Finest low cost car insurance in Bridgeport for 2021 – Bankrate.com
When it comes to auto insurance, Bridgeport drivers have many options. The average cost of auto insurance in Bridgeport, CT is $ 2,364 per year for full insurance and $ 1,084 per year for a minimum policy. However, car insurance rates are personalized based on factors such as age, creditworthiness, and driving license.
Nearly 20,000 car accidents have been reported in Bridgeport in the past three years, so car insurance is extremely valuable. Bankrate's insurance writing team did the research to help you find the best auto insurance in Bridgeport based on criteria such as average price, insurance options and discounts.
The best car insurance in Bridgeport
Based on our research, Amica, State Farm, Geico, and USAA are among the top auto insurance companies in Bridgeport. These four providers are characterized by below-average tariffs, great discounts and reliable coverage. They also have above average overall customer satisfaction scores from J.D. Power.
|insurance company||J.D. Power score
(New England region)
|Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|USAA *||887 / 1,000||$ 597||$ 1,561|
|Geico||841/1000||$ 636||$ 1,524|
|Amica||867 / 1,000||$ 658||$ 1,806|
|District farm||855/1000||$ 900||$ 2,116|
* The USAA is not eligible for the official ranking at J.D. due to admission restrictions. Power entitled.
USAA only sells auto insurance to military personnel, both active and retired, as well as their spouses and children. Bridgeport drivers who qualify for USAA can potentially take advantage of the company's great customer service, low prices, and great discounts. Some of the savings available through USAA include a no claims discount, a policy bundling discount, a short mileage discount, and a discount on a driver training course.
Learn more: USAA insurance review
Based on our research, Geico offers the cheapest fully comprehensive car insurance in Bridgeport. Geico's average fully comprehensive premium is $ 1,524 per year, which is $ 840 cheaper than the citywide average price. Geico's car insurance is limited, but it may be of interest to drivers who need basic, inexpensive coverage. Geico also offers many discounts, with savings for military personnel, federal employees, emergency operations, affinity groups, and good students.
Learn more: Geico Insurance Review
In the 2021 US auto insurance study by J.D. Power ranked Amica # 1 for overall customer satisfaction in the New England area. Amica is known for its excellent customer service, as well as low prices and a range of discounts. Bridgeport drivers can save money on their policy by being a loyal customer, owning a home, pooling their policies, being a good student, and being an old customer. Amica also offers dividend policies that allow policyholders to get a portion of their annual premium back at the end of the contract period.
Learn more: Amica Insurance Review
State Farm holds more than 16% of the total auto insurance market in the United States, making it the largest auto insurance company in the country. State Farm has pretty limited coverage options, but the company has a long list of discounts, including several that are specifically aimed at teenage drivers. With State Farm, Bridgeport drivers can get a lower rate by signing up for one of the company's safe driver reward programs or taking advantage of traditional discounts like Multi-Car or Multi-Policy.
Learn more: Review of state farm insurance
Cheapest car insurance in Bridgeport
The average cost of auto insurance in Bridgeport is $ 2,364 per year for fully comprehensive insurance and $ 1,084 per year for minimum coverage, well above the state and national averages. Connecticut drivers total an average of $ 1,845 per year for full coverage and $ 794 per year for minimum coverage. The nationwide average auto insurance is $ 1,674 for full coverage and $ 565 for minimum coverage.
However, Bridgeport auto insurances charge different rates for coverage. Some providers are cheaper on average than others. USAA, Geico, Amica, Nationwide and State Farm sell some of the cheapest auto insurance in Bridgeport.
|insurance company||Average annual premium for minimum coverage||Average annual premium for fully comprehensive insurance|
|USAA||$ 597||$ 1,561|
|Geico||$ 636||$ 1,524|
|Amica||$ 658||$ 1,806|
|Nationwide||$ 838||$ 1,664|
|District farm||$ 900||$ 2,116|
Remember, every company isn't just unique in terms of price. For example, USAA only sells to military personnel. Geico and State Farm offer some of the best discounts, but the advertising options are limited. Understanding what to look for with a car insurance carrier and getting quotes from multiple providers can be a great way to compare coverage, discounts, and third-party rankings.
Bridgeport Insurance Requirements
Bridgeport drivers who own a Connecticut registered car are required by law to have at least a minimum amount of insurance. The minimum coverage requirements in Connecticut include:
- $ 25,000 in personal injury per person
- $ 50,000 in personal injury per accident
- $ 25,000 in property damage coverage per accident
- $ 25,000 in uninsured driver injury per person
- $ 50,000 in uninsured driver injury per accident
- $ 25,000 in underinsured driver injury per person
- $ 50,000 in underinsured driver injury per accident
Minimum coverage is often the cheapest option available. However, choosing minimum coverage to keep costs down is a financial gamble. In the event of a culpable accident, you are liable for personal injury and property damage caused by you. Higher liability limits offer you more financial protection and can help you avoid high expenses. In addition, drivers who lease or finance their vehicle usually have to take out fully comprehensive insurance.
Car insurance discounts in Bridgeport
Most Connecticut auto insurance companies offer discounts to help drivers get a lower premium. Here are some of the most common discounts you might find in Bridgeport:
- Bundling of guidelines: Drivers who insure their home and vehicle with the same company can usually get a discount on both policies.
- Good student: High school and college students under the age of 25 who meet a minimum GPA often qualify for a good student discount.
- Defensive driver: Some insurance companies offer a discount to drivers who have completed approved defensive driver training.
- Pay the whole amount: Drivers who can afford to pay their premium in full can receive a discounted rate.
When shopping with auto insurance, you can check out the specific discounts each company offers to find ways to save. Note that some discounts offer greater savings than others and availability may vary.
frequently asked Questions
What is the best car insurance?
The best car insurance depends on what you want and need from your provider. For example, the best low tariff provider may be different from the best customer service provider. Shopping and comparing vendors based on your personal criteria can help you choose a company that suits your needs.
How much does car insurance cost in Bridgeport?
In Bridgeport, the average cost of auto insurance is $ 2,364 per year for full insurance and $ 1,084 per year for a minimum policy. However, remember that car insurance rates are personalized. You can pay more or less than average depending on your age, zip code, credit rating, vehicle type, and driving history.
Do I need comprehensive insurance?
Fully comprehensive insurance is not required to legally drive in Bridgeport, but if you have a loan or lease on your vehicle you will likely need fully comprehensive insurance based on your lender's requirements. Working with a licensed agent can be a great way to determine how much coverage you need. An agent can assess your particular circumstances and suggest appropriate coverage, coverage levels and endorsements for you.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and airlines in all 50 states and Washington, DC Coverage Limits:
- $ 100,000 personal injury liability per person
- $ 300,000 liability per accident
- $ 50,000 property damage liability per accident
- $ 100,000 personal injury to an uninsured driver per person
- $ 300,000 personal injury to an uninsured driver per accident
- $ 500 deductible in case of collision
- $ 500 deductible
To set the minimum coverage limits, Bankrate has used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes can be different.