Best Cheap Car Insurance Companies in Bridgeport, Conn.
The best car insurance options in Bridgeport are Geico, USAA, State Farm, Allstate and Nationwide. These companies provide rates that are lower than average for both minimum and full coverage in the city and also offer strong customer service along with superb coverage.
Keep reading: Cheap car insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.
How Much Is Car Insurance in Bridgeport, Conn.?
Our data shows that the average cost of minimum-coverage car insurance in Bridgeport is $109 per month or $1,312 per year. This is about 110% more than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs $207 per month or $2,480 per year on average, which is about 24% more expensive than the national average of $167 per month or $2,008 per year for full coverage.
Cheapest Liability Car Insurance in Bridgeport
Geico offers the cheapest liability insurance with average rates of $53 per month or $632 per year. USAA is the second-cheapest option in Bridgeport with average rates of $65 per month or $782 per year.
Liability coverage is the minimum coverage required by the state of Connecticut. According to Connecticut law, all drivers must either meet or exceed the following minimum requirements:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 underinsured/uninsured motorist coverage per person
- $50,000 underinsured/uninsured motorist coverage per accident
Cheapest Full-Coverage Car Insurance in Bridgeport
A full-coverage car insurance policy can be pricey in Bridgeport. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Geico is the cheapest full-coverage option with average rates of $112 per month or $1,340 per year.
Bridgeport Car Insurance Quotes by Driver Profile
There are several factors that influence the cost of car insurance, so a company that’s affordable for one person may be pricey for someone else. In this part, we’ll examine the cost of car insurance in Bridgeport based on the age of the driver, their credit score and their driving history. Bridgeport has multiple ZIP codes with their own average car insurance costs, so we’ll take a close look at those as well.
Simple ways to save on auto insurance in Bridgeport are by increasing your deductible and by comparing auto insurance quotes from various local insurance agencies. You can also save if you bundle car coverage with your renters or homeowners insurance policies.
Bridgeport Car Insurance Cost by Age
Car insurance coverage is more expensive for teenagers because they have a higher chance of getting into car accidents or breaking traffic laws. Our data shows that 16-year-olds pay about $579 per month or $6,946 per year for car insurance in Bridgeport.
As people keep driving in their 20s, the cost of car insurance goes down. Here are some examples of average minimum-coverage car insurance costs in Bridgeport for different ages.
Cheapest Car Insurance in Bridgeport: Teen Drivers
Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Geico is the cheapest car insurance company for teen drivers, with minimum-coverage rates as low as $222 per month or $2,668 per year. State Farm, USAA and Nationwide also offer affordable insurance premiums for Bridgeport teens.
Bridgeport Car Insurance Cost by Credit Score
Car insurance companies in Connecticut and in many other states can use credit scores to decide how much to charge for premiums. If someone has a low credit score, they’ll have to pay steeper car insurance rates, and the opposite is true for those with higher scores.
Cheapest Car Insurance in Bridgeport: Poor Credit
Our rate data shows that Geico is the cheapest option for car insurance with bad credit in Bridgeport. The company offers minimum-coverage policies to drivers with poor credit for rates of $86 per month or $1,035 per year. This is 21% less than the overall state average for minimum coverage with good credit.
Bridgeport Car Insurance Cost by Driving Record
People who’ve received speeding tickets, been in car accidents or gotten charged with DUIs should anticipate higher car insurance costs. On average, speeding can increase your rates by 23%, an at-fault accident by 40%, and a DUI by 128%.
Different companies have varying average price increases, though State Farm is usually the top choice in Bridgeport after a driving record violation. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Bridgeport: Speeding Ticket
According to our data, Geico offers the cheapest auto insurance rates to drivers who have a speeding ticket on their records — $64 per month or $769 per year. USAA follows close behind with an average monthly rate of $75, while State Farm, Allstate and Nationwide round out the top five options for cheap speeding ticket car insurance in Bridgeport.
Cheapest Car Insurance in Bridgeport: At-Fault Accident
If you’ve caused an accident while driving, it could cause your insurance rates to go up more than if you had received a speeding ticket. Geico and State Farm are the cheapest options here with average rates of $78 per month and $79 per month, respectively. You’ll see that some auto insurance companies charge significantly more for this coverage after an accident.
Cheapest Car Insurance in Bridgeport: DUI
Getting either a DUI or DWI in Bridgeport can lead to a big rise in your car insurance costs, potentially adding hundreds of dollars to your yearly rates. State Farm is cheap compared to other companies, offering average rates of $79 per month or $953 per year to drivers with a DUI. Allstate, Progressive and USAA are also good options with rates under $151 per month on average.
Cheap Car Insurance in Bridgeport, Conn.: The Bottom Line
While auto coverage in Bridgeport is 37% higher than Connecticut car insurance and 110% more than the U.S. average, there are still affordable providers to shop from. Geico offers the cheapest minimum and full coverage in the city for about $53 per month and $112 monthly, respectively.
Compare free quotes to find the company that meets your Connecticut car insurance needs at the best rates. You can compare insurance products and get quotes online or from local insurance agents.
Cheapest Auto Insurance in Bridgeport, Conn.: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Bridgeport, Conn.:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.