Old Saybrook, CT Auto Insurance (2024)
The average Old Saybrook, CT auto insurance rates are $340 per month. The minimum auto insurance in Old Saybrook is at least 25/50/20 in coverage to comply with Connecticut auto insurance laws. To find the best cheap auto insurance in Old Saybrook, Connecticut, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Old Saybrook, Connecticut is 25/50/20
- The most expensive auto insurance company in Old Saybrook for teen drivers is Liberty Mutual
- The average commute length in Old Saybrook is 18.9 minutes
Old Saybrook, Connecticut auto insurance requirements are 25/50/20 according to Connecticut auto insurance laws. Finding cheap auto insurance in Old Saybrook can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Old Saybrook, Connecticut, including driving record, credit, commute time, and more.
Compare auto insurance in Old Saybrook to other Connecticut cities, including Bridgeport auto insurance rates, Meriden auto insurance rates, and Hartford auto insurance rates to see how Old Saybrook, Connecticut auto insurance rates stack up.
Before you buy Old Saybrook, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Old Saybrook, Connecticut auto insurance quotes.
Minimum Auto Insurance in Old Saybrook, Connecticut
Old Saybrook, Connecticut auto insurance laws require that you have at least the Connecticut minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Old Saybrook, Connecticut.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Cheap Old Saybrook, Connecticut Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Old Saybrook, Connecticut are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,313 | $3,291 | $3,042 | $3,255 | $10,042 | $11,850 | $3,483 | $3,677 |
| Geico | $1,844 | $1,848 | $1,710 | $1,724 | $4,212 | $4,999 | $1,779 | $1,731 |
| Liberty Mutual | $3,225 | $3,508 | $2,487 | $3,062 | $15,957 | $17,988 | $3,265 | $3,563 |
| Nationwide | $2,062 | $2,085 | $1,858 | $1,946 | $5,616 | $7,110 | $2,382 | $2,557 |
| Progressive | $2,234 | $2,087 | $1,908 | $1,984 | $9,249 | $10,246 | $2,556 | $2,862 |
| State Farm | $1,638 | $1,638 | $1,506 | $1,506 | $4,921 | $6,180 | $1,838 | $2,108 |
| Travelers | $1,604 | $1,628 | $1,596 | $1,591 | $12,148 | $19,543 | $1,744 | $1,968 |
| USAA | $1,855 | $1,837 | $1,727 | $1,706 | $5,822 | $6,120 | $2,481 | $2,574 |
Cheap Old Saybrook, Connecticut Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Old Saybrook, Connecticut is a challenge. Take a look at the annual teen auto insurance rates in Old Saybrook, Connecticut.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,042 | $11,850 |
| Geico | $4,212 | $4,999 |
| Liberty Mutual | $15,957 | $17,988 |
| Nationwide | $5,616 | $7,110 |
| Progressive | $9,249 | $10,246 |
| State Farm | $4,921 | $6,180 |
| Travelers | $12,148 | $19,543 |
| USAA | $5,822 | $6,120 |
Cheap Old Saybrook, Connecticut Auto Insurance for Seniors
What are senior auto insurance rates in Old Saybrook, Connecticut? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,042 | $3,255 |
| Geico | $1,710 | $1,724 |
| Liberty Mutual | $2,487 | $3,062 |
| Nationwide | $1,858 | $1,946 |
| Progressive | $1,908 | $1,984 |
| State Farm | $1,506 | $1,506 |
| Travelers | $1,596 | $1,591 |
| USAA | $1,727 | $1,706 |
Cheap Old Saybrook, Connecticut Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Old Saybrook, Connecticut compared to the annual auto insurance rates with a clean record in Old Saybrook, Connecticut.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,474 | $5,504 | $6,524 | $4,474 |
| Geico | $1,574 | $2,059 | $4,360 | $1,931 |
| Liberty Mutual | $5,812 | $7,269 | $7,198 | $6,249 |
| Nationwide | $2,618 | $3,396 | $3,882 | $2,912 |
| Progressive | $3,533 | $5,124 | $3,713 | $4,194 |
| State Farm | $2,485 | $2,727 | $2,727 | $2,727 |
| Travelers | $4,212 | $4,561 | $6,630 | $5,508 |
| USAA | $2,343 | $2,941 | $4,435 | $2,343 |
Cheap Old Saybrook, Connecticut Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Old Saybrook, Connecticut is not easy. Compare the annual rates for DUI auto insurance in Old Saybrook, Connecticut to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,524 |
| Geico | $4,360 |
| Liberty Mutual | $7,198 |
| Nationwide | $3,882 |
| Progressive | $3,713 |
| State Farm | $2,727 |
| Travelers | $6,630 |
| USAA | $4,435 |
Cheap Old Saybrook, Connecticut Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Old Saybrook, Connecticut annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,664 | $5,053 | $4,015 |
| Geico | $3,605 | $2,178 | $1,660 |
| Liberty Mutual | $9,412 | $5,867 | $4,617 |
| Nationwide | $4,229 | $2,850 | $2,527 |
| Progressive | $4,510 | $4,042 | $3,871 |
| State Farm | $3,705 | $2,378 | $1,917 |
| Travelers | $5,934 | $4,946 | $4,803 |
| USAA | $3,987 | $2,690 | $2,369 |
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Cheap Old Saybrook, Connecticut Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Old Saybrook, Connecticut can vary. Compare the annual cost of auto insurance by ZIP code in Old Saybrook, Connecticut to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 6475 | $4,118 |
