Cheapest and Best Car Insurance in Stamford, CT (July 2024)

Finding the most cost-effective car insurance in Stamford means considering your particular needs. For full coverage, minimum coverage and families with teens, GEICO is the cheapest. In terms of customer service, Amica Mutual stands out as the best, which also offers the best overall value, considering both price and service. Selecting the ideal provider depends on your individual preferences and coverage requirements.

MoneyGeek found that GEICO is the cheapest car insurance option in Stamford, offering substantial savings on minimum coverage policies. Count on budget-friendly rates with these top contenders:

• GEICO: $448 per year
• Kemper: $603 per year

Hanover has the most expensive minimum coverage policy in Stamford, at $2,287 annually.

Across all Connecticut cities, including Stamford, car owners must abide by the state-mandated minimum insurance coverage requirements. Here are the essentials:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $25,000 property damage liability per accident
  
• $25,000 uninsured motorist bodily injury per person
  
• $50,000 uninsured motorist bodily injury per accident
  

For example, if you're at fault in a collision where the other party's injury costs $30,000, your minimum coverage will pay up to $25,000 per person. Should costs exceed this, you're responsible for the remaining $5,000 out-of-pocket.

MoneyGeek found that GEICO offers the most affordable option for cheapest full coverage car insurance in Stamford.

• GEICO: $964 per year
• Kemper: $1,158 per year

Hanover has the most expensive full coverage policy in Stamford, costing $4,503 annually, which is $3,539 more than GEICO. This significant price variation highlights why it's so important to compare rates for full coverage policies.

A full coverage policy may include $300,000 for bodily injury per incident and property damage liability reaching $100,000 per event. This is often referred to as a 100/300/100 policy.

Moreover, a full coverage policy extends beyond liability with the addition of comprehensive and collision coverages:

• Collision Coverage: This ensures your vehicle is protected financially when it sustains damage due to an impact, be that with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Coverage: With this, your vehicle is insured against a variety of non-collision events, ranging from vandalism and theft to natural disasters and being struck by an animal like a deer.

Opting for full coverage insurance is a prudent move, especially if you've invested in a new car. For those who own older vehicles, the added expense may not be worth it. When deciding how much car insurance you need compare costs with how much coverage you need.

GEICO is the most affordable option in Stamford for drivers with a poor driving record seeking a full coverage policy, but the premiums can vary based on specific driving violations. Here are the lowest rates for each type of offense:

• Speeding Ticket: GEICO ($1,117 per year)
• At-fault accident: GEICO ($1,407 per year)
• DUI: Progressive ($1,622 per year)

Hanover consistently has the most expensive rates, reaching up to $26,735 annually for drivers with a DUI.

In Stamford, as in many cities, insurance rates typically increase after driving offenses due to the higher risk factors associated with these drivers.

MoneyGeek found that GEICO is the cheapest option in Stamford, offering the cheapest car insurance for teens. Drivers in Stamford can find affordable rates to insure their families with teen drivers:

• GEICO: $1,105 per year for female teens and $1,575 per year for male teens
• Kemper: $1,767 per year for female teens and $1,849 per year for male teens

These rates are indicative of combined policies that cover a pair of parents with a teenage driver. Progressive offers the most expensive teen family policy in Stamford, with female teens costing $2,992 annually.

In Stamford, as in many cities across the US, the average annual premium for an individual teen policy is significantly higher at $6,844 compared to $2,491 when that teen is added to a family plan. The stark difference is due to the increased risk insurers associate with inexperienced teen drivers.

MoneyGeek found that GEICO is the cheapest option in Stamford for military backgrounds, offering the cheapest car insurance for military backgrounds.

• GEICO: $964 per year
• USAA: $1,027 per year

While USAA is not the cheapest option, ranking second with an annual premium of $1,027, its rates signify a competitive offer, especially given that its services are tailored to the needs of active duty military members.

In Stamford, you can use MoneyGeek's car insurance calculator to get estimates of rates. By inputting just a few critical details, such as age, driving record, credit score, and desired coverage level, you receive instantaneous estimates tailored to your specific needs.

Choosing the best auto insurance is a consideration of how you weigh factors like service quality, cost, coverage and other aspects. MoneyGeek has evaluated Stamford's insurance providers using varied scoring criteria for each category to guide you to the right choice for your needs.

• Best overall: Amica Mutual (MoneyGeek score 94 out of 100)
• Best for service: Amica Mutual (MoneyGeek score 99 out of 100)
• Best cheap: Amica Mutual (MoneyGeek score 92 out of 100)

Amica Mutual stands out in Stamford as the leading auto insurance provider for overall value, premier service and affordability

MoneyGeek found that Amica Mutual is the provider of the best car insurance in Stamford, ensuring their clients are exceptionally well-cared for. With a MoneyGeek score of 94 out of 100 and a competitive annual premium of $1,906, Amica Mutual is the top pick for drivers who prioritize comprehensive coverage and exceptional service.

• Amica Mutual: MoneyGeek score of 94 out of 100 ($1,906 per year)
• State Farm: MoneyGeek score of 72 out of 100 ($1,528 per year)

Amica Mutual scores high in claims and satisfaction, indicating superior customer experience and efficient claims handling.

MoneyGeek found that Amica Mutual is the top option in Stamford for exceptional car insurance customer service, prioritizing overall satisfaction, claims processing and breadth of coverage options.

• Amica Mutual: MoneyGeek score of 99 out of 100 ($1,906 per year)
• Hanover: MoneyGeek score of 72 out of 100 ($4,503 per year)

Amica Mutual scores high across the main factors influencing the MoneyGeek score. Its dominance is particularly notable in customer satisfaction and claims handling.

MoneyGeek found that Amica Mutual is the best option in Stamford for consumers seeking affordable car insurance without sacrificing service.

• Amica Mutual: MoneyGeek score of 92 out of 100 ($954 per year)
• State Farm: MoneyGeek score of 74 out of 100 ($795 per year)

Amica Mutual stands out due to its exceptional balance of affordable rates and customer service.

In Stamford, Connecticut, drivers can expect the average car insurance cost to be around $1,704 annually. This figure is notably lower than the average car insurance cost in the state of Connecticut, which comes in at $1,914. When compared to the national average of $1,781, Connecticut's average is higher by $133, illustrating an increased cost at the state level.

Car insurance rates are determined by a variety of factors, with location often playing a significant role. Stamford is the city with the cheapest annual premium, while New Haven ranks as the most expensive at $2,165.