Orlando Harmon
Car insurance rates vary from state to state, and New York and Connecticut are no exceptions. The average cost of car insurance in New York is $1,808 per year, while the average cost of car insurance in Connecticut is $2,034 per year. This means that, on average, car insurance is cheaper in Connecticut than in New York.
What You'll Learn
Cheapest car insurance in New York
The cost of car insurance varies from state to state, and New York is one of the more expensive states for car insurance. The average cost of car insurance in New York is $4,112 for full coverage and $2,221 for minimum coverage, which is 78% more than the national average.
Cheapest Companies in New York
According to MarketWatch, the cheapest car insurance companies in New York are:
- Progressive
- American Family
- USAA
- Travelers
- Geico
NerdWallet also names NYCM as offering the cheapest full coverage in New York, with an average rate of $998 per year.
How to Get Cheaper Car Insurance in New York
- Compare quotes from multiple insurers
- Ask for discounts, such as for low mileage, bundling, or being a student
- Raise your deductible
- Revisit quotes after your driving record improves
- Reconsider the car you drive—newer and more expensive cars tend to cost more to insure
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Cheapest car insurance in Connecticut
The cost of car insurance varies from state to state and depends on a range of factors, including age, location, driving record, and type of vehicle. In Connecticut, the average annual cost of car insurance is $1,551, which is just $22 more than the national average.
Cheapest Car Insurance Companies in Connecticut
According to US News, the cheapest car insurance companies in Connecticut are:
- USAA ($1,304/year)
- Amica
- Nationwide
However, USAA is only available to current and former military members and their families.
According to ValuePenguin, the cheapest car insurance company in Connecticut is State Farm, with an average rate of $121 per month for full coverage and $59 for liability-only.
Cheapest Car Insurance for Young Drivers in Connecticut
State Farm also has the best rates for young drivers in Connecticut, with average rates of $189 per month for minimum liability and $371 for full coverage.
Cheapest Car Insurance After a Speeding Ticket in Connecticut
State Farm also has the best rates for drivers in Connecticut with a speeding ticket, with an average rate of $129 per month.
Cheapest Car Insurance After an Accident in Connecticut
State Farm continues to offer the best rates for drivers in Connecticut who have had an accident, with an average rate of $129 per month for a full-coverage policy.
Cheapest Car Insurance After a DUI in Connecticut
Allstate has the most affordable quotes for drivers in Connecticut with a DUI conviction, with an average rate of $344 per month.
Cheapest Car Insurance for Drivers with Poor Credit in Connecticut
Geico has the best rates for drivers in Connecticut with poor credit, with an average rate of $214 per month for a full-coverage policy.
Cheapest Car Insurance by City in Connecticut
The cost of car insurance in Connecticut also varies by city. The cheapest car insurance is found in Stonington and Pawcatuck, while the most expensive is in New Haven. The average cost of car insurance in Bridgeport is $269 per month, while residents of Conning Towers-Nautilus Park pay an average of $171 per month.
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Average car insurance costs in New York
The average cost of car insurance in New York varies depending on the source of the information and the factors considered. According to MarketWatch, the annual average cost of full-coverage car insurance in New York is $4,112, while the minimum coverage costs $2,221 per year. On the other hand, NerdWallet reports that the average cost of full coverage in New York is $2,025 per year, and CarInsurance.com places the figure at $1,895. These discrepancies may arise from differences in data sources, calculation methods, and the specific factors included in the calculations.
When considering the cost of car insurance in New York, it is essential to understand that rates can vary significantly depending on individual factors such as age, driving record, credit score, and location within the state. For example, NerdWallet notes that rates in New York City tend to be higher than in other parts of the state due to the busy and chaotic nature of the city, which can lead to higher insurance costs.
To find the cheapest car insurance rates in New York, it is recommended to compare quotes from multiple insurers, as rates can vary significantly between companies. Additionally, taking advantage of discounts, such as those offered for bundling policies or having a clean driving record, can help lower the cost of car insurance.
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Average car insurance costs in Connecticut
The average cost of car insurance in Connecticut depends on the type of coverage you opt for. For minimum coverage, the average annual cost of car insurance in Connecticut is $946, while full coverage averages $2,467 per year. The average monthly cost of car insurance in Connecticut is $206 for full coverage and $79 for minimum coverage.
The cost of car insurance in Connecticut is influenced by several factors, including age, gender, driving record, credit score, location, and the type of car.
Connecticut's minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 per accident, $25,000 for property damage, and matching uninsured/underinsured motorist coverage.
The cheapest car insurance in Connecticut is offered by GEICO, with an average rate of $435 per year for minimum coverage.
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How to get cheaper car insurance in New York
- Compare quotes from multiple providers.
- Increase your deductible.
- Drop unnecessary coverage.
- Reduce your coverage limits.
- Take advantage of discounts, such as bundling, safety features, defensive driving courses, student discounts, organizational discounts, and military discounts.
- Opt out of spousal liability coverage if you are single.
- If you have a loan or lease on your vehicle, your financial institution may require you to carry higher coverage limits than the state minimum.
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Frequently asked questions
Auto insurance is cheaper in Connecticut than in New York. The average cost of car insurance in New York is $4,112 for full coverage and $2,221 for minimum coverage. In Connecticut, the average cost of car insurance is $1,895 for full coverage.
The cost of auto insurance is determined by a range of variables, including your age, gender, driving record, location, credit history, marital status, and vehicle type.
To get cheaper auto insurance, you can compare quotes from different providers, increase your deductible, drop unnecessary coverage, and improve your credit score.
The minimum car insurance requirement in New York includes bodily injury liability coverage of $25,000 per person and $50,000 per accident, property damage liability coverage of $10,000 per accident, and personal injury protection coverage of $50,000 per person.
