Bridgeport residents have many options when it comes to car insurance. The average cost of car insurance in Bridgeport, CT is $2,364 per year for a full coverage policy and $1,084 per year for a minimum coverage policy. Car insurance rates can be personalized depending on driving records, credit score, age and credit score.
Over the last three years, there have been just under 20,000 reported car accidents in Bridgeport, so having auto insurance is extremely valuable. The Bridgeport insurance editorial team at Bankrate did extensive research and found the best car insurance based on factors like price, coverage options, discounts and average.
Bridgeport’s best car insurance companies
Our research shows that Amica, State Farm Geico, Geico, and USAA are the top-rated car insurance companies in Bridgeport. These four providers are distinguished by offering lower-than-average rates, great discounts, and reliable coverage. J.D. also rates them above-average in customer satisfaction. Power.
USAA
USAA sells only car insurance to military personnel (retired and active duty), their spouses, and children. Bridgeport residents who are eligible for USAA may be eligible to benefit from the company’s excellent customer service, low rates, and great discounts. USAA offers discounts such as a claim-free discount, policy bundle discount, low mileage discount, and driver training course discount.
Geico
Based on our research, Geico has the cheapest full coverage car insurance in Bridgeport. Geico’s annual average premium for full coverage is $1,524, which is $840 less than the average rate in the entire city. Geico’s coverage for car insurance is very limited. However, it might appeal to drivers who only need low-cost, basic coverage. Geico offers many discounts including savings for military personnel, federal workers, those who are going on an emergency deployment, good students, and affinity groups.
Amica
J.D. Power’s 2021 U.S. Auto Insurance Study, Amica ranked first for overall customer satisfaction in the New England region. In J.D. Power’s 2021 U.S. Auto Insurance Study Amica ranked first for overall customer satisfaction in New England. Amica is well-known for its excellent customer service, low rates, and many discounts. Bridgeport residents can save money by being loyal customers, owning a house, bundling their insurance policies, being a good student, and being a legacy customer. Amica also offers dividend plans, which allow policyholders the opportunity to recover a portion their annual premium at their policy’s end.
State Farm
State Farm is the largest car insurance company in America, with more than 16% of total U.S. auto insurance market share. Although State Farm offers limited coverage, the company offers a wide range of discounts, many of which are targeted at teens. Bridgeport drivers may be eligible for a lower rate if they enroll in the safe driver reward program or take advantage of traditional discounts such as multi-car and multi-policy.
Bridgeport has the lowest car insurance
Bridgeport’s average car insurance cost is $2,364 per year for full coverage and $1.084 for minimum coverage. This is significantly more than the national and state averages. Connecticut motorists pay $1,845 annually for full coverage, $794 annually for minimum coverage, and $1,674 per year for minimal coverage.
Car insurance companies in Bridgeport have different rates. On average, some providers are more expensive than others. USAA, Geico, Amica, Nationwide and State Farm sell some of the cheapest car insurance in Bridgeport.
Be aware that every company is different beyond the price. USAA, for example, only offers coverage to military personnel. Geico and State Farm offer the best discounts but have limited endorsement options. It is important to understand what you want in an auto insurance provider. Getting quotes from multiple providers can help you compare coverages, discounts, and third-party rankings.
Bridgeport insurance requirements
Bridgeport residents who have a car registered in Connecticut must carry minimum coverage. The minimum coverage requirements in Connecticut include:
- $25,000 bodily injury coverage per individual
- $50,000 per accident bodily injury coverage
- $25,000 in property damage coverage per accident
- $25,000 per person in uninsured motorist bodily Injury
- $50,000 for uninsured motorist bodily injuries per accident
- $25,000 per person for bodily injury to an underinsured motorist
- $50,000 for bodily injury to an underinsured motorist per accident
A minimum coverage policy is usually the most affordable. To keep costs down, choosing a minimum coverage policy is a risky financial decision. You are responsible for any injuries or property damage you cause in the event of an accident at fault. You can get more financial protection with higher liability limits. This will help you avoid large out-of-pocket costs. Additionally, drivers who lease or finance their vehicle are usually required to have full coverage insurance.
Bridgeport car insurance discounts
Most car insurance companies in Connecticut offer discounts to help drivers get a lower premium. These are the most popular discounts that you may find in Bridgeport
- Policy bundling:Drivers who have their vehicle and home insured with the same company usually receive a discount.
- Excellent studentStudents in high school or college under 25 years old who maintain a minimum GPA are often eligible for a good student discount.
- Defensive driver:Drivers who successfully complete a defensive driving course may be eligible for a discount from some insurance companies.
- You can pay-in-fullDrivers who are able to afford their premium in full might be eligible for a reduced rate.
You can save money by looking at the discounts offered by each company when you shop for car insurance. You should keep in mind that not all discounts are equal and the availability of certain discounts may vary.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company depends on what you want and need from your provider. The best customer service provider might not be the best, but the lowest rate carrier may be the best. You can compare providers and shop around to find the best company for you by putting your own criteria into consideration.
What is the cost of car insurance in Bridgeport?
Bridgeport’s average car insurance cost is $2,364 per annum for a full coverage policy, and $1,084 for a minimal coverage policy. Remember that car insurance rates can vary depending on your individual needs. Based on factors such as your age, zip code, credit score and the type of car that you drive, your driving record, and other factors, your insurance rates could be higher or lower than average.
What is the best type of insurance for me?
Bridgeport does not require full coverage to drive legally. However, if you have a loan on your vehicle or lease it, you will need to have full coverage to meet the lender’s requirements. Working with a licensed agent can be a great way to determine how much coverage you need. An agent can assess your individual circumstances and recommend coverages, coverage levels, and endorsements that will be most appropriate.