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Get Cheap Car Insurance in Niantic, CT
We monitor insurance prices, helping the average driver in Niantic save up to 29.9% on car insurance.
The Cheapest Minimum Coverage in Niantic
The chart below shows the cheapest car insurance company in Niantic for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by State Farm, Safeco Insurance, and Travelers.
| Niantic Insurer | Monthly Cost |
|---|---|
| Kemper | $68 |
| State Farm | $78 |
| Safeco Insurance | $79 |
| Travelers | $79 |
Savings for Every Kind of Niantic Driver
Based on our extensive insurance data, we know the average Niantic driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $561 per year by choosing the right vehicle insurance company. Some Niantic residents are paying out over $1,914 extra every year for auto insurance in Niantic. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Niantic, CT Savings / Yr. |
|---|---|
$561 |
|
$778 |
|
$540 |
|
$902 |
|
$2,123 |
|
$509 |
|
$855 |
Niantic Car Insurance vs. Connecticut
People living in Niantic pay an average of 1.06% less than the typical driver in the state. The average driver in Niantic can expect to pay about $1,311 per year, or $1,914 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Niantic for most people.
Car Insurance Prices by Niantic Neighborhood
Insurance Prices
Where is insurance cheapest within Niantic?
The map shows insurance prices in and around Niantic, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $93 per year within the city boundaries, with insurance premiums ranging from a high of $1,962 to a low of $1,869. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of Niantic.Pick the Best Car Insurance Company for You in Niantic
The best car insurance provider for most drivers in Niantic
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $561 over the average Niantic car insurance company.
The best car insurance provider for Niantic drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $778 over the competition.
The best car insurance company for Niantic drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $540 better than other car insurance companies.
The best auto insurance for Niantic drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $902 less each year.
The least expensive car insurance company for new and young drivers in Niantic
In Niantic, State Farm costs young drivers $2,123 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Niantic
State Farm gave the largest car insurance discounts to married couples, averaging $509 saved each year compared to an average Niantic couple's premiums.
The cheapest car insurance in Niantic for drivers with bad credit
The best Niantic car insurance company for customer service
Recent price drops
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The cheapest large national provider in Niantic
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Niantic driver can expect to pay about $120 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Niantic, USAA has the best prices for drivers with accidents, married couples, drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Niantic
What Influences the Cost of Car Insurance in Niantic?
On average, car insurance in Niantic is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Niantic is 32 minutes, which is a little less than average for a driver in the state.
- Connecticut state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Niantic are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Niantic is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Niantic is $109 per month for minimum coverage and $160 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Giants Neck: Insurance costs 2.51% more
- Millstone: Insurance costs 0.26% more
- South Lyme: Insurance costs 1.31% more
- East Lyme: Insurance costs 1.52% less
- Laysville: Insurance costs 1.62% less
- Waterford: Insurance costs 0.16% more
- Old Lyme: Insurance costs 0.89% less
- Pleasure Beach: Insurance costs 0.42% more
- New London: Insurance costs 12.59% more
- Quaker Hill: Insurance costs 0.21% less
Cities with Similar Populations
- Veneta: Insurance costs 23.82% less
- Chestnut Ridge: Insurance costs 42.11% more
- Cheviot: Insurance costs 38.30% less
- Chillicothe: Insurance costs 27.12% less
- Toronto: Insurance costs 42.84% less
- Umatilla: Insurance costs 27.17% more
- Uncasville: Insurance costs 4.02% more
- Union Park: Insurance costs 46.29% more
- Valdese: Insurance costs 37.41% less
- Vale: Insurance costs 35.68% less