Average car insurance cost in Stamford

The average car insurance rate in Stamford for full coverage is $1,846 per year or $154 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Stamford is $767 per year. The state minimum liability limits are 25/50/25.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$923
Average annual premium$1,846
State minimum premium$767

Cheapest car insurance companies in Stamford

GEICO offers the cheapest rates on average at $1,271 per year. Progressive is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Stamford.

CompanyAverage 6 month rateAverage annual rate
GEICO$636$1,271
Progressive$786$1,573
Kemper$822$1,644
State Farm$904$1,807
Nationwide$928$1,856
Allstate$1,140$2,280
Farmers$1,182$2,364
Amica$1,575$3,150
USAA$334$668

Cheapest car insurance cost in Stamford by age group

Car insurance rates in Stamford vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Stamford by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: GEICO
  • Cheapest for young adults: GEICO
  • Cheapest for adults: GEICO
  • Cheapest for seniors: GEICO

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. GEICO offers the cheapest car insurance for teens at $5,171 per year.

GEICO offers the most affordable auto insurance for young adults at $2,323 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. GEICO provides the lowest car insurance rates at $1,239 per year for adult drivers in Stamford.

GEICO offers the least expensive car insurance for senior drivers in Stamford, at $1,524 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
GEICO$5,171$2,323$1,239$1,524
Progressive$7,244$2,485$1,558$1,658
Kemper$7,527$3,207$1,653$1,753
Nationwide$7,494$3,259$1,818$1,905
State Farm$5,505$3,089$1,824$1,789
Allstate$9,130$3,692$2,372$2,407
Farmers$10,752$4,918$2,425$2,309
Amica$10,278$5,757$3,118$3,291
The Hanover$13,473NANANA
USAA$2,683$1,125$686$773

Cheapest car insurance companies in Stamford by driver profile

Car insurance rates in Stamford vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Stamford by driver profile.

Cheapest for a driver with poor credit: GEICO

GEICO is the most affordable car insurance for drivers with poor credit. On average, drivers in Stamford pay about $1,812 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Stamford.

CompanyAverage 6 month premiumAverage annual premium
GEICO$906$1,812
Progressive$1,149$2,298
Kemper$1,212$2,424
Nationwide$1,408$2,816
Allstate$1,900$3,800
Farmers$2,673$5,345
State Farm$3,626$7,252
Amica$4,973$9,945
USAA$569$1,137

Cheapest auto insurance after an at-fault accident: GEICO

In Stamford, GEICO offers the cheapest car insurance for drivers with at-fault accident at $1,793 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Stamford.

CompanyAverage 6 month premiumAverage annual premium
GEICO$897$1,793
State Farm$970$1,940
Progressive$1,221$2,442
Kemper$1,386$2,772
Nationwide$1,587$3,174
Allstate$2,052$4,104
Amica$2,301$4,601
Farmers$2,670$5,339
USAA$499$997

Cheapest auto insurance after a DUI: Progressive

Progressive offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $1,810 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Stamford.

CompanyAverage 6 month premiumAverage annual premium
Progressive$905$1,810
State Farm$970$1,940
Kemper$1,307$2,614
Allstate$1,646$3,291
Nationwide$2,001$4,002
GEICO$2,165$4,329
Farmers$3,040$6,080
Amica$6,300$12,600
USAA$672$1,343

Cheapest for drivers with a speeding ticket: GEICO

GEICO offers the cheapest car insurance at $1,443 in Stamford for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
GEICO$722$1,443
State Farm$970$1,940
Progressive$981$1,961
Kemper$1,287$2,574
Farmers$1,584$3,167
Nationwide$2,001$4,002
Amica$2,775$5,550
USAA$384$768

Car insurance discounts for Stamford drivers

The biggest car insurance discount available in Stamford is for the years insured category at 39.87%, offered by Travelers.

