UPDATED: Sep 8, 2020
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In the market for auto insurance in Stamford, CT? Stamford possesses everything you could want in a city. There are miles of beaches and parks in which to enjoy your spare time, in addition to the thriving business community.
Follow our comprehensive guide and you’ll be thriving too, with the cheapest auto insurance rates in Connecticut.
Looking for affordable Stamford, CT, car insurance? Enter your Stamford ZIP code into our FREE tool above to start comparison shopping Stamford, CT, car insurance.
Auto Insurance Rates in Stamford
The average cost of auto insurance in Stamford is $408.96 per month or $4,907.46 annually. We can help you lower that average by diving into how those rates are calculated.
Companies determine your rates for auto insurance by age and gender, but that’s not all. They also take into consideration your ZIP code, credit history, driving record, and even your commute length.
Keep reading and we’ll help you get the best auto insurance rates in Stamford.
Does gender and age affect my auto insurance in Stamford?
It’s true that insurance companies calculate your auto insurance rates by gender and age. However, age impacts your average auto insurance rates more than gender.
See what we mean in the table below.
|Driver Age||Average Auto Insurance Rates|
Younger drivers lack driving experience, making them riskier to insure. To mitigate the risk, insurance companies charge higher premiums.
Fortunately, when you turn twenty-five you will experience a dramatic decrease in your rates.
Take a look at the following graph, which shows how much more teenage drivers get charged for monthly auto insurance rates versus someone who is 34.
If you’re trying to reduce the cost of auto insurance in Stamford CT for a 22-year-old person or younger, look into good student discounts, as well as driver’s education and defensive driving courses.
As we mentioned earlier, gender makes less of an impact when it comes to auto insurance in Stamford, CT. See what we mean in the following table.
|Driver Gender||Average Auto Insurance Rates|
Men pay only $30 more each month than women. Men are often charged more because statistically male drivers are responsible for more accidents than women.
Now let’s combine age and gender. Find yourself in the table below.
Stamford, CT Average Annual Auto Insurance Rates by Age and Gender
|Driver Demographics||Average Auto Insurance Rates|
|Married 60-year-old female||$2,329.87|
|Married 60-year-old male||$2,467.86|
|Married 35-year-old female||$2,611.29|
|Married 35-year-old male||$2,631.51|
|Single 25-year-old female||$2,862.36|
|Single 25-year-old male||$3,078.44|
|Single 17-year-old female||$10,191.03|
|Single 17-year-old male||$12,670.71|
Women aged 60 receive the lowest average auto insurance rates by gender and age monthly. Men of the same age are close behind.
What ZIP codes have the cheapest auto insurance rates in Stamford?
Companies will determine your rates for auto insurance by ZIP code. In order to fairly calculate those rates, companies analyze city population density and crime rates.
Take a look at the table below to see if your ZIP code is raising your rates or saving you money.
|ZIP Codes||Average Auto Insurance Rates|
The lowest insurance ZIP codes in the city of Stamford are 6901 and 6902. Most other ZIP codes in the city pay only 25 cents more.
However, if you live in 6910, you’re paying about $50 more annually for auto insurance than the rest of the city.
The cheapest auto insurance is usually found in areas with a lower population density. Fewer automobiles on the road mean fewer opportunities for you to get into a major car accident.
Take a look at the graph below, which compares Stamford’s monthly average rates to other cities in Connecticut.
If you live in Stamford, you’re receiving some of the best auto insurance in CT. Companies recognize that your city has low crime rates and a low population density, which helps you get cheap auto insurance in Stamford, CT.
Which companies have the best auto insurance rates in Stamford?
Not all Stamford, CT, auto insurance companies calculate rates in the same way, which means the best auto insurance companies for you may be different for someone else in your town. To secure lower auto insurance rates, we have to look beyond age and gender.
You’ll receive the cheapest auto insurance quotes when you also consider your commute length, credit history, and driving record.
Keep reading and we’ll make sure you aren’t stuck paying the highest auto insurance rates by Stamford standards.
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Cheapest Auto Insurance Rates by Company
Some companies are not going to be as active in your city, which means they will not be able to offer you competitive rates.
See what we mean in the following table, which compares rates from various auto insurance companies in Stamford, CT.
