There were 3,433 crashes on Stamford roads in 2020, with ten fatal injuries, according to data from the University of Connecticut. Because of the risk of collision, drivers need a solid auto insurance policy so that they are financially protected if involved in an accident. The average cost of car insurance in Stamford is $843 a year for Connecticut state minimum coverage, and $1,938 a year for full coverage, which includes collision and comprehensive.

Compare rates and save on auto insurance today!

Close X
Advertising Disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon Created with Sketch.

Save on auto insurance with quotes from trusted providers like:


Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?


Safe drivers choose Allstate®

Powered by (NPN: 19966249)
Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

To find the best car insurance in Stamford, Bankrate analyzed rates from Quadrant Information Services to determine the average annual premium that insurers in Stamford charge. We looked at other indications of car insurance company quality as well, including the range of optional coverages offered and the available discounts that can lower premium rates. Our findings indicate the best cheap car insurance in Stamford is offered by Amica, Geico, Nationwide, State Farm and USAA.

Best car insurance companies in Stamford

In doing our research on the best car insurance in Stamford, we noted who offers the cheapest policies in the region, as well as the companies’ J.D. Power Customer Satisfaction Index Ranking for New England, which assesses the companies on the basis of positive customer relations. Additionally, our review takes into account optional coverages that each company offers, as well as its discount list. We also factored in feedback from policyholders regarding the companies’ mobile apps and websites to see how easy it is to do business online.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Amica 863/1,000 $482 $1,526
Geico 841/1,000 $456 $1,088
Nationwide NA $662 $1,346
State Farm 855/1,000 $662 $1,525
USAA 895/1,000* $518 $1,355

*Not officially ranked by J.D. Power due to eligibility restrictions


Amica is in the top spot in the J.D. Power survey for New England, which means its customers are likely to experience prompt, efficient service from the company when filing a claim or managing policy business. The company also has some of the lowest average rates among the companies in our review.

Amica has a good assortment of optional coverages, including accident forgiveness and rental reimbursement, plus a total of 18 listed discounts to reduce the cost of car insurance even further. You may also choose to purchase a policy with a dividend option, which means you will get back up to 20% of your premium cost each year.

Learn more: Amica Insurance review


Geico’s average rates were quite low, with minimum coverage coming in nearly $400 below the Stamford average. Although it does not score quite as high as our other choices with J.D. Power, the 841 out of 1,000 score still puts it above the average for the New England region.

Although Geico offers all the liability insurance types that are required in Connecticut, it has limited optional coverage compared to other providers in the area. These include emergency road service, rental reimbursement and mechanical breakdown. However, Geico does stand out in the number of discounts it offers and the amount of potential savings they may net policyholders; some of the discounts can save you more than 20% off your premium.

Learn more: Geico Insurance review


Nationwide’s rates are well below Stamford averages, and although it does not rank in J.D. Power’s regional study, it does score well on the national list for offering good customer service, receiving 886 out of 1,000 points in the 2020 Overall Property Claims Satisfaction Study.

Nationwide has optional coverages that might help you save money in the long term, including accident forgiveness and a total loss deductible waiver. You can also take advantage of a vanishing deductible, which takes $100 off your deductible amount for every year you don’t file a claim, up to $500. The company’s SmartRide program also rewards good driving skills, saving you up to 25% off your premium.

Learn more: Nationwide Insurance review

State Farm

The largest car insurance company in the U.S. by market share, and holding the second spot on J.D. Power’s listing. State Farm may be a popular company to consider for Stamford drivers. It has a sleek, user-friendly website that features an informational blog and all the tools you need to manage your policy online.

Although State Farm’s average annual rates for Stamford drivers were higher than some of our other reviewed companies, quoted premiums are still less than the regional average. Plus, State Farm offers numerous discounts that can help bring your rate down and save you money on your car insurance.