Car insurance is essential for drivers in Stamford, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Stamford drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$3,0180.03%$1
Air BagsAmica Mutual$2,6420.72%$19
Air BagsGEICO$1,2420.72%$9
Air BagsNationwide$1,5150.92%$14
Anti-Theft DeviceAmica Mutual$2,6420.97%$26
Anti-Theft DeviceGEICO$1,2420.48%$6
Anti-Theft DeviceKemper Insurance$1,6440.18%$3
Anti-Theft DeviceThe Hanover$5,4812.50%$137
Daily CommuteAmica Mutual$2,64212.30%$325
Daily CommuteGEICO$1,2426.61%$82
Daily CommuteTravelers$1,6021.31%$21
Days Advanced PurchaseAllstate$3,01818.59%$561
Days Advanced PurchaseAmica Mutual$2,6421.02%$27
Days Advanced PurchaseKemper Insurance$1,6444.23%$70
Days Advanced PurchaseNationwide$1,5157.26%$110
Days Advanced PurchaseProgressive$1,5842.43%$39
Days Advanced PurchaseThe Hanover$5,4813.92%$215
Days Advanced PurchaseTravelers$1,6029.90%$159
Days Per Week DrivenGEICO$1,2425.88%$73
Days Per Week DrivenTravelers$1,6021.31%$21
EducationGEICO$1,2429.58%$119
EducationProgressive$1,5840.69%$11
Electronic Funds TransferAllstate$3,0184.64%$140
Electronic Funds TransferAmica Mutual$2,6421.85%$49
Electronic Funds TransferKemper Insurance$1,6444.32%$71
Electronic SignatureProgressive$1,5847.70%$122
HomeownerAllstate$3,01815.57%$470
HomeownerAmica Mutual$2,6422.88%$76
HomeownerGEICO$1,2429.58%$119
HomeownerKemper Insurance$1,6442.19%$36
HomeownerProgressive$1,5845.62%$89
HomeownerThe Hanover$5,4815.67%$311
Lower Annual MileageState Farm$1,5819.49%$150
Loyalty - Years Renewal With CompanyAmica Mutual$2,64212.74%$337
Loyalty - Years Renewal With CompanyNationwide$1,5155.08%$77
Loyalty - Years Renewal With CompanyProgressive$1,5840.82%$13
Loyalty - Years Renewal With CompanyState Farm$1,58123.00%$364
Marital StatusAllstate$3,0180.96%$29
Marital StatusKemper Insurance$1,6445.23%$86
Marital StatusNationwide$1,5157.13%$108
Marital StatusProgressive$1,5849.41%$149
Marital StatusThe Hanover$5,4811.95%$107
Marital StatusTravelers$1,6022.06%$33
Multi PolicyAllstate$3,01812.51%$378
Multi PolicyAmica Mutual$2,64213.83%$365
Multi PolicyGEICO$1,24211.70%$145
Multi PolicyKemper Insurance$1,6447.26%$119
Multi PolicyNationwide$1,5156.04%$92
Multi PolicyProgressive$1,5849.63%$153
Multi PolicyState Farm$1,58110.41%$165
Multi PolicyThe Hanover$5,48115.14%$830
Multi PolicyTravelers$1,6025.77%$93
Paperless/Electornic DocumentsAllstate$3,0187.42%$224
Paperless/Electornic DocumentsKemper Insurance$1,6440.18%$3
Paperless/Electornic DocumentsNationwide$1,5153.63%$55
Paperless/Electornic DocumentsProgressive$1,5840.63%$10
Payment TypeAllstate$3,0189.51%$287
Payment TypeAmica Mutual$2,6429.42%$249
Payment TypeKemper Insurance$1,6444.32%$71
Payment TypeThe Hanover$5,4816.84%$375
Payment TypeTravelers$1,6024.68%$75
Primary UseAllstate$3,0188.38%$253
Primary UseAmica Mutual$2,64218.43%$487
Primary UseGEICO$1,24213.21%$164
Primary UseKemper Insurance$1,6447.30%$120
Primary UseNationwide$1,5157.26%$110
Primary UseState Farm$1,58111.57%$183
Primary UseTravelers$1,6026.62%$106
ProfessionGEICO$1,2429.58%$119
ProfessionProgressive$1,5846.50%$103
Purchase StatusAmica Mutual$2,64212.60%$333
Safety DevicesAllstate$3,0180.83%$25
Safety DevicesGEICO$1,2421.85%$23
Safety DevicesProgressive$1,5843.41%$54
TelematicsAllstate$3,0189.31%$281
TelematicsGEICO$1,2429.98%$124
TelematicsNationwide$1,51510.36%$157
TelematicsProgressive$1,5849.66%$153
TelematicsState Farm$1,58114.17%$224
Vehicle OwnershipAmica Mutual$2,64224.68%$652
Years InsuredAllstate$4,71728.84%$1,360
Years InsuredAmica Mutual$8,2938.27%$686
Years InsuredGEICO$1,94021.91%$425
Years InsuredKemper Insurance$1,9647.25%$142
Years InsuredNationwide$3,07337.52%$1,153
Years InsuredProgressive$2,49919.05%$476
Years InsuredTravelers$2,82239.87%$1,125
Years LicensedAmica Mutual$11,46323.13%$2,651
Years LicensedGEICO$2,43715.22%$371
Years LicensedKemper Insurance$2,86631.47%$902
Years LicensedProgressive$3,15617.50%$552
Years LicensedState Farm$1,95316.67%$326
Years LicensedTravelers$3,92424.93%$978

How to get cheap car insurance in Stamford in 2025

Find affordable car insurance in Stamford by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Stamford.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.