On average, car insurance costs $1,442 per year in Bridgeport. That’s the same average as the state of Connecticut. The cheapest widely available comprehensive car insurance provider is GEICO, with a cost of $925 per year. MoneyGeek studied the most affordable insurance providers based on coverage amounts and driving histories to ensure that Bridgeport drivers seeking quality coverage can find a rate that meets their needs.
Compare the Cheapest Car Insurance Quotes in Bridgeport, CT
The Cheapest and Best Car Insurance in Bridgeport
The Cheapest Car Insurance Companies in Bridgeport
The most affordable insurance companies in Bridgeport for a full coverage car insurance policy are:
- USAA: $847 per year (exclusively offered to military personnel and their families)
- GEICO: $925 per year
MoneyGeek used insurance costs of a sample 40-year-old male driver with full coverage insurance to rate car insurance companies in Bridgeport. The sample policy includes liability insurance and comprehensive and collision coverage that covers damages to your own vehicle.
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Average Cost of Car Insurance in Bridgeport
In Bridgeport, the average annual car insurance rate is $1,442. This rate is the same as the Connecticut average and 1.2% higher than the national average of $1,424.
The Best Car Insurance Companies in Bridgeport
MoneyGeek’s ranking lists the best companies in Bridgeport to help drivers find an insurer that balances high-quality service with affordable prices.
Based on these scores, the best auto insurance companies in the city for most drivers are:
- State Farm: MoneyGeek score of 93 out of 100
- GEICO: MoneyGeek score of 93 out of 100
USAA received the highest score in Bridgeport by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The methodology used by MoneyGeek includes various factors, such as the J.D. Power financial stability, user satisfaction and affordability scores.
Personalized Quotes to Get You the Cheapest Car Insurance in Bridgeport
To determine car insurance quotes in Bridgeport, providers rely on multiple factors including your age and gender, marital status, car make and model and others. For example, in Bridgeport, GEICO’s average prices for 18-year-old drivers are more than three times as expensive as those of 40-year-old customers. It’s a great idea to regularly get a customized quote that considers your changing circumstances to find the cheapest coverage.
Shopping around for car insurance in Bridgeport could save you $517, which is enough to buy:
Cheapest Car Insurance in Bridgeport by Coverage Amount
In Bridgeport and other cities, the level of coverage you purchase determines how much you pay for car insurance. For instance, if you buy state minimum liability-only coverage, you will pay $884 per year on average. However, if you get a full coverage policy, which offers higher limits, you will pay an average of $1,442 per year, which is $558 more.
Connecticut Minimum Liability Requirements
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
In Bridgeport, GEICO presents both liability-only and full-coverage packages within 50/100/50 limits. These limits indicate that the policies cover $50,000 of medical bills per person, amounting to $100,000 per vehicle, as well as $50,000 of property damage repair costs. The full-coverage plan will pay for your own expenses, and that’s why it costs $212 more on average than liability-only coverage.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Bridgeport if You Have Driving Violations
The penalties of having a driving violation on your record include higher car insurance premiums. For instance, in Bridgeport, Travelers policyholders with a DUI on their record need to pay around $1,077 more per year for their coverage compared to those with a clean record, while drivers with a speeding ticket will pay an average of $501 more.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
While ZIP code often factors into your auto insurance costs, this is not true in Bridgeport. Auto insurance providers assess the number of accidents, car-theft incidents and other factors in an area when computing its costs. However, in Bridgeport, the average premium cost does not vary at all depending on your ZIP code.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Bridgeport
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Bridgeport. How Bridgeport ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Bridgeport are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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