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 Winsted, CT
We monitor insurance prices, helping the average driver in Winsted save up to 29.9% on car insurance.
The Cheapest Minimum Coverage in Winsted
The chart below shows the cheapest car insurance company in Winsted 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.
| Winsted Insurer | Monthly Cost |
|---|---|
| Kemper | $69 |
| State Farm | $80 |
| Safeco Insurance | $81 |
| Travelers | $81 |
Savings for Every Kind of Winsted Driver
Based on our extensive insurance data, we know the average Winsted 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 $572 per year by choosing the right vehicle insurance company. Some Winsted residents are paying out over $1,951 extra every year for auto insurance in Winsted. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Winsted, CT Savings / Yr. |
|---|---|
$572 |
|
$792 |
|
$550 |
|
$919 |
|
$2,164 |
|
$518 |
|
$871 |
Winsted Car Insurance vs. Connecticut
People living in Winsted pay an average of 0.82% more than the typical driver in the state. The average driver in Winsted can expect to pay about $1,336 per year, or $1,951 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Winsted for most people.
Car Insurance Prices by Winsted Neighborhood
Insurance Prices
Where is insurance cheapest within Winsted?
The map shows insurance prices in and around Winsted, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $183 per year within the city boundaries, with insurance premiums ranging from a high of $2,062 to a low of $1,879. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Winsted.Pick the Best Car Insurance Company for You in Winsted
The best car insurance provider for most drivers in Winsted
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $572 over the average Winsted car insurance company.
The best car insurance provider for Winsted 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 $792 over the competition.
The best car insurance company for Winsted drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $550 better than other car insurance companies.
The best auto insurance for Winsted drivers with a DUI conviction
Getting a quote from Travelers may cost the average person with a DUI about $919 less each year.
The least expensive car insurance company for new and young drivers in Winsted
In Winsted, State Farm costs young drivers $2,164 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Winsted
State Farm gave the largest car insurance discounts to married couples, averaging $518 saved each year compared to an average Winsted couple's premiums.
The cheapest car insurance in Winsted for drivers with bad credit
The best Winsted 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 Winsted, which was better than other insurers.
The cheapest large national provider in Winsted
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Winsted 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 Winsted, 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 Winsted
What Influences the Cost of Car Insurance in Winsted?
On average, car insurance in Winsted 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 Winsted is 34 minutes, which is about the national average for a driver in the state.
- Connecticut state insurance regulations may require higher prices.
- An average of 9 to 10 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Winsted are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Winsted is one of the most densely populated areas 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 Winsted is $111 per month for minimum coverage and $163 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
- Riverton: Insurance costs 0.56% less
- Winchester Center: Insurance costs 2.61% less
- Colebrook: Insurance costs 1.33% less
- Pleasant Valley: Insurance costs 1.74% less
- New Hartford: Insurance costs 1.23% less
- Robertsville: Insurance costs 1.49% less
- Pine Meadow: Insurance costs 1.44% less
- Norfolk: Insurance costs 2.20% less
- West Hartland: Insurance costs 1.38% less
- Torrington: Insurance costs 1.28% more
Cities with Similar Populations
- Rossmoor: Insurance costs 9.17% more
- Littleton: Insurance costs 21.73% less
- Live Oak: Insurance costs 0.82% less
- Livingston: Insurance costs 18.45% less
- Lizella: Insurance costs 9.58% less
- Louisa: Insurance costs 36.65% less
- Lyndon: Insurance costs 5.95% more
- Rising Sun: Insurance costs 6.46% less
- Robinson: Insurance costs 27.27% less
- Roebuck: Insurance costs 17.17% less