Danbury Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Connecticut has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Danbury typically pay around $156.49 per month compared to the national average of $146.44 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Danbury, CT Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Danbury coming in around $113.88 per month. Other companies to consider if you live in Danbury is USAA with an average cost of $120.62 per month and Utica National Ins Group which typically runs around $126.20 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Danbury.

How Much is Car Insurance in Danbury, CT?

Rates can vary from city to city. The residents of Bridgeport typically pay $209.14 per month while people who live in Danbury will pay $156.38 per month on average. See what people pay for car insurance in other cities in Connecticut.

Cheap Car Insurance in Danbury by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Connecticut. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Danbury

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $283.94 per month in Danbury. Compare that to drivers in their 30’s who typically pay around $123.42 per month drivers in their 40s at $113.75 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Danbury

If you are teen in Danbury you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $209.61 per month. This is likely the most affordable option in Danbury. You might also want to consider State Farm and Nationwide who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Danbury

20 year-olds in Danbury might want to consider State Farm who, on average, offers car insurance rates around $145.05 per month. Utica National Ins Group , USAA , Electric and Liberty Mutual are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Danbury

If you are in your 30s in Danbury our research has found that State Farm typically has the most affordable coverage coming in around $88.37 per month, followed by Travelers at $96.30 and USAA at $98.34.

Cheapest Insurance for 40 Year-olds in Danbury

On average, State Farm offers car insurance for 40 year-olds in Danbury for around $91.44 per month. If you are looking for affordable coverage, you may also want to consider USAA or Travelers. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Danbury

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Danbury we found that State Farm generally offers the most affordable coverage at $89.63 per month.

Cheapest Insurance for 60 Year-olds in Danbury

If you live in Danbury and you’re in your 60s, our data indicates that Liberty Mutual usually has the best rates at $78.52 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Danbury, CT

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Danbury, the average monthly rate for a driver who is currently insured is $150.66 while drivers who are not currently covered will pay around $167.01.

Compare Recent Car Insurance Quotes in Danbury

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Danbury a driver of a 2023 Kia Sportage can expect to pay around $270.50 per month while someone that owns a 2013 Mini Cooper may pay around $76.42 per month. Check out the list of recent quotes in Danbury below.

FAQ's for Drivers in Danbury, CT

What Is the Minimum Liability Coverage Requirement in Danbury, CT?

By law, all Connecticut drivers must carry coverage of at least $20,000 bodily injury per person, $40,000 bodily injury per accident, and $10,000 property damage liability per accident. Uninsured and underinsured motorist coverage, which protects you if you’re in an accident with a driver who has too little or no coverage, is also required in the state; the uninsured/underinsured motorist coverage minimum limits are $20,000 bodily injury per person and $40,000 bodily injury per accident.

Since 1994, Connecticut has used an at-fault system. This means that someone involved in an accident may seek compensation from the driver determined to have caused the incident. They may also file a personal injury lawsuit against the at-fault motorist without the sort of restrictions applied to litigation rights in no-fault states.

• $20,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
• $40,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
• $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

If you’re a gambler at heart, you might stick with the minimum coverage limits required by Connecticut state law. That’s one way to keep your premium down. But there are lots of accident situations in which you’ll find minimum coverage to be inadequate, and you could end up on the hook for significant out-of-pocket expenses. Picking up optional coverages is a smart way to ensure your insurance will really come through for you if you need it.

What Is the Blood Alcohol Concentration (BAC) limit in Danbury, CT?

It’s against the law to drive in Connecticut at the following BAC percentages:

• .08%+ at 21 years old or older
• .04%+ for commercial vehicle drivers
• .02%+ at under 21 years old

In Connecticut, you can be convicted of an OUI (operating under the influence) offense even without direct evidence of you BAC. If your ability to drive is deemed to be impaired, that’s all that’s required for a conviction. OUI applies not only to alcohol, but also to any recreational drug or other substance abused for its ability to intoxicate, prescription or over-the-counter medication, or supplement that impairs the driver’s physical, mental, or emotional state.

Is my credit score a factor when obtaining car insurance in Connecticut?

It is. While your neighbors to the north in Massachusetts are some of the very few Americans protected against this practice, most carriers in Connecticut do use your credit report to determine your “insurance score.” This is a calculation made using a variety of factors, including your credit score, to estimate your likelihood of getting into an accident and filing a claim.

Check Out Other Rates in Danbury, CT Nearby Cities: