Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Cheap Car Insurance in Stamford, CT

In the market for auto insurance in Stamford, CT? At, you will find the very best insurance rates near you. To get free car insurance quotes from the very best providers today, type your zip code into the quote box on this page.

Stamford might just possess 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. In fact, Stamford is #3 on the list of top 10 cities for doing business within the United States.

  • Fun Fact: Did you know that Stamford is #1 on the list of “Top 101 cities with largest percentage of males in occupations: Farmers and farm managers (population 50,000+)”? Learn more about Stamford.

Auto Insurance Coverage Requirements in Connecticut

To drive legally in the state of Connecticut, you will need:

CoverageRequirementsMost Common
Bodily Injury Liability20,000/40,000100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily InjuryNot required20,000/40,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required0 deductible

Are you still making payments on a new car? Well, it’s important to let your insurance company know up front. Many lenders won’t let you purchase any kind of insurance which doesn’t contain Comprehensive and Collision coverage. Otherwise, you’ll probably be free to buy a liability only policy.

Did you know that the average monthly payment for motorists in Connecticut can be as high as $137 per month? However, in Stamford, you can get insured for as low as $59/mo* of you know how to play your cards right.

Average Monthly Auto Insurance Premiums Legend: Stamford Allstate State Farm Liberty Mutual Amica Victoria 10 20 30 40 50 60 70 $51 $58 $48 $58 $78


As you can see, the most competitive rates being offered in Stamford right now are from Liberty Mutual, Amica, and Allstate. However, there are other factors at play, such as 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.

Auto insurance providers consider various factors when figuring out insurance quotes, including driving violations, accident claims, Type of vehicle owned, years of driving experience, and business use of the vehicle. In addition, premiums differ from carrier to carrier. To find out whether you’re still being charged the cheapest rate, learn more about Connecticut auto insurance here.

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Major Car Insurance Factors in Stamford

There are many ways your car insurance rate may be calculated. But not all of it is out of your control; there are things you can do so that you can impact which discounts you are entitled to receive. Listed here are some of these components in greater detail:

Your Zip Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Stamford is 126,456 and the median household income is $72,706.

Auto Insurance by Zip Code Legend: Bridgeport New Haven Hartford Stamford Waterbury Allstate State Farm Liberty Mutual Amica Victoria 10 20 30 40 50 60 70 80 90 100 110 $58 $60 $59 $51 $64 $69 $65 $68 $58 $66 $75 $87 $91 $48 $70 $94 $92 $87 $58 $72 $98 $94 $115 $78 $92


Automotive Accidents

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. Unfortunately, fatal accidents were in the rise in 2013, with 6 crashes resulting in an equal number of fatalities.

Fatal Accidents in Stamford, CT Legend: Stamford Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 9 6 9 2 6 9 2


Auto Thefts in Stamford

Living in a large city (Especially one 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. The total number of stolen vehicles in Stamford was 149 back in 2013, which is quite low. However, some motorists still choose to add Comprehensive coverage to their policy for peace of mind.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage comprehensive coverage Allstate State Farm Liberty Mutual Amica Victoria 20 40 60 80 100 120 140 160 180 $51 $145 $58 $114 $48 $186 $58 $128 $78 $150


Your Credit Score

You may not think about your credit score that often, but your auto insurance company sure does. By examining the chart below, you can see what a significant difference your credit score can make. For some companies, your monthly premium could skyrocket by 75% or more if you are currently suffering from a poor credit score.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allstate State Farm Liberty Mutual Amica Victoria 10 20 30 40 50 60 70 80 90 100 $48 $71 $48 $104 $41 $75 $40 $91 $75 $103


Your Age

As you can see from the chart below, young teenage drivers get charged significantly higher rates. Their youth, as well as their lack of driving experience, make them much more risky to insure. However, teenage drivers can try to alleviate some of this financial burden by looking into a Good Student discount, or taking additional driver education courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allstate State Farm Liberty Mutual Amica Victoria 25 50 75 100 125 150 175 200 225 250 275 $51 $212 $58 Do Not Sell $48 $210 $58 $276 $78 $266


Your Driving Record

The cleaner your driving record, the better. The more tickets and citations you have, the more expensive your monthly insurance rates will be. And if you have something serious on your record, such as a DUI, some providers may refuse to give you auto insurance (or drop you as a customer).

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate State Farm Liberty Mutual Amica Victoria 20 40 60 80 100 120 140 160 180 $51 $51 $75 $82 $58 $63 Do Not Sell $63 $48 $48 Do Not Sell $86 $58 $78 $189 $68 $78 $95 $102 $116


Your Vehicle

Thinking about purchasing insurance for a luxury vehicle? If you can afford it, go right ahead – but keep in mind that you will need an equally luxurious insurance policy to keep yourself protected from accident- and theft-related expenses. Economical cars, on the other hand, don’t require as much coverage, and therefore have lower monthly rates.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Allstate State Farm Liberty Mutual Amica Victoria 30 60 90 120 150 180 210 240 270 $51 $136 $58 $150 $48 $198 $58 $136 $78 $287


Minor Car Insurance Factors in Stamford

You can also count on the factors below to influence your rate in surprising ways:

Your Marital Status

For many years, drivers have been under the impression that your marital status can play a major factor in your monthly car insurance premiums. In truth, it depends more on your insurance company than anything. Certain providers charge married couples more, while others might charge less. Most providers don’t charge any difference at all – and even if they do, it might not amount to more than a few dollars per month. However, married couples can save a great deal of money by bundling their insurance policies together.

Your Gender

The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.

Your Driving Distance to Work

The average work commute can last anywhere from 25-28 minutes for workers in Stamford. This can probably be explained by the fewer than 4% of workers who carpool, which means that there is more congestion in the roads.

Do you think you’ll pay higher insurance rates for driving more miles each year? Or for driving for pleasure instead of commuting to work/school? Well, the truth is that only business vehicles see a significant rate hike (about 10-12%/month). All other variables will only change your monthly premium by a few dollars.

Your Coverage and Deductibles

Trying to save money every month on your insurance? Many drivers achieve this goal by purchasing less coverage. But you can also purchase a few extra coverage benefits and offset the monthly cost for yourself by raising your deductible. Just make sure you put a little money away, should you need to shell out the cash in the event that you need to file a claim.

Education in Stamford, CT

The number of motorists in Stamford who have bachelor’s degrees is only slightly surpassed by the total number of drivers with their high school diploma. But did you know that pursuing a higher education can save you lots of money on your auto insurance? More often than not, insurance providers will give preferred rates to those who have a higher education, regardless of salary or job title.

There are many great universities to choose from in Stamford. If you’re looking for an MBA, you can look into either the University of Bridgeport (Stamford Campus) or the University of Connecticut. They also have the Neag School of Education for aspiring teachers, and over 25 different possible degrees offered by the J.M. Wright Vocational Technical School.

Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider and, figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Connecticut Insurance Department

Connecticut Department of Banking – Financial Institutions Division

Department of Highway Safety and Motor Vehicles

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