Compare Stamford, CT Car Insurance Rates (2021)

The cheapest Stamford, CT car insurance rates are offered by State Farm. You can expect to pay $262/mo, but rates will be different for each driver. Auto insurance in Stamford, CT must meet the Connecticut minimum requirements of 25/50/25 in liability and 25/50 in uninsured/underinsured motorist coverages.

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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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Founder & CFP®

UPDATED: May 21, 2021

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Here's what you need to know...

  • State Farm is the cheapest car insurance company on average in Stamford, CT
  • Stamford car insurance rates are higher than the national average
  • Drivers in Stamford face a high volume of traffic and long commute times

Stamford, CT car insurance is higher than the national average. That’s not surprising since Connecticut car insurance, in general, is also more expensive than average.

However, you can still find affordable Stamford, CT car insurance if you shop around. Compare quotes from different companies to see who can offer you cheap car insurance.

Enter your ZIP code now to compare Stamford, CT car insurance rates from multiple companies near you for free.

What is the cheapest car insurance company in Stamford, CT?

The cheapest Stamford, CT car insurance company is State Farm, but rates will vary by driver.

The top Stamford, CT car insurance companies listed from least to most expensive are:

  • State Farm – $3,137.95
  • GEICO – $3,322.64
  • USAA – $3,337.69
  • Nationwide – $3,946.28
  • Progressive – $4,610.46
  • Allstate – $5,969.15
  • Travelers – $6,683.29
  • Liberty Mutual – $7,835.59

Car insurance rates are affected by many different factors, such as your age and driving record.

Where you live and the size of your city also affects your rates. Larger cities with more crime and traffic will pay more for car insurance. For example, Bridgeport car insurance is much more expensive than coverage in Stamford, CT.

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What car insurance coverage is required in Stamford, CT?

Almost all states require drivers to carry at least a minimum amount of car insurance, and Connecticut is no different. Drivers in Stamford must have:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

These are very low minimums, and drivers should consider increasing them and adding additional coverages. Such low minimums will not adequately protect you in the event of a major accident, and you will be responsible for any expenses not covered.

What affects car insurance rates in Stamford, CT?

Traffic volume can affect your car insurance rates. More traffic means you have a great chance of being in an accident.

INRIX ranks Stamford, CT as the 11th most congested city in the U.S. Drivers spend about 38 hours a year sitting in traffic.

City-Data shows that most drivers in Stamford commute around 20 minutes, but a large number commute 90 minutes or more.

Theft can also raise your auto insurance rates. According to the FBI, there were 257 motor vehicle thefts in one year in Stamford.

Stamford, CT Car Insurance: The Bottom Line

Auto insurance rates are above average, but you can find great deals if you shop around before you buy Stamford, CT auto insurance. Compare rates since each company will make you a different offer.

Enter your ZIP code to compare Stamford, CT car insurance quotes for free today.

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