Key Points

• Geico and Kemper have the cheapest car insurance in the city according to our sources.

• Muni Insurance on Church St provides the best service in Ellington according to Yelp, Google, and Facebook

Best Car Insurance Brokers and Agencies in Ellington

We compared Yelp, Google, and Facebook to find cheap car insurance in Ellington . According to their reviews, we think they’ll be able to find the best price and offer the best service

Newberry Insurance Group	4.6 / 5	4.9 / 5	4.7 / 5
Jennifer Lamphere – State Farm Insurance	5 / 5	4.9 / 5	4.4 / 5
Evaristo Insurance	5 / 5	4.8 / 5	–

Finding Cheap Car Insurance in Ellington

Finding affordable car insurance in Connecticut can be a daunting task, but with insights from NerdWallet, MoneyGeek, and MarketWatch, you can make an informed decision. This article will guide you through the best options for cheap car insurance in Connecticut, highlighting the top providers, average costs, tips for reducing your premiums, and more.

Top Providers for Cheap Car Insurance in Ellington

Geico

Geico is consistently highlighted as one of the most affordable car insurance providers in Connecticut. Known for its competitive rates and robust customer service, Geico offers a range of discounts that can further reduce your premiums.

• Discounts: Geico offers various discounts, including for safe drivers, good students, and multiple policies.
• Coverage Options: Comprehensive, collision, liability, and more.
• Customer Service: 24/7 customer support with a user-friendly app for managing your policy.

According to MarketWatch, the average annual premium for Geico in Connecticut is around $1,103 for full coverage. This makes Geico one of the most budget-friendly options in the state.

Kemper

Kemper is another top contender for cheap car insurance in Connecticut. With a strong financial stability rating and various discount options, Kemper provides comprehensive coverage at reasonable prices.

• Discounts: Safe driver, multi-policy, and student discounts.
• Coverage Options: Broad range of coverage, including rental and rideshare insurance.
• Customer Support: Local agents available for personalized service and advice.

MoneyGeek reports that the average annual premium for Kemper in Connecticut is approximately $1,193 for full coverage. This slightly higher cost is balanced by excellent customer service and a variety of discount options.

Travelers

Travelers offers standard coverage options along with unique features such as pet injury protection and custom parts coverage. This makes Travelers a great choice for safe drivers looking to save on car insurance.

• Discount Programs: Snapshot program for behavior-based discounts.
• Coverage Options: Customizable policies with unique add-ons like gap insurance.
• Tools and Resources: Online tools to compare rates and manage policies efficiently.

NerdWallet highlights that Travelers’s average annual premium in Connecticut is around $1,229 for full coverage. Safe drivers can benefit significantly from Travelers’s Snapshot program, potentially lowering their premiums even further.

Other Notable Providers

While Geico, Kemper, and Travelers are often highlighted, other providers like Nationwide, USAA (for military members), and Progressive also offer competitive rates and should be considered in your search.

Average Costs of Car Insurance in Ellington

According to NerdWallet, the average annual cost of car insurance in Connecticut is around $1,742. MoneyGeek's analysis suggests that this average can vary significantly based on the provider and individual circumstances, with some drivers paying as little as $948 annually. MarketWatch also highlights that high-risk drivers or those with poor credit may face premiums upwards of $1,727 annually.

Several factors influence car insurance premiums in Connecticut, including:

• Age: Younger drivers typically pay higher premiums due to their lack of driving experience.
• Driving Record: A clean driving record can significantly lower your insurance costs.
• Location: Urban areas tend to have higher premiums due to increased risk of accidents and theft.
• Vehicle Type: The make and model of your car can affect your insurance rates.
• Credit Score: Insurers often consider your credit score when determining your premium.

Cheap Car Insurance Ellington: A Guide To Lowering Your Costs

Coverage Options to Consider

Liability Insurance

Liability insurance is mandatory in Connecticut and covers damages you cause to others in an accident. This includes bodily injury and property damage.

Minimum Requirements in Connecticut

• Bodily Injury Liability: $25,000 per person, $50,000 per accident.
• Property Damage Liability: $25,000 per accident.

Comprehensive and Collision Coverage

Comprehensive and collision coverage are optional but highly recommended. They cover damages to your own vehicle from accidents, theft, vandalism, and natural disasters.

Benefits of Comprehensive and Collision Coverage

• Accident Protection: Covers repairs or replacement of your vehicle.
• Non-Collision Damage: Protects against theft, vandalism, and natural events.
• Peace of Mind: Provides financial security in case of major incidents.

Uninsured/Underinsured Motorist Coverage

This coverage protects you if you're involved in an accident with a driver who has insufficient or no insurance.

Importance of Uninsured/Underinsured Motorist Coverage

• Financial Protection: Covers medical expenses and damages if the other driver is uninsured.
• Legal Requirements: Connecticut law requires a minimum of $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage.

Conclusion

Choosing the right car insurance in Ellington involves comparing quotes from multiple providers and considering factors like coverage options, customer service, and available discounts. Geico, Kemper, and Travelers are among the top providers offering competitive rates. By understanding the average costs and employing strategies to reduce your premiums, you can find affordable car insurance that meets your needs.

How We Rank and Researched

To compile the information for this article we used a team of researchers to assess results based on Yelp, Google, and Facebook and ranked based on the highest ratings and popular local establishments. We also used search engine results to pull and consolidate multiple reviews to ensure we provide an unbiased opinion based on multiple sources