Learn more: State Farm Insurance review


Although USAA scores very highly with J.D. Power for customer satisfaction, the insurer is not eligible for an official rank because it has limited availability: it only sells policies to members of the military, veterans and their families. If you fit in one of these groups, however, USAA may be worth considering in your search for the best insurance companies in Stamford.

USAA’s rates are, on average, in line with other companies offering the cheapest car insurance in Stamford in our review. This insurer also offers a handful of discounts, including some that are specific to military lifestyle needs. For example, you can save 15% on your comprehensive coverage by garaging your vehicle on base. If you are deployed, place your car in storage and save up to 60% on your premium.

Learn more: USAA Insurance review

Cheapest car insurance in Stamford

Not surprisingly, since availability (by market share) and price are big factors on both lists, our top companies offering the cheapest car insurance overlaps our list of the best car insurance companies in Stamford. Providers reviewed as cheapest feature average rates that are lower than the averages for the region, which are $843 for minimum and $1,938 for full coverage.

Stamform’s average is slightly higher than the average for Connecticut as a whole, which is $1,845 for full coverage, and is also higher than the national average of $1,674. Since premiums are unique to each individual situation, however, you may be able to find a lower rate than what is provided below.

If cost is your primary consideration, it is generally recommended to ask for quotes from multiple providers, as discounts and your specific circumstances will result in varied rates. Based on quoted annual premiums, Bankrate found Geico, Amica and USAA to be the cheapest for minimum coverage. For more robust coverage, full coverage rates were lowest for Geico, Nationwide, and USAA.

These premiums reflect 12 months of coverage. While these rates may be useful for demonstrating variance among providers, your rates will differ based on your unique circumstances.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $456 $1,088
Amica $482 $1,526
USAA $518 $1,355
State Farm $662 $1,525
Nationwide $662 $1,346

Stamford insurance requirements

Like almost every state in the U.S., Connecticut has laws indicating how much car insurance is required for drivers to legally operate a vehicle. Those legal minimums for the state are often written 25/50/25. Here is what that means:

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

If you have a leased car or a car loan, your lender will probably also require you to carry collision and comprehensive insurance.

It is worth noting that the legal limits are set low, and if you can afford it, most licensed agents recommend you purchase additional liability coverage, along with optional coverages such as uninsured motorist insurance, as the cost of a collision can quickly exceed minimum limits. Speak with a licensed agent to determine what limits would be right for your financial priorities.

Car insurance discounts in Stamford

For drivers looking for the best cheap car insurance in Stamford, discounts can be very helpful. Almost all insurers offer at least a few, and many of them are easy to qualify for. Here are a few that are common from insurance companies in Stamford.

  • Bundling: Purchasing all your insurance (auto and homeowners or renters, for example) from the same company to save on both policies.
  • Good driver: discounts are commonly available for practicing safe driving habits and going claims-free for an extended period of time.
  • Electronic billing: paying online, paying in full and electronic document delivery may all earn you savings with companies that reward drivers for going green.
  • Usage-based: Insurers may allow you to use telematics apps to monitor your driving in real time. If your tracking indicates you practice good driving habits, quite a bit on your premium with participating insurers.
  • Safety features: common vehicle safety features such as anti-lock brakes, airbags and daytime running lights may earn you a discount with some companies.

Frequently asked questions

What is the best car insurance company?

The best car insurance company varies for each driver, but Amica, Geico, Nationwide, State Farm and USAA were among the providers included in Bankrate’s 2021 review for Connecticut. To find the best car insurance company for you, the recommended strategy is to compare quotes and coverage from a few providers.

How much does car insurance in Stamford cost?

The average cost of car insurance in Stamford is $843 a year for minimum and $1,938 a year for full coverage. Your own cost is based on a number of factors, including your age, gender and marital status, as well as the details related to your car — so you may be able to find a cheaper price just by shopping around.

How much car insurance do I need in Stamford?

The minimum required by the state of Connecticut is 25/50/25 in liability coverage. If you are able to afford it, experts recommend you purchase higher rates of liability, so that you have robust coverage that will be there even in the event of a serious accident with multiple injuries.


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.