Best Bridgeport, CT Auto Insurance in 2024 (Find the Top 10 Companies Here)

The best Bridgeport, CT auto insurance companies are State Farm, Geico, and Allstate, with monthly premiums beginning at $58. State Farm is our top pick due to its excellent service and competitive pricing.

Connecticut auto insurance requires a base coverage (20/40/10) for all residents. Some of the best Bridgeport, CT car insurance companies offer affordable premiums.

Our Top 10 Company Picks: Best Bridgeport, CT Auto Insurance

Compare cheap auto insurance in Bridgeport, Connecticut, today. Enter your ZIP code in the free online quote tool above to get quotes for affordable car insurance.

#1 – State Farm: Top Overall Pick

Pros

• Strong Local Presence: State Farm has numerous agents available in Bridgeport, making it easy for residents to receive personalized support for the best local auto insurance.
• Competitive Rates for Coverage: Often provides affordable minimum coverage rates, ideal for budget-conscious drivers looking for the best Bridgeport, CT auto insurance.
• User-Friendly App: With its highly rated mobile app, Bridgeport residents can manage their insurance efficiently, from claims to payments.

Cons

• Limited Discount Variety: Has fewer discount options, which may affect affordability for Bridgeport drivers who need the best value.
• Higher Rates for Drivers: Drivers with accidents or violations may find that State Farm’s rates is not competitive. Check our State Farm auto insurance review for details.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – Geico: Best for Competitive Rates

Pros

• Affordable Coverage Levels: Geico is known for most competitive premiums, making it a top choice for affordable Bridgeport, CT auto insurance.
• Extensive Digital Tools: Bridgeport residents can benefit from Geico’s highly-rated mobile app, allowing convenient policy management.
• Diverse Discount Options: With a variety of discounts like bundling, safe driver, and good student discounts, Geico helps Bridgeport drivers reduce costs further.

Cons

• Few Local Agents: Primarily online and phone-based, Geico may not be the best option for Bridgeport drivers seeking in-person interactions.
• Limited Coverage Vehicles: Drivers with luxury or custom vehicles may find fewer specialized options for full coverage. Please review our Geico auto insurance review for details.

#3 – Allstate: Best for Local Agents

Pros

• Strong Local Agent: Allstate’s agents in Bridgeport makes it convenient for drivers wanting face-to-face service for the best Bridgeport, CT auto insurance experience.
• Rewarding Safe Driving: The Allstate Drivewise program can be particularly beneficial for Bridgeport’s safe drivers, adding savings on top of coverage.
• Flexible Coverage Options: Allstate offers a range of coverage options, which helps Bridgeport residents tailor their auto insurance to their specific needs.

Cons

• Higher Base Premiums: Rates can be a bit higher for Bridgeport drivers seeking coverage, which could impact affordability. Refer to our Allstate auto insurance review for details.
• Limited Discounts: Though it offers some savings options, Allstate’s discount selection is not as extensive as other top Bridgeport, CT auto insurance options.

#4 – Progressive: Best for Customizable Options

Pros

• Customizable Options: Progressive’s many add-ons make it easy for Bridgeport residents to customize their coverage for the best Bridgeport, CT auto insurance fit.
• Snapshot Program: Bridgeport drivers with good driving records can take advantage of Progressive’s Snapshot program for additional savings.
• Good Pricing for Drivers: Progressive’s competitive rates can benefit young or first-time drivers in Bridgeport looking for affordable options.

Cons

• Rate Increases with Progressive: Bridgeport drivers may find that premiums can go up over time, even without any claims. Learn more by reviewing our Progressive auto insurance review.
• Inconsistent Customer Service Ratings: Some Bridgeport drivers report mixed experiences with customer service, making it less appealing for those who need reliable support.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#5 – Farmers: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage Options: Farmers is a great choice for Bridgeport residents who want coverage, ideal for securing the best Bridgeport, CT auto insurance.
• Strong Customer Service Reputation: Bridgeport drivers often find that Farmers provides attentive and reliable customer service. For more information, read our Farmers auto insurance review.
• Significant Bundling Policies: Farmers offers discounts on auto insurance when bundled with home or life insurance, a valuable perk for Bridgeport residents.

Cons

• Higher Premiums Policies: For Bridgeport drivers who only need auto insurance without bundling, Farmers can be more expensive than other providers.
• Less Advanced Digital Tools: Mobile app and online tools aren’t as comprehensive as Geico or Progressive, which may be a drawback for tech-savvy Bridgeport residents.

#6 – Liberty Mutual: Best for Unique Benefits

Pros

• Unique Benefits: Provides special discounts for teachers and some other professionals, which can help certain Bridgeport residents save on premiums.
• Strong Discounts: Drivers with newer vehicles can benefit from discounts specific to recently purchased cars. Learn more by reviewing our Liberty Mutual auto insurance review.
• Flexible Deductible Options: Allows Bridgeport drivers to adjust their deductibles, helping manage premium costs according to their budget.

