Compare Colchester, CT Car Insurance Rates (2021)

Car insurance in Colchester, CT averages $351 a month. Colchester, Connecticut car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Colchester car insurance rates, compare quotes from the top car insurance companies in Colchester, CT.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Colchester is GEICO
  • Average car insurance rates in Colchester, CT are $4,210/year
  • Average car insurance rates in Colchester, CT after a DUI are $5,106/year

If you need to buy Colchester, Connecticut car insurance, the options can be confusing. Everything you need to know about car insurance in Colchester, CT is right here.

You’ll find Colchester car insurance rates, the cheapest Colchester, CT car insurance companies, and information on Connecticut car insurance laws. You can also compare Colchester, Connecticut car insurance rates to Norwalk car insurance rates, Hartford car insurance rates, and Bridgeport car insurance rates.

Ready to find affordable Colchester, CT car insurance today? Enter your ZIP code for fast, free Colchester car insurance quotes.

Cheapest Colchester, CT Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Colchester, CT car insurance rates? Every Colchester, Connecticut car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Colchester, Connecticut

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,700 $3,661 $3,403 $3,645 $11,280 $13,311 $3,874 $4,070
GEICO $1,954 $1,959 $1,813 $1,827 $4,484 $5,312 $1,885 $1,833
Liberty Mutual $3,238 $3,512 $2,489 $3,052 $16,229 $18,258 $3,287 $3,593
Nationwide $2,062 $2,085 $1,858 $1,946 $5,616 $7,110 $2,382 $2,557
Progressive $2,292 $2,142 $1,958 $2,032 $9,527 $10,562 $2,626 $2,951
State Farm $1,638 $1,638 $1,506 $1,506 $4,921 $6,180 $1,838 $2,108
Travelers $1,632 $1,657 $1,624 $1,620 $12,387 $19,929 $1,775 $2,004
USAA $1,855 $1,837 $1,727 $1,706 $5,822 $6,120 $2,481 $2,574

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Minimum Car Insurance in Colchester, CT

Every driver must carry the minimum car insurance in Colchester, CT. Take a look at the Connecticut car insurance requirements.

Minimum Required Car Insurance Coverage in Colchester, Connecticut

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Colchester, CT Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Colchester, CT. Compare credit history car insurance rates in Colchester from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Colchester, Connecticut

Insurance Company Poor Fair Good
Allstate $7,480 $5,644 $4,479
GEICO $3,827 $2,311 $1,761
Liberty Mutual $9,524 $5,932 $4,665
Nationwide $4,229 $2,850 $2,527
Progressive $4,638 $4,161 $3,985
State Farm $3,705 $2,378 $1,917
Travelers $6,049 $5,041 $4,895
USAA $3,987 $2,690 $2,369

Cheapest Colchester, CT Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Colchester, CT to rates for a clean record with top companies.

Annual Colchester, Connecticut Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,998 $6,173 $7,304 $4,998
GEICO $1,665 $2,181 $4,643 $2,044
Liberty Mutual $5,875 $7,361 $7,278 $6,314
Nationwide $2,618 $3,396 $3,882 $2,912
Progressive $3,634 $5,277 $3,818 $4,316
State Farm $2,485 $2,727 $2,727 $2,727
Travelers $4,293 $4,648 $6,759 $5,614
USAA $2,343 $2,941 $4,435 $2,343

Cheapest Colchester, CT Car Insurance for Teen Drivers

Teen car insurance in Colchester, CT can be expensive. Take a look at rates from the top car insurance companies in Colchester for teenagers.

Annual Car Insurance Rates for Teen Drivers in Colchester, Connecticut

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,280 $13,311
GEICO $4,484 $5,312
Liberty Mutual $16,229 $18,258
Nationwide $5,616 $7,110
Progressive $9,527 $10,562
State Farm $4,921 $6,180
Travelers $12,387 $19,929
USAA $5,822 $6,120

Cheapest Colchester, CT Car Insurance for Seniors

Take a look at Colchester, CT senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Colchester, Connecticut

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,403 $3,645
GEICO $1,813 $1,827
Liberty Mutual $2,489 $3,052
Nationwide $1,858 $1,946
Progressive $1,958 $2,032
State Farm $1,506 $1,506
Travelers $1,624 $1,620
USAA $1,727 $1,706

Cheapest Colchester, CT Car Insurance Rates After a DUI

A DUI in Colchester, CT increases car insurance rates. Compare Colchester, Connecticut DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Colchester, Connecticut

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,304
GEICO $4,643
Liberty Mutual $7,278
Nationwide $3,882
Progressive $3,818
State Farm $2,727
Travelers $6,759
USAA $4,435

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Cheapest Colchester, CT Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Colchester, CT by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Colchester, Connecticut

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,868 $5,868
GEICO $2,593 $2,673
Liberty Mutual $6,707 $6,707
Nationwide $3,202 $3,202
Progressive $4,261 $4,261
State Farm $2,602 $2,732
Travelers $5,328 $5,328
USAA $2,979 $3,051

The Best Cheap Car Insurance Companies in Colchester, CT

Take a look at a side-by-side comparison of the top car insurance companies in Colchester, CT to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Colchester, Connecticut

Insurance Company Average Annual Rates
Allstate $5,868
GEICO $2,633
Liberty Mutual $6,707
Nationwide $3,202
Progressive $4,261
State Farm $2,667
Travelers $5,328
USAA $3,015

Category Winners: Cheapest Car Insurance in Colchester, Connecticut

Find the cheapest car insurance companies in Colchester, CT for each category right here.

Best Annual Car Insurance Rates by Company in Colchester, Connecticut

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Cheapest Colchester, CT Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Colchester car insurance rates. Find the cheapest Colchester, CT car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Colchester, Connecticut

Insurance Company Low Medium High
Allstate $5,510 $5,859 $6,235
GEICO $2,450 $2,603 $2,847
Liberty Mutual $6,478 $6,664 $6,979
Nationwide $3,253 $3,223 $3,130
Progressive $3,994 $4,227 $4,563
State Farm $2,504 $2,671 $2,826
Travelers $4,956 $5,293 $5,736
USAA $2,826 $3,018 $3,202

What affects car insurance rates in Colchester, Connecticut?

What factors can have an impact on Colchester, CT car insurance? There are several reasons why Colchester car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Colchester, Connecticut.

Commute Time in Colchester

The more time you spend in your car the higher the risk of an accident. The average commute length in Colchester, CT is 29.2 minutes according to City-Data.

Traffic in Colchester

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Colchester, CT traffic data from INRIX ranks Colchester as the 296th-most congested in the world.

Compare Car Insurance Quotes in Colchester, CT

Ready to find affordable Colchester, Connecticut car insurance today? Enter your ZIP code for fast, free Colchester, CT car insurance quotes.

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Average Monthly Car Insurance Rates by State