Cheapest and Best Car Insurance in Bridgeport, CT (2024)

In Bridgeport, Connecticut, GEICO offers the most affordable minimum and full coverage car insurance and provides the best value for families with teen drivers. Amica Mutual excels in customer service and is the best overall insurer, balancing cost and service. Your ideal option depends on your personal coverage needs.

MoneyGeek found that GEICO is the cheapest car insurance option in Bridgeport for minimum coverage.

• GEICO: $628 per year
• Kemper: $783 per year

Hanover provides the most expensive minimum coverage policy in Bridgeport, with an annual premium of $2,844. This shows a significant difference of $2,216 when compared to GEICO, the cheapest provider. These figures emphasize the importance of comparing car insurance rates to ensure you are getting a cost-effective policy.

Connecticut state law mandates minimum car insurance coverage requirements with these limits:

• $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

If you're at fault in an accident, your minimum coverage policy will pay up to $25,000 for injuries per person, with a cap of $50,000 per accident. You will be responsible for damages beyond these limits.

MoneyGeek found that GEICO offers the cheapest full coverage car insurance in Bridgeport, allowing you to save on costs without compromising on coverage.

• GEICO: $1,385 per year
• Kemper: $1,500 per year

Hanover has the most expensive full coverage policy in Bridgeport, with an average annual premium of $5,509. There is a difference of $4,124 when compared to the cheapest option from GEICO, which highlights why shopping around is crucial. Full coverage policies are more costly than minimum coverage because they provide comprehensive protection against various incidents.

A full coverage policy has higher liability coverage, increasing bodily injury liability to $100,000 per individual limit, $300,000 per accident and property damage liability to $100,000 for each accident. This enhanced policy is commonly referred to as 100/300/100.

Full coverage also includes comprehensive and collision insurance:

• Collision Insurance: This insurance is designed to cover the cost of repairs to your vehicle after an accident involving a collision with another vehicle or stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This covers a range of non-collision incidents that may damage your vehicle, such as theft, vandalism, fires, natural disasters or being hit by an animal.

For owners of new vehicles, opting for full coverage is advisable to protect the substantial financial investment. If you have an older vehicle, the added cost of extensive insurance might not justify the benefits. When deciding how much car insurance coverage you need, consider that higher coverage levels come with larger premiums, yet opting for lower coverage could leave you vulnerable financially if underinsured.

MoneyGeek found that Nationwide is the cheapest option in Bridgeport for drivers with a speeding ticket, while GEICO offers the lowest rates for drivers who are at fault in an accident. Progressive provides the most affordable coverage after a DUI. Assessing different scenarios is important for finding the cheapest company for drivers with a poor driving record. The cheapest premiums for different infractions are:

• Speeding Ticket: Nationwide ($1,537 per year)
• At-Fault Accident: GEICO ($2,024 per year)
• DUI: Progressive ($1,973 per year)

Hanover charges the most for drivers with infractions, particularly after a DUI, with an average annual rate of $30,963. Hanover charges drivers with speeding tickets $6,909 per year and $8,832 per year for drivers with an at-fault accident. The premium differences show how the severity of the violation can significantly influence insurance costs.

Insurance rates in Bridgeport and other cities increase with the gravity of driving offenses because these infractions elevate the perceived risk for insurers. Drivers with a speeding ticket face an average annual premium of $46,230, while a DUI increases rates to an average of $199,129. This disparity underlines the necessity for drivers with offenses to compare insurance rates to secure potential savings and find the most favorable terms.

MoneyGeek found that GEICO offers the cheapest average rates for families with teen drivers in Bridgeport. The two most affordable providers are:

• GEICO: $2,176 per year for female teens and $2,337 per year for male teens
• Kemper: $2,271 per year for female teens and $2,377 per year for male teens

These rates are for a policy that covers two parents and a teen driver. The most expensive provider for female teens is Progressive, with an average annual premium of $3,600. State Farm is the most expensive provider for male teens at around $4,474 per year. Car insurance costs for teenage drivers are often higher due to insurers perceiving them as having a higher risk for accidents and risky driving behavior.

