Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in South Lyme, CT
We monitor insurance prices, helping the average driver in South Lyme save up to 29.9% on car insurance.
The Cheapest Minimum Coverage in South Lyme
The chart below shows the cheapest car insurance company in South Lyme 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.
| South Lyme Insurer | Monthly Cost |
|---|---|
| Kemper | $69 |
| State Farm | $79 |
| Safeco Insurance | $80 |
| Travelers | $80 |
Savings for Every Kind of South Lyme Driver
Based on our extensive insurance data, we know the average South Lyme 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 $568 per year by choosing the right vehicle insurance company. Some South Lyme residents are paying out over $1,939 extra every year for auto insurance in South Lyme. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
South Lyme, CT Savings / Yr. |
|---|---|
$568 |
|
$788 |
|
$547 |
|
$914 |
|
$2,150 |
|
$515 |
|
$866 |
South Lyme Car Insurance vs. Connecticut
People living in South Lyme pay an average of 0.20% more than the typical driver in the state. The average driver in South Lyme can expect to pay about $1,328 per year, or $1,939 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in South Lyme for most people.
Car Insurance Prices by South Lyme Neighborhood
Insurance Prices
Where is insurance cheapest within South Lyme?
The map shows insurance prices in and around South Lyme, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $1,939 to a low of $1,939. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of South Lyme.Pick the Best Car Insurance Company for You in South Lyme
The best car insurance provider for most drivers in South Lyme
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $568 over the average South Lyme car insurance company.
The best car insurance provider for South Lyme 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 $788 over the competition.
The best car insurance company for South Lyme drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $547 better than other car insurance companies.
The best auto insurance for South Lyme drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $914 less each year.
The least expensive car insurance company for new and young drivers in South Lyme
In South Lyme, State Farm costs young drivers $2,150 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in South Lyme
State Farm gave the largest car insurance discounts to married couples, averaging $515 saved each year compared to an average South Lyme couple's premiums.
The cheapest car insurance in South Lyme for drivers with bad credit
The best South Lyme car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in South Lyme, which was better than other insurers.
The cheapest large national provider in South Lyme
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average South Lyme 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 South Lyme, 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 South Lyme
What Influences the Cost of Car Insurance in South Lyme?
On average, car insurance in South Lyme 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 city are influenced by the following factors:
- The average commute time in South Lyme is 33 minutes, which is about the national 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 South Lyme are among the highest 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.
- South Lyme is one of the least populated areas 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 South Lyme is $111 per month for minimum coverage and $162 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 1.19% more
- Niantic: Insurance costs 1.29% less
- Laysville: Insurance costs 2.89% less
- Old Lyme: Insurance costs 2.17% less
- Millstone: Insurance costs 1.03% less
- Fenwick: Insurance costs 1.86% less
- East Lyme: Insurance costs 2.78% less
- Waterford: Insurance costs 1.13% less
- Old Saybrook: Insurance costs 1.19% less
- Pleasure Beach: Insurance costs 0.88% less
Cities with Similar Populations
- Port Alsworth: Insurance costs 30.48% less
- Powys: Insurance costs 32.54% less
- Powells Crossroads: Insurance costs 20.47% less
- Powell: Insurance costs 39.45% less
- Potter: Insurance costs 4.85% more
- Portland: Insurance costs 1.70% less
- Porter: Insurance costs 4.02% more
- Portage Entry: Insurance costs 44.15% more
- Port Stanley: Insurance costs 32.90% less
- Port Jenkins: Insurance costs 29.04% less