|Driver Demographics||Average Annual State Farm Rates||Average Annual Geico Rates||Average Annual USAA Rates||Average Annual Nationwide Rates||Average Annual Progressive Rates||Average Annual Allstate Rates||Average Annual Travelers Rates||Average Annual Liberty Mutual Rates|
|Married 60-year-old female||$1,754.83||$2,258.15||$1,908.01||$2,248.06||$2,111.56||$3,448.11||$2,018.27||$2,891.99|
|Married 60-year-old male||$1,754.83||$2,276.22||$1,884.94||$2,359.93||$2,194.26||$3,693.99||$2,007.78||$3,570.90|
|Married 35-year-old female||$1,904.23||$2,435.02||$2,048.34||$2,505.28||$2,472.07||$3,741.31||$2,018.60||$3,765.45|
|Married 35-year-old male||$1,904.23||$2,442.03||$2,027.71||$2,535.41||$2,303.36||$3,696.00||$2,047.90||$4,095.40|
|Single 25-year-old female||$2,143.55||$2,351.10||$2,745.21||$2,909.93||$2,824.90||$3,908.18||$2,204.45||$3,811.52|
|Single 25-year-old male||$2,455.76||$2,278.92||$2,847.33||$3,130.28||$3,166.86||$4,100.88||$2,489.84||$4,157.65|
|Single 17-year-old female||$5,834.99||$5,744.85||$6,457.46||$6,998.51||$10,344.58||$11,532.20||$15,627.26||$18,988.37|
|Single 17-year-old male||$7,351.17||$6,794.82||$6,782.53||$8,882.81||$11,466.11||$13,632.54||$25,052.24||$21,403.47|
State Farm, Geico, and USAA are the cheapest insurance companies, but who is best for you ultimately depends on your individual circumstances.
Remember, USAA is military insurance and is only available for active or retired military personnel and their families.
No matter who you are, you’ll want to avoid Allstate auto insurance in Stamford, CT, their rates are much higher than other competitors.
If you’re in your 30s, don’t fully dismiss Progressive auto insurance in Stamford, CT.
While their rates for other ages are much higher, they could prove to offer you some decent rates depending on your commute length and credit history.
The following graph compares monthly annual rates from different insurance companies in CT.
Besides receiving the best cost for auto insurance in Stamford, CT, remember to also pick a company based on their customer service and ease of claim filing.
Depending on what company attributes are more important to you, a slightly higher premium might be worth the money in the long run.
Best Auto Insurance for Commute Rates
If you’re aiming for affordable auto insurance, be aware that some companies charge you more if you have a long commute.
According to DataUSA, the average Stamford commute length is 26 minutes, just one minute longer than the national average.
However, almost 6 percent of Stamford commuters drive over 90 minutes to get to work. If you’re one of these super commuters, you’re more likely to feel your rates raise.
See how your commute impacts your auto insurance rates in the table below.
|Companies||Average Annual Rates for|
10 Miles Commute
6,000 Annual Mileage
|Average Annual Rates for|
25 Miles Commute
12,000 Annual Mileage
State Farm, Geico, and USAA all raise their rates, with State Farm increasing the most at around $200 annually.
If your drive to work is longer than average, be mindful of how this may impact which company you ultimately choose.
Best Auto Insurance for Coverage Level Rates
Sometimes, purchasing a policy with only the state minimum standards is enough. However, if you lease or finance a vehicle, you may consider raising your coverage level.
More coverage can also help protect you from the unpredictable Stamford weather in the winter.
To find out how much that could cost you, check out the following table.
|Companies||Average Annual Rates with Low Coverage||Average Annual Rates with Medium Coverage||Average Annual Rates with High Coverage|
Most companies increase rates by around $400-500 if you opt for high coverage. To get medium coverage, it’ll cost you around $200 more per year than a basic policy.
The following graph compares monthly rates for a basic policy versus a comprehensive policy.
For some people, basic coverage is enough. However, if you are a safe driver and do not anticipate needing to file many claims, you may consider higher coverage and raising your deductable to help minimize your monthly rates.
You might also consider looking into the top usage-based insurance programs, which charge you for insurance based on how safe of a driver you are and how far you drive.
If you work from home or do not drive often, these programs can drastically decrease your auto insurance in Stamford, CT.
Best Auto Insurance for Credit History Rates
You may not think about your credit score that often, but your auto insurance company sure does.
Poor credit can lead to major increases in your auto insurance rates. Check out the table below to see what we mean.
|Companines||Average Annual Rates with Good Credit||Average Annual Rates with Fair Credit||Average Annual Rates with Poor Credit|
If you have poor credit, your rates practically double. In spite of the price hikes, USAA, State Farm, and Geico’s rates are most competitive.
The graph below shows how your monthly rates might skyrocket if you have poor credit.
Fortunately, with proper budgeting, bad credit does not have to last forever. Paying your auto insurance rates on time can help increase your credit score.
Best Auto Insurance for Driving Record Rates
The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be.
See how just one speeding violation can increase your rates in the table below.
|Companies||Average Annual Rates with a Clean Record||Average Annual Rates with 1 Accident||With 1 DUI||With 1 Speeding Violation|
If you go with State Farm, your rates increase by the same amount regardless of what your citation is about. Geico will raise your annual premiums by $500 for a single speeding ticket.
USAA, on the other hand, provides customers with some forgiveness depending on the severity of the offense.
The following graph shows how driving citations impact your monthly rates. Check it out.
It’s pretty obvious that safe driving is always worth it. If you have something serious on your record, such as a DUI, some providers may refuse to insure you.
One of the drunk driving worst counties in the country, New London County in Connecticut, is located nearby Stamford.