In Bridgeport, young drivers face steep insurance costs, with an average individual annual premium of $8,902 compared to $3,231 when included in a family policy. The substantial difference in rates is due to solo teen drivers posing a higher risk, often resulting in high premiums and difficulty securing a policy. Insurers typically offer more competitive rates to families as the risk is spread across multiple drivers, emphasizing the importance of teens leveraging joint family plans for affordable coverage.

MoneyGeek found that USAA is the cheapest option in Bridgeport for full coverage car insurance tailored to individuals with a military background. Here are the two most affordable providers:

• USAA: $1,185 per year
• GEICO: $1,385 per year

USAA is one of the best choices in Bridgeport for the cheapest car insurance for military backgrounds. GEICO follows closely with more generalized services for a wider audience. If you are eligible for USAA, consider it for its competitive rates and military-focused services.

Comparing car insurance rates in Bridgeport leads to significant savings. However, evaluating three or more companies can take upward of an hour.

MoneyGeek's car insurance calculator helps you avoid this lengthy process. You can get prompt personalized estimates by inputting necessary information such as age, driving history, credit score and desired coverage level.

Choosing the best car insurance depends on how much you prioritize service quality, cost, coverage and other factors. According to MoneyGeek's tailored research, Bridgeport's leading insurance provider for varying needs is Amica Mutual:

• 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 93 out of 100)

Amica Mutual secures top rankings across all three categories, offering stellar service, comprehensive coverage and affordability. Opt for Amica Mutual when you require the highest overall value, unrivaled customer service and affordability without compromising service quality.

MoneyGeek found that Amica Mutual offers the best option for car insurance in Bridgeport for drivers seeking a full coverage policy. These are the top two providers for the best car insurance, according to MoneyGeek's comprehensive scores:

• Amica Mutual: MoneyGeek score of 94 out of 100 ($2,380 per year)
• State Farm: MoneyGeek score of 72 out of 100 ($2,098 per year)

Amica Mutual stands out for its exceptional satisfaction and claims handling scores, indicating its commitment to quality service and reliable claims resolution for policyholders. With a near-perfect MoneyGeek score, the insurer's attention to customer needs and its competitive pricing are appreciated by its customers.

MoneyGeek found that Amica Mutual is the best car insurance option in Bridgeport based on customer service, regardless of cost.

• Amica Mutual: MoneyGeek score of 99 out of 100 ($2,380 per year)
• Hanover: MoneyGeek score of 72 out of 100 ($5,509 per year)

Amica Mutual distinguishes itself with the highest ratings across satisfaction and claims handling, which are significant contributors to its near-perfect MoneyGeek score. It is renowned for exemplary customer service and provides assurance that policyholders receive attentive support and comprehensive coverage.

According to MoneyGeek's comprehensive scoring system, Amica Mutual is the best option for affordable car insurance in Bridgeport.

• Amica Mutual: MoneyGeek score of 93 out of 100 ($1,095 per year)
• Nationwide: MoneyGeek score of 74 out of 100 ($854 per year)

Amica Mutual has the highest marks in customer satisfaction and claims handling, factors essential for a positive insurance experience. Its leading score reflects the company's excellence in providing affordable minimum coverage policies without compromising service quality.

In Bridgeport, Connecticut, the average car insurance cost is $2,067. This is higher than Connecticut's state average of $1,846. Note that the average cost of car insurance in Connecticut is above the national average of $1,720. This state-to-national difference amounts to $126, indicating that residents in Connecticut face higher insurance premiums than many areas in the United States.

Several factors affect the cost of car insurance, with location playing a significant role. Variables such as traffic density, risk of accidents and theft rates can drive up insurance costs in densely populated urban areas. New Haven is the city with the most expensive premium at $2,086 per year, while Stamford boasts the cheapest city premium at $1,644. This $360 difference exemplifies how location can greatly influence car insurance rates in cities within the same state. Less urbanized areas with lower traffic densities could also see even lower insurance rates.