Depending on your driver profile and needs, the cheapest insurer for you will vary. GEICO offers the cheapest minimum and full coverage policies. It is also an affordable option for drivers with a speeding ticket or an at-fault accident. Teenage drivers can find a low rate with GEICO. State Farm may suit drivers with a DUI, while USAA caters to military personnel. Consider Amica Mutual for the best full and minimum coverage policies. This carrier is also our top pick for service quality.
Cheapest and Best Car Insurance in Bridgeport
Cheapest Minimum Liability Car Insurance in Bridgeport
The least expensive minimum coverage policy in Bridgeport is offered by:
- GEICO: $468 per year
- Amica Mutual: $606 per year
Hanover has the most expensive rates at $2,289 per year. GEICO also offers the cheapest car insurance in Connecticut for minimum coverage policies at $338 per year, slightly less than the average cost of insurance in the city.
In Connecticut, drivers are required to have bodily injury liability, property damage liability and uninsured/underinsured motorist coverage. The following limits are required:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
For drivers that are found at-fault in an accident, minimum coverage helps pay for damages to the other driver (and passengers). Your insurance company covers medical expenses for each individual up to $25,000, with a maximum of $50,000 per accident, regardless of the number of passengers. Know that you will be responsible for any expenses exceeding these limits.
Cheapest Full Coverage Car Insurance in Bridgeport
Drivers in Bridgeport can get the cheapest full coverage car insurance from:
- GEICO: $1,030 per year
- Amica Mutual: $1,230 per year
At $4,670 per year, Hanover offers the most expensive rates in the city. Our statewide comparison revealed that GEICO also provides the cheapest full coverage car insurance in Connecticut at $730 per year, roughly $300 less than the average cost of insurance in the city.
Opting for a full coverage policy includes collision and comprehensive insurance.
- Comprehensive Insurance: Offers protection for your vehicle against non-collision incidents like natural disasters, theft, fire and falling objects.
- Collision Insurance: Covers damages to your vehicle that result from a crash or accident with another car or object.
Full coverage car insurance is generally preferred by drivers of new vehicles that want to safeguard their investment. It may not be worth the extra cost for drivers with older vehicles.
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Cheapest Car Insurance in Bridgeport After a Driving Offense
Drivers in Bridgeport with a history of traffic violations will get the cheapest rates for a full coverage policy from the following insurers:
- Speeding ticket: GEICO ($1,197 per year)
- At-fault accident: GEICO ($1,497 per year)
- DUI: State Farm ($1,508 per year)
Hanover has the most expensive annual rates for drivers with speeding tickets, at-fault accidents and DUI offenses, charging $5,931, $7,589 and $26,613, respectively.
Having a poor driving record will increase the cost of your insurance. Even rates from cheap companies for drivers with offenses will be more than average-priced rates for drivers with a clean driving history.
Car insurance rates tend to increase in proportion to the severity of the driving offense. For instance, drivers with a DUI offense pay an average of $3,500 more for car insurance than those with a speeding ticket. It’s possible to still obtain relatively cheap auto insurance even with a bad driving record by comparing insurers’ rates.
Cheapest Car Insurance in Bridgeport for Teens and Their Families
In Bridgeport, the following insurers offer the cheapest full coverage policies for 16-year-old teens added to a family policy:
- GEICO: $1,640 per year for female teens; $2,337 for male teens
- Kemper: $2,271 per year for female teens; $2,377 for male teens
State Farm is the most expensive, charging $3,600 per year for female teens and $4,474 per year for male teens.
Typically male teens pay more for car insurance than female teens. GEICO, the cheapest insurer, charges male teens approximately $697 more than female teens for car insurance. This cost discrepancy tends to level out in early adulthood.
To save money, teen drivers can join a family policy rather than purchasing their own policy. For example, in Bridgeport, a 16-year-old male could save at least $4,500 per year by joining a family policy instead of purchasing an individual policy. While rates for teens may still be expensive, teen drivers and their families can save money by researching the cheapest car insurance for teens.
Cheapest Car Insurance in Bridgeport for Military Drivers
Drivers with a military background can find cheap auto insurance for military personnel from the following carriers:
- USAA: $841 per year
- GEICO: $1,030 per year
The rates listed above are for a full coverage policy. Those who prefer minimum coverage can also grab affordable rates with USAA ($409 per year) or GEICO ($468 per year).
How to Compare Cheap Bridgeport Car Insurance Quotes Online
It can take up to 15 minutes to obtain an auto insurance quote — most companies require you to input an extensive amount of personal information.