Do your best to keep a clean driving record. Not only will you receive lower annual rates, but you could also qualify for more discounts.
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What affects auto insurance rates in Stamford?
We’ve discussed some of the factors that affect auto insurance, but in order to fully answer the question of how are auto insurance premiums calculated, we have to look at specific details about Stamford.
Companies look at your individual demographics and place you into auto insurance rating tiers.
High-risk drivers more likely to file claims receive higher rates. Low-risk drivers secure cheap auto insurance.
Even if you’re a low-risk driver, Stamford’s road conditions, crime rates, and traffic congestion still impact your auto insurance quotes. Keep reading to find out more.
Road Conditions in Stamford
Poorly structure roads increase your chances of getting into an accident. Insurance companies will look at Stamford’s roads when calculating your rates.
Take a look at the road conditions in your region in the table below.
|Road Type||Percent of All Connecticut Roads|
Unfortunately, almost 70 percent of the roads around Stamford are in mediocre or poor condition. The vehicle operating cost is also high, $730 per year.
Companies may increase your rates because of the poor quality roads.
Fatal crashes in your town are also considered when determining your auto insurance rate. See the following graph for details about Stamford’s rate of fatal vehicle accidents in 2013.
If motor vehicle accidents are common on the roads where you drive most frequently, then your insurance provider will offset that risk by charging you higher rates.
Vehicle Theft in Stamford
Living in a large city with a high crime rate will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs.
Fortunately, the Stamford, CT crime rate is pretty low for
a city of its size. The following table shows crime rates from 2017 as recorded by the FBI.
|Type of Crime||Number of Cases Reported|
|Motor vehicle theft||257|
The rate of stolen vehicles in Stamford is very low compared to the population. In fact, research from Neighborhood Scout shows Stamford is safer than 34 percent of American cities.
Fortunately, your auto insurance quotes in Stamford, CT are lower because of the minimal crime.
Traffic Congestion in Connecticut
You will likely feel the effects of traffic congestion in Stamford. While traffic problems in Stamford downtown are minimal, the highways surrounding the city are prone to bumper to bumper traffic.
With so many things to do in Stamford, CT, from beaches to shopping, tourism also impacts the level of traffic.
Intrix reports that Stamford drivers lost 74 hours to traffic congestion in 2019. By comparison, Hartford drivers only lost 61 hours.
Some of the causes of traffic jams include commuters who travel during rush hour, including motorists driving to catch public transportation.
The design of some of the Stamford roadways is another major cause of traffic congestion. A study done by the American Transportation Research Institute found six of the 100 worst traffic bottlenecks in the country in Connecticut.
Stamford’s stretch of Interstate-95 was ranked forty-third. Local news station WFSB 3 covers the story in the following video.
Stamford city officials are now wondering how to reduce traffic issues and a proposal for adding toll roads plus implementing an $18 billion, t10-year transportation plan was considered.
If the city can get the traffic under control, you may see your auto insurance rates drop as a result.
Allstate America’s Best Drivers Report
Every year, Allstate America’s Best Drivers Report ranks the 200 largest cities in America by how safe their drivers are. Unfortunately, Stamford has never been considered.
However, nearby town Bridgeport, CT placed at 183rd on the list in 2019. Unfortunately, that’s not a very good ranking.
Vehicle Model and Auto Insurance
Thinking about purchasing insurance for a luxury vehicle? Keep in mind that you will need an equally luxurious insurance policy to keep yourself protected from accident and theft-related expenses.
It will be much harder to secure affordable SUV auto insurance in Stamford, CT, then it will be if you drive an economical sedan.
See what we mean in the graph below.
Drivers of luxury vehicles usually purchase higher coverage policies to better protect their assets. Companies also know higher-priced cars will cost them more to repair or replace should you need to file a claim.
If finding cheap Stamford, CT, car insurance quotes is your goal, a luxury vehicle may not be the right choice for you. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions: Stamford Auto Insurance
You are now ready to secure the cheapest auto insurance in Stamford, CT. Refer back to this guide as much as needed while comparison shopping. Did you think of something we missed? Check out our frequently asked questions below.
#1 – Is auto insurance cheaper in CT than NY?
Your auto insurance heavily depends on what city or town you live in. Rural neighborhoods in upstate New York have lower average rates than busy Connecticut towns like Hartford or Stamford.
However, New York City rates will be much higher than most small Connecticut towns.
#2 – How much does it cost to insure a car in CT?
When looking for cheap auto insurance in CT, your rate will increase or decrease depending on what city or town you live in. In Stamford, the average rate to insure a car is $4,907.46 annually.
#3 – Who has the cheapest auto insurance in CT?
State Farm and USAA offer some of the most competitive auto insurance quotes in CT. However, comparison shopping is the only way to know which company will provide you with the best auto insurance near you.
#4 – Is there Root insurance in CT?
Yes, Root does provide auto insurance in CT.
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