Cheap Old Saybrook, Connecticut Auto Insurance Rates By Commute
Commute length and annual mileage affect Old Saybrook, Connecticut auto insurance. Find the cheapest annual Old Saybrook, Connecticut auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,244 | $5,244 |
| Geico | $2,444 | $2,518 |
| Liberty Mutual | $6,632 | $6,632 |
| Nationwide | $3,202 | $3,202 |
| Progressive | $4,141 | $4,141 |
| State Farm | $2,602 | $2,732 |
| Travelers | $5,228 | $5,228 |
| USAA | $2,979 | $3,051 |
Cheap Old Saybrook, Connecticut Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Old Saybrook, Connecticut? Check out the comparison of annual Old Saybrook, Connecticut auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,989 | $5,238 | $5,505 |
| Geico | $2,312 | $2,452 | $2,679 |
| Liberty Mutual | $6,372 | $6,581 | $6,943 |
| Nationwide | $3,253 | $3,223 | $3,130 |
| Progressive | $3,874 | $4,107 | $4,442 |
| State Farm | $2,504 | $2,671 | $2,826 |
| Travelers | $4,862 | $5,193 | $5,628 |
| USAA | $2,826 | $3,018 | $3,202 |
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Best By Category: Cheapest Auto Insurance in Old Saybrook, Connecticut
Compare the cheapest auto insurance companies in Old Saybrook, Connecticut in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | State Farm |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
The Cheapest Old Saybrook, Connecticut Auto Insurance Companies
What auto insurance companies in Old Saybrook, Connecticut are the cheapest? Compare the top Old Saybrook, Connecticut auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,244 |
| Geico | $2,481 |
| Liberty Mutual | $6,632 |
| Nationwide | $3,202 |
| Progressive | $4,141 |
| State Farm | $2,667 |
| Travelers | $5,228 |
| USAA | $3,015 |
What affects auto insurance rates in Old Saybrook, Connecticut?
There are a lot of reasons why auto insurance rates in Old Saybrook, Connecticut are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Old Saybrook, Connecticut. Many local factors may affect your Old Saybrook auto insurance rates.
Old Saybrook Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Old Saybrook, Connecticut commute length is 18.9 minutes according to City-Data.
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Compare Old Saybrook, Connecticut Auto Insurance Quotes
Before you buy Old Saybrook, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Old Saybrook, Connecticut auto insurance quotes.
Frequently Asked Questions
What is Old Saybrook auto insurance?
Old Saybrook auto insurance refers to the insurance coverage specifically designed for vehicles registered and driven in the town of Old Saybrook, Connecticut. It provides financial protection in case of accidents, damage to the vehicle, or injuries to individuals involved in a car accident while driving in Old Saybrook.
What are the minimum auto insurance requirements in Old Saybrook, CT?
The minimum auto insurance requirements in Old Saybrook, CT are the same as the state of Connecticut. Drivers are required to have liability coverage with limits of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. Additionally, drivers must have uninsured/underinsured motorist coverage with the same minimum limits.
Can I choose higher coverage limits than the minimum requirement in Old Saybrook?
Yes, you have the option to choose higher coverage limits for your auto insurance in Old Saybrook, CT. While the minimum coverage meets the legal requirements, it may not provide sufficient protection in more serious accidents. It’s advisable to consider higher coverage limits to better safeguard your assets and financial well-being.
What other types of coverage are available in Old Saybrook auto insurance?
In addition to liability coverage and uninsured/underinsured motorist coverage, you can also opt for other types of coverage such as collision coverage, comprehensive coverage, medical payments coverage, and personal injury protection (PIP). These additional coverages can provide added protection for your vehicle, medical expenses, and yourself in different situations.
How can I find affordable auto insurance in Old Saybrook, CT?
To find affordable auto insurance in Old Saybrook, CT, it’s recommended to shop around and compare quotes from different insurance providers. Factors such as your driving record, location, age, and the type of vehicle you drive can impact the cost of insurance. Additionally, you can inquire about available discounts, such as safe driver discounts or multi-policy discounts, to potentially reduce your premiums.
Are there any specific considerations for auto insurance in Old Saybrook?
Old Saybrook is located in Middlesex County, Connecticut, which is known for its coastal areas. It’s important to consider factors like the risk of floods, hurricanes, or other weather-related events when selecting your auto insurance coverage. Additionally, you may want to assess the need for comprehensive coverage to protect against incidents like theft or damage from severe weather.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.