Best Stamford, CT Car Insurance in 2026
Car insurance in Stamford, CT averages $405 a month. Stamford, Connecticut car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Stamford car insurance rates, compare quotes from the top car insurance companies in Stamford, CT.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated January 2026
- The cheapest ZIP code in Stamford is 6901
- The cheapest car insurance company in Stamford is State Farm
- The cheapest car insurance company in Stamford for teen drivers is Geico
If you need to buy Stamford, Connecticut car insurance, the options can be confusing. Everything you need to know about car insurance in Stamford, CT is right here.
You’ll find Stamford car insurance rates, the cheapest Stamford, CT car insurance companies, and information on Connecticut car insurance laws. You can also compare Stamford, Connecticut car insurance rates to New Haven car insurance rates, Hartford car insurance rates, and New Britain car insurance rates.
Ready to find affordable Stamford, CT car insurance today? Enter your ZIP code for fast, free Stamford car insurance quotes.
Cheapest Stamford, CT Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Stamford, CT car insurance rates? Every Stamford, Connecticut car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,741 | $3,696 | $3,448 | $3,694 | $11,532 | $13,633 | $3,908 | $4,101 |
| Geico | $2,435 | $2,442 | $2,258 | $2,276 | $5,745 | $6,795 | $2,351 | $2,279 |
| Liberty Mutual | $3,765 | $4,095 | $2,892 | $3,571 | $18,988 | $21,403 | $3,812 | $4,158 |
| Nationwide | $2,505 | $2,535 | $2,248 | $2,360 | $6,999 | $8,883 | $2,910 | $3,130 |
| Progressive | $2,472 | $2,303 | $2,112 | $2,194 | $10,345 | $11,466 | $2,825 | $3,167 |
| State Farm | $1,904 | $1,904 | $1,755 | $1,755 | $5,835 | $7,351 | $2,144 | $2,456 |
| Travelers | $2,019 | $2,048 | $2,018 | $2,008 | $15,627 | $25,052 | $2,204 | $2,490 |
| USAA | $2,048 | $2,028 | $1,908 | $1,885 | $6,457 | $6,783 | $2,745 | $2,847 |
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Minimum Car Insurance in Stamford, CT
Every driver must carry the minimum car insurance in Stamford, CT. Take a look at the Connecticut car insurance requirements.
| 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 Stamford, CT Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Stamford, CT. Compare credit history car insurance rates in Stamford from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,591 | $5,752 | $4,565 |
| Geico | $4,835 | $2,915 | $2,218 |
| Liberty Mutual | $11,127 | $6,933 | $5,447 |
| Nationwide | $5,248 | $3,499 | $3,091 |
| Progressive | $5,015 | $4,503 | $4,314 |
| State Farm | $4,372 | $2,795 | $2,247 |
| Travelers | $7,590 | $6,322 | $6,138 |
| USAA | $4,416 | $2,977 | $2,620 |
Cheapest Stamford, 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 Stamford, CT to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,071 | $6,279 | $7,455 | $5,071 |
| Geico | $2,093 | $2,749 | $5,879 | $2,569 |
| Liberty Mutual | $6,859 | $8,593 | $8,513 | $7,378 |
| Nationwide | $3,209 | $4,191 | $4,804 | $3,581 |
| Progressive | $3,934 | $5,711 | $4,137 | $4,659 |
| State Farm | $2,919 | $3,211 | $3,211 | $3,211 |
| Travelers | $5,371 | $5,820 | $8,497 | $7,046 |
| USAA | $2,590 | $3,253 | $4,919 | $2,590 |
Cheapest Stamford, CT Car Insurance for Teen Drivers
Teen car insurance in Stamford, CT can be expensive. Take a look at rates from the top car insurance companies in Stamford for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,532 | $13,633 |
| Geico | $5,745 | $6,795 |
| Liberty Mutual | $18,988 | $21,403 |
| Nationwide | $6,999 | $8,883 |
| Progressive | $10,345 | $11,466 |
| State Farm | $5,835 | $7,351 |
| Travelers | $15,627 | $25,052 |
| USAA | $6,457 | $6,783 |
Cheapest Stamford, CT Car Insurance for Seniors
Take a look at Stamford, CT senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,448 | $3,694 |
| Geico | $2,258 | $2,276 |
| Liberty Mutual | $2,892 | $3,571 |
| Nationwide | $2,248 | $2,360 |
| Progressive | $2,112 | $2,194 |
| State Farm | $1,755 | $1,755 |
| Travelers | $2,018 | $2,008 |
| USAA | $1,908 | $1,885 |
Cheapest Stamford, CT Car Insurance Rates After a DUI
A DUI in Stamford, CT increases car insurance rates. Compare Stamford, Connecticut DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,455 |
| Geico | $5,879 |
| Liberty Mutual | $8,513 |
| Nationwide | $4,804 |
| Progressive | $4,137 |
| State Farm | $3,211 |
| Travelers | $8,497 |
| USAA | $4,919 |
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Cheapest Stamford, CT Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Stamford, CT by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,969 | $5,969 |
| Geico | $3,271 | $3,374 |
| Liberty Mutual | $7,836 | $7,836 |
| Nationwide | $3,946 | $3,946 |
| Progressive | $4,610 | $4,610 |
| State Farm | $3,059 | $3,217 |
| Travelers | $6,683 | $6,683 |
| USAA | $3,298 | $3,378 |
Cheapest Stamford, CT Car Insurance Rates by ZIP Code
Stamford car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Stamford, CT.
