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Get Cheap Car Insurance in Post Road North, Milford, CT

We monitor insurance prices, helping the average driver in Post Road North save up to 29.9% on car insurance.

 

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The Cheapest Minimum Coverage in Post Road North

The chart below shows the cheapest car insurance company in Post Road North 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.

 
Post Road North Insurer Monthly Cost
Kemper $74
State Farm $85
Safeco Insurance $86
Travelers $86

Savings for Every Kind of Post Road North Driver

The table shows how much the average auto insurance customer in Post Road North might save by following our recommendations.

Based on our extensive insurance data, we know the average Post Road North 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 $608 per year by choosing the right vehicle insurance company. Some Post Road North residents are paying out over $2,074 extra every year for auto insurance in Post Road North. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Post Road North Car Insurance vs. Milford

People living in Post Road North pay an average of 7.17% more than the typical driver in the state. The average driver in Post Road North can expect to pay about $1,420 per year, or $2,074 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Post Road North for most people.

Car Insurance Prices by Post Road North Neighborhood

Post Road North, Milford, CT map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Post Road North?

The map shows insurance prices in and around Post Road North, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $321 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,223 to a low of $1,902. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Post Road North.

Pick the Best Car Insurance Company for You in Post Road North

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Post Road North insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Post Road North

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $608 over the average Post Road North car insurance company.

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We use the average good driver, paying $122 per month, as our baseline for pricing in Post Road North. Travelers, Kemper, and MetLife are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Post Road North drivers with accidents on their records

In Post Road North getting into an accident will raise premiums an average 27% for a yearly cost of $2,824. That's $750 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Kemper are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $842 over the competition.

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The best car insurance company for Post Road North drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $585 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Post Road North, tickets raise premiums on new quotes about $338. If you have a speeding ticket, we recommend State Farm, Geico, and Kemper for savings that beat the average insurance cost of $2,411 per year.

The best auto insurance for Post Road North drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,416 per year in auto insurance premiums, which was $1,342 more than a driver with no major issues. State Farm, Travelers, and Plymouth Rock Assurance penalized their customers the least for a DUI.

Getting a quote from Travelers may cost the average person with a DUI about $977 less each year.

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The least expensive car insurance company for new and young drivers in Post Road North

In Post Road North, State Farm costs young drivers $2,300 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 73% more for insurance than more mature drivers in Post Road North. With an average cost of $7,705 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Nationwide try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Post Road North

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $148. State Farm, Nationwide, and Travelers provided the largest discounts to couples living in Post Road North.

State Farm gave the largest car insurance discounts to married couples, averaging $551 saved each year compared to an average Post Road North couple's premiums.

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The cheapest car insurance in Post Road North for drivers with bad credit

People with poor credit saved an average of $926 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,144 every year. Premiums for people with poor credit were about $3,217 in Post Road North. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Safeco Insurance, and Plymouth Rock Assurance.

The best Post Road North car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Post Road North, the National Association of Insurance Commissioners (NAIC) ranks Amica as the best. Another valuable metric: JD Power ranks Amica as the best provider in Post Road North.

Amica was the best company for customer service in Post Road North according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Post Road North, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Post Road North. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Post Road North

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 21% of Post Road North residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Post Road North driver can expect to pay about $120 per month.

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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 Post Road North, 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.
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Auto Insurance Prices in and Around Post Road North

What Influences the Cost of Car Insurance in Post Road North?

On average, car insurance in Post Road North is more expensive than the rest of the state. These high 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 neighborhood are influenced by the following factors:

  • The average commute time in Post Road North is 30 minutes, which is about the national average for a driver in the city.
  • 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 Post Road North are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Post Road North is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Post Road North is $118 per month for minimum coverage and $173 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Post Road North driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Post Road North with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.