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 Stamford, CT
We monitor insurance prices, helping the average driver in Stamford save up to 29.9% on car insurance.
The Cheapest Minimum Coverage in Stamford
The chart below shows the cheapest car insurance company in Stamford 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.
| Stamford Insurer | Monthly Cost |
|---|---|
| Kemper | $82 |
| State Farm | $94 |
| Safeco Insurance | $96 |
| Travelers | $96 |
Savings for Every Kind of Stamford Driver
Based on our extensive insurance data, we know the average Stamford 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 $677 per year by choosing the right vehicle insurance company. Some Stamford residents are paying out over $2,309 extra every year for auto insurance in Stamford. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Stamford, CT Savings / Yr. |
|---|---|
$677 |
|
$938 |
|
$651 |
|
$1,088 |
|
$2,561 |
|
$613 |
|
$1,031 |
Stamford Car Insurance vs. Connecticut
People living in Stamford pay an average of 19.32% more than the typical driver in the state. The average driver in Stamford can expect to pay about $1,581 per year, or $2,309 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Stamford for most people.
Car Insurance Prices by Stamford Neighborhood
Insurance Prices
Where is insurance cheapest within Stamford?
The map shows insurance prices in and around Stamford, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $752 per year within the city boundaries, with insurance premiums ranging from a high of $2,707 to a low of $1,955. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Stamford.Pick the Best Car Insurance Company for You in Stamford
The best car insurance provider for most drivers in Stamford
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $677 over the average Stamford car insurance company.
The best car insurance provider for Stamford 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 $938 over the competition.
The best car insurance company for Stamford drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $651 better than other car insurance companies.
The best auto insurance for Stamford drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $1,088 less each year.
The least expensive car insurance company for new and young drivers in Stamford
In Stamford, State Farm costs young drivers $2,561 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Stamford
State Farm gave the largest car insurance discounts to married couples, averaging $613 saved each year compared to an average Stamford couple's premiums.
The cheapest car insurance in Stamford for drivers with bad credit
The best Stamford 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 Stamford, which was better than other insurers.
The cheapest large national provider in Stamford
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Stamford 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 Stamford, 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 Stamford
What Influences the Cost of Car Insurance in Stamford?
On average, car insurance in Stamford 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 Stamford is 35 minutes, which is a little more 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 Stamford are lower than 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.
- Stamford has an average population density in the state. The city’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 Stamford is $132 per month for minimum coverage and $192 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
- Darien: Insurance costs 9.01% less
- Old Greenwich: Insurance costs 6.76% less
- Riverside: Insurance costs 4.76% less
- Cos Cob: Insurance costs 7.10% less
- Greenwich: Insurance costs 6.67% less
- New Canaan: Insurance costs 10.05% less
- Norwalk: Insurance costs 1.47% less
- Port Chester: Insurance costs 29.45% more
- Rye Brook: Insurance costs 18.02% more
- Scotts Corners: Insurance costs 6.84% more
Cities with Similar Populations
- Iowa City: Insurance costs 46.21% less
- Johns Creek: Insurance costs 14.90% less
- Inglewood: Insurance costs 8.88% more
- Irving: Insurance costs 16.76% less
- Harrisburg: Insurance costs 43.35% less
- Huntington Park: Insurance costs 5.50% more
- Huntington Beach: Insurance costs 7.23% less
- Huntington: Insurance costs 35.17% less
- Hesperia: Insurance costs 3.81% less
- Hemet: Insurance costs 6.11% less