| ZIP Code | Average Annual Rates |
|---|---|
| 6901 | $4,900 |
| 6902 | $4,900 |
| 6903 | $4,901 |
| 6905 | $4,901 |
| 6906 | $4,901 |
| 6907 | $4,901 |
| 6910 | $4,949 |
The Best Cheap Car Insurance Companies in Stamford, CT
Take a look at a side-by-side comparison of the top car insurance companies in Stamford, CT to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,969 |
| Geico | $3,323 |
| Liberty Mutual | $7,836 |
| Nationwide | $3,946 |
| Progressive | $4,610 |
| State Farm | $3,138 |
| Travelers | $6,683 |
| USAA | $3,338 |
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Category Winners: Cheapest Car Insurance in Stamford, Connecticut
Find the cheapest car insurance companies in Stamford, CT for each category right here.
| 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 |
Cheapest Stamford, CT Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Stamford car insurance rates. Find the cheapest Stamford, CT car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,632 | $5,962 | $6,314 |
| Geico | $3,078 | $3,285 | $3,605 |
| Liberty Mutual | $7,533 | $7,778 | $8,196 |
| Nationwide | $4,041 | $3,973 | $3,824 |
| Progressive | $4,293 | $4,570 | $4,969 |
| State Farm | $2,932 | $3,144 | $3,338 |
| Travelers | $6,239 | $6,641 | $7,170 |
| USAA | $3,129 | $3,341 | $3,543 |
What affects car insurance rates in Stamford, Connecticut?
What factors can have an impact on Stamford, CT car insurance? There are several reasons why Stamford car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Stamford, Connecticut.
Commute Time in Stamford
The more time you spend in your car the higher the risk of an accident. The average commute length in Stamford, CT is 28.2 minutes according to City-Data.
Traffic in Stamford
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Stamford, CT traffic data from INRIX ranks Stamford as the 68th-most congested in the world.
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Compare Car Insurance Quotes in Stamford, CT
Ready to find affordable Stamford, Connecticut car insurance today? Enter your ZIP code for fast, free Stamford, CT car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Stamford, CT?
To compare car insurance rates in Stamford, CT, you have several options. You can reach out to individual insurance companies directly and request quotes. Another option is to use online comparison tools that provide multiple quotes from different insurers. These tools typically require you to provide some personal information and details about your vehicle and driving history to generate accurate quotes.
What factors affect car insurance rates in Stamford, CT?
Car insurance rates in Stamford, CT, are influenced by various factors. Common factors include your driving record, age, gender, marital status, type of vehicle you drive, your credit history, and the coverage options you choose. Additionally, factors such as the location where you live in Stamford, CT, and the frequency of car thefts and accidents in that area can impact insurance rates.
Are car insurance rates higher in Stamford, CT, compared to other areas?
Car insurance rates can vary depending on the location, and Stamford, CT, may have different rates compared to other areas. Insurance companies consider factors like population density, crime rates, and accident statistics when determining rates for a specific area. It’s recommended to compare rates from multiple insurers to get a better understanding of how Stamford, CT, compares to other areas.
Are there any discounts available for car insurance in Stamford, CT?
Yes, many insurance companies offer various discounts that can help you save on car insurance in Stamford, CT. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), good student discounts, low-mileage discounts, and discounts for having safety features installed in your vehicle. It’s worth checking with insurance providers to see which discounts you may qualify for.
How can I lower my car insurance rates in Stamford, CT?
There are several strategies you can consider to lower your car insurance rates in Stamford, CT. Maintaining a clean driving record, bundling multiple policies with the same insurer, opting for higher deductibles, and taking advantage of available discounts are some effective methods. You may also want to periodically compare quotes from different insurance companies to ensure you’re getting the best rate.
Is it necessary to have full coverage car insurance in Stamford, CT?
Full coverage car insurance is not legally required in Stamford, CT. However, if you have a loan or lease on your vehicle, your lender or leasing company may require you to have comprehensive and collision coverage. Even if it’s not mandatory, having full coverage can provide added protection for your vehicle in case of accidents, theft, or other covered events. It’s important to evaluate your personal circumstances and financial situation when deciding on the level of coverage you need.
What should I do if I can’t afford car insurance in Stamford, CT?
If you’re struggling to afford car insurance in Stamford, CT, there are a few options you can explore. First, consider adjusting your coverage limits or deductibles to lower your premium. You can also shop around and compare quotes from multiple insurers to find more affordable options. Additionally, some states offer low-cost or subsidized insurance programs for individuals with limited incomes. Contact your state’s insurance department or a local insurance agent to inquire about such programs.
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