Best cheap car insurance in Bridgeport for 2021

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When it comes to car insurance, Bridgeport drivers have plenty of options. 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. However, car insurance rates are personalized based on factors like age, credit score and driving record.

Over the last three years, there have been just under 20,000 reported car accidents in Bridgeport, so having auto insurance is extremely valuable. Bankrate’s insurance editorial team did the research to help you find the best car insurance in Bridgeport based on criteria like average price, coverage options and discounts.

Best car insurance companies in Bridgeport

Based on our research, Amica, State Farm, Geico and USAA are among the best car insurance companies in Bridgeport. These four providers stand out for offering below-average rates, great discounts and reliable coverage. They also have above-average overall customer satisfaction scores from J.D. Power.

Insurance company J.D. Power score
(New England region)
Average annual premium for minimum coverage Average annual premium for full coverage
USAA* 887/1,000 $597 $1,561
Geico 841/1,000 $636 $1,524
Amica 867/1,000 $658 $1,806
State Farm 855/1,000 $900 $2,116

*USAA is not eligible for official ranking with J.D. Power due to eligibility restrictions.

USAA

USAA exclusively sells car insurance to military personnel, both active duty and retired, and their spouses and children. Bridgeport drivers who qualify for USAA may be able to take advantage of the company’s great customer service, low rates and good discounts. Some of the savings available through USAA include a claims-free discount, policy bundling discount, low mileage discount and driver training course discount.

Learn more: USAA Insurance review

Geico

Based on our research, Geico has the cheapest full coverage car insurance in Bridgeport. Geico’s average full coverage premium is $1,524 per year, which is $840 cheaper than the citywide average rate. Geico’s car insurance coverage is limited, but it may appeal to drivers who need basic, low-cost coverage. Geico also offers plenty of discounts, with savings for military personnel, federal employees, going on emergency deployment, affinity groups and good students.

Learn more: Geico Insurance review

Amica

In J.D. Power’s 2021 U.S. Auto Insurance Study, Amica ranked first place for overall customer satisfaction in the New England region. Amica is known for having excellent customer service as well as low rates and a number of discounts. Bridgeport drivers might save money on their policy by being a loyal customer, owning a home, bundling their policies, being a good student and being a legacy customer. Amica also offers dividend policies, which allow policyholders to recoup a portion of their annual premium at the end of their policy term.

Learn more: Amica Insurance review

State Farm

State Farm holds more than 16% of the total auto insurance market share in the U.S., making it the largest car insurance company in the country. State Farm has fairly limited coverage options, but the company has a long list of discounts, including several aimed at teen drivers specifically. With State Farm, Bridgeport drivers might get a lower rate by enrolling in one of the company’s safe driver reward programs or taking advantage of traditional discounts like multi-car or multi-policy.

Learn more: State Farm Insurance review

Cheapest car insurance in Bridgeport

The average cost of car insurance in Bridgeport is $2,364 annually for full coverage and $1,084 annually for minimum coverage, which is significantly higher than both the state and national averages. Connecticut drivers as a whole pay an average of $1,845 per year for full coverage and $794 per year for minimum coverage.The national average car insurance policy costs $1,674 for full coverage and $565 for minimum coverage.

However, car insurance companies in Bridgeport charge different rates for coverage. Some providers are less expensive, on average, than others. USAA, Geico, Amica, Nationwide and State Farm sell some of the cheapest car insurance in Bridgeport.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $597 $1,561
Geico $636 $1,524
Amica $658 $1,806
Nationwide $838 $1,664
State Farm $900 $2,116

Keep in mind that each company is unique in more ways than just price. For example, USAA only sells coverage to military personnel. Geico and State Farm offer some of the best discounts, but the endorsement options are limited. Understanding what you are looking for in a car insurance carrier and getting quotes from several providers can be a good way to compare coverages, discounts and third-party rankings.

Bridgeport insurance requirements

Bridgeport drivers who own a car that is registered in the state of Connecticut are legally required to carry at least a minimum amount of car insurance. The minimum coverage requirements in Connecticut include:

  • $25,000 in bodily injury coverage per person
  • $50,000 in bodily injury coverage per accident
  • $25,000 in property damage coverage per accident
  • $25,000 in uninsured motorist bodily injury per person
  • $50,000 in uninsured motorist bodily injury per accident
  • $25,000 in underinsured motorist bodily injury per person
  • $50,000 in underinsured motorist bodily injury per accident

A minimum coverage policy is often the cheapest option available. However, choosing a minimum coverage policy to keep costs low is a financial gamble. In the event of an at-fault accident, you are responsible for the cost of the injuries and property damage that you cause. Higher liability limits provide you with more financial protection and can help you avoid hefty out-of-pocket expenses. Additionally, drivers who lease or finance their vehicle are usually required to have full coverage insurance.

Car insurance discounts in Bridgeport

Most car insurance companies in Connecticut offer discounts to help drivers get a lower premium. Here are some of the most common discounts you might find in Bridgeport:

  • Policy bundling: Drivers who insure their home and vehicle with the same company can usually get a discount on both policies.
  • Good student: High school and college students under the age of 25 who maintain a minimum GPA often qualify for a good student discount.
  • Defensive driver: Some insurance companies offer a discount to drivers who complete an approved defensive driver training course.
  • Pay-in-full: Drivers who can afford to pay their premium in full may get a discounted rate.

When shopping for car insurance companies, looking at the specific discounts that each company offers can help you find ways to save. Keep in mind that some discounts offer greater savings than others and availability can vary.

Frequently asked questions

What is the best car insurance company?

The best car insurance company depends on what you want and need from your provider. For example, the best carrier for low rates might be different from the best provider for customer service. Shopping around and comparing providers using your personal criteria can help you select a company that fits your needs.

How much does car insurance in Bridgeport cost?

In Bridgeport, the average cost of car insurance is $2,364 per year for a full coverage policy and $1,084 per year for a minimum coverage policy. But remember that car insurance rates are personalized. You could pay more or less than average based on factors like your age, ZIP code, credit score, the type of car you drive and your driving history.

Do I need full coverage insurance?

Full coverage is not required to drive legally in Bridgeport, but if you have a loan or lease on your vehicle you probably need a full coverage policy due to your lender’s requirements. Working with a licensed agent can be a great way to determine how much coverage you need. An agent can evaluate your unique circumstances and suggest coverages, coverage levels and endorsements that are appropriate for you.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.