Fortunately, MoneyGeek's car insurance calculator allows you to easily obtain auto insurance estimates using the make and model of your vehicle, your age, driving record and desired coverage level.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Bridgeport: Summary
The best auto insurer for you will vary based on your coverage needs and preferences (affordability, customer service, etc.) in an insurer. We highlighted the top-performing insurers in a few key categories:
- Best overall: Amica Mutual (MoneyGeek score of 84 out of 100)
- Best for service: Amica Mutual (MoneyGeek score of 71 out of 100)
- Best cheap: Amica Mutual (MoneyGeek score of 84 out of 100)
MoneyGeek scores varied across categories based on the factors weighted. In addition to being the best insurer in the city, Amica Mutual offers the best auto insurance in Connecticut. Active military members, veterans and their families should consider USAA. The insurer earned a high MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in Bridgeport
In Bridgeport, the best overall car insurance providers are:
- Amica Mutual: MoneyGeek score of 84 out of 100 ($1,230 per year)
- GEICO: MoneyGeek score of 75 out of 100 ($1,030 per year)
Of the eight companies we evaluated, Amica Mutual is our top choice because it has the second-cheapest rates and the highest customer satisfaction score. This means you won’t have to compromise on quality service for cost. With a MoneyGeek score of 85 out of 100, USAA is a stellar option that caters specifically to military members.
How was this MoneyGeek score calculated?
Has the second-cheapest rates
Has the highest customer service score
Offers glass deductible modification
Has a slightly above-average rating for claims management
With Amica Mutual, you can expect an excellent balance between premium cost and customer service. The provider offers a fair amount of helpful coverages that most drivers can benefit from.
Amica Mutual’s glass deductible modification is an add-on option offered by few competitors. For an extra cost, policyholders can waive their deductible when they file a claim to repair or replace their damaged windshield or windows. This coverage is ideal for those who drive in areas where cracked windshields happen often or where break-ins are common.
Accident forgiveness is another great add-on option in which policyholders can earn points in one of two ways; you can earn advantage points by renewing your Amica Mutual policy or referring others to Amica. Another way to qualify is to complete one year of good driving or maintain a clean record. Accident forgiveness offers a financial safety net should you encounter an untoward situation.
Best Car Insurance in Bridgeport for Customer Service
To rank the best auto insurance companies in Bridgeport based on customer satisfaction, we removed cost from our scoring system. The following companies ranked highest:
- Amica Mutual: MoneyGeek score of 71 out of 100 ($1,230 per year)
- Hanover: MoneyGeek score of 58 out of 100 ($4,670 per year)
With Amica Mutual, you’re guaranteed excellent customer satisfaction plus access to multiple widely available coverages. Compared to other companies, the insurer is very affordable, offering the second-cheapest rates for a full coverage policy.
How was this MoneyGeek score calculated?
Has the highest customer satisfaction ratings
Has an above-average rating for claims management
Offers a wide selection of optional coverages
Doesn’t offer deductible modification coverage
Amica Mutual offers outstanding customer service at a reasonable price. Policyholders also have the option to add several coverages to their policy, including gap insurance and identity theft coverage.
In the event your car is considered a total loss, gap insurance pays for the difference between the current value of your car and the balance on your loan or lease. Be sure to add this coverage within 30 days of purchasing your loan or lease for it to apply.
Amica Mutual also offers identity theft protection, a unique add-on option that covers some of the costs associated with identity fraud and includes credit card alerts and assistance with resolving fraud issues.
Quality customer service can be especially helpful during stressful situations, like after an accident or car breakdown. Insurers that provide exceptional customer service, like Amica Mutual, can give you peace of mind knowing your claim will be handled promptly and professionally.
Best Cheap Car Insurance Companies in Bridgeport
Taking into account affordability and customer service, the following companies offer the best minimum coverage policies in Connecticut:
- Amica Mutual: MoneyGeek score of 84 out of 100 ($606 per year)
- GEICO: MoneyGeek score of 78 out of 100 ($468 per year)
Minimum coverage policies are usually the cheapest, but they have the least amount of liability protection. A minimum coverage policy also won’t cover damages to your vehicle.
How was this MoneyGeek score calculated?
Has the second-cheapest rates at $606 per year
Has the highest customer satisfaction score
Offers discounts including paperless, safe driving and advanced safety features
Only has a slightly above-average score for claims management
Amica Mutual has the second-most affordable premiums and provides exceptional customer service. Through its numerous discounts, like those for paperless billing, safe driving and installing advanced safety features, policyholders can save even more money.
Some common available discounts include Amica Mutual’s paperless discount, which allows you to save money when you opt for digital policy documents and billing. You can also earn a safe-driving discount by staying accident-free for three years.
Amica Mutual even offers rare discounts, like the continuously insured discount. Drivers can earn this by being insured with any provider for at least two years. They can also receive another discount, the advanced safety features discount, by equipping their car with collision-avoidance features, electronic stability control or adaptive headlights. Other ways to get cheaper premiums are to bundle Amica Mutual policies or insure multiple vehicles.
Average Cost of Car Insurance in Bridgeport
An average auto insurance policy in Bridgeport costs $1,595 per year, which is $154 more than the cost of auto insurance in Connecticut (as of October 2022). Compared to the national average of $1,265, Bridgeport’s quotes are $330 more expensive.
These quotes reflect a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
About Mark Fitzpatrick