Cons

• Limited Availability: Liberty Mutual doesn’t have as many in-person agents in the area, which may be less convenient for those preferring local service.
• Premiums Increase After Claims: Liberty Mutual’s rates may rise significantly after a claim, making it less appealing for Bridgeport drivers who have had recent incidents.

#7 – Nationwide: Best for Customer Satisfaction

Pros

• Excellent Customer Satisfaction Ratings: Known for high customer satisfaction, Nationwide is ideal for Bridgeport residents prioritizing good service.
• Vanishing Deductible Option: Allows Bridgeport drivers to reduce their deductible over time with safe driving, making long-term coverage more affordable.
• Roadside Assistance: Nationwide often includes roadside assistance, which can be valuable for Bridgeport drivers.

Cons

• Higher Premiums for Drivers: Bridgeport drivers with less-than-perfect records may find rates to be on the higher side. Discover details in our Nationwide auto insurance review.
• Limited Discounts: Nationwide offers fewer discount options than companies like Geico or Progressive, which could reduce savings.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#8 – Travelers: Best for Extensive Coverage

Pros

• Comprehensive Coverage Choices: Travelers offers extensive add-ons, including rental car reimbursement, making it a good fit for Bridgeport drivers needing customized coverage.
• Savings for Hybrid Cars: Travelers provides discounts for eco-friendly vehicles, which is beneficial for environmentally conscious Bridgeport residents.
• Bundling Options: Offers substantial discounts when auto insurance is combined with other types of coverage, like home insurance.

Cons

• Few Local Agents: Travelers has limited physical presence in Bridgeport, which might be a drawback for those preferring in-person service.
• Higher Premiums: Travelers can be pricier for Bridgeport drivers seeking only basic liability coverage. To find out more, please refer to our Travelers auto insurance review.

#9 – The Hartford: Best for Exclusive Benefits

Pros

• Exclusive Benefits: The Hartford partners with AARP to offer unique benefits, which can be a great option for senior Bridgeport residents.
• Good Customer Loyalty Programs: Long-term customers can enjoy perks and discounts, making it ideal for Bridgeport residents looking for stability.
• Disappearing Deductible for Drivers: Encourages safe driving with a deductible that decreases over time, helping Bridgeport drivers save.

Cons

• Not as Competitive Drivers: Rates are generally higher for younger Bridgeport drivers compared to other providers. Read more through our The Hartford auto insurance review.
• Limited Discounts Outside AARP: The Hartford’s discounts are mainly aimed at AARP members, limiting options for non-members.

#10 – Amica: Best for Customer Loyalty

Pros

• Top-Rated Customer Service: Amica consistently ranks high for customer satisfaction, making it ideal for Bridgeport residents seeking reliable service.
• Dividends for Policyholders: Amica offers dividend-paying policies, meaning Bridgeport drivers can receive a portion of their premium back annually.
• Strong Loyalty Benefits: Amica rewards long-term customers with loyalty discounts and perks, which can help reduce costs over time. Check details through our Amica auto insurance review.

Cons

• Higher Premiums: Amica’s standard policies are priced higher, which may not be ideal for Bridgeport drivers on a tight budget.
• Fewer Discounts: Amica’s discounts are limited, especially for young or high-risk Bridgeport drivers compared to companies like Geico or Progressive.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Auto Insurance Coverage Requirements in Connecticut

In some parts of Connecticut, insurance can cost as much as $137 per month for certain motorists, on average. However, living in Bridgeport can give you the option of getting insurance for as little as $79/mo. But remember that liability coverage is extremely limited.

Bridgeport, CT Auto Insurance Monthly Rates by Provider & Coverage Level

Your liability insurance will only pay out claims if you are deemed liable for an accident. If your car is stolen or involved in an accident caused by someone else, your insurance will not pay out any claims.

Auto Insurance Discounts From the Top Providers in Bridgeport, CT

Auto insurance carriers consider various elements when assessing insurance quotes, including your career, ZIP code, marital status, credit score/rating, and business use of the vehicle. In addition, premiums change from company to company.

To verify you’re still paying the most favorable rate, compare the cheapest auto insurance in Bridgeport, Connecticut on our website. Enter your ZIP code now to begin comparing rates.

Major Factors in Cheap Car Insurance in Bridgeport, Connecticut

There is a variety of many things which may factor into the rate quotes you are given. While many of these issues aren’t actually anything you can do something about, a few of them are factors which you can change for the better. Here are some components that might change your car insurance premium:

Your ZIP Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver.

5 Most Common Auto Insurance Claims in Bridgeport, CT

The population of Bridgeport is 147,216 and the median household income is $42,687.

Automotive Accidents

ZIP codes with a high rate of reported accidents tend to have higher insurance rates, on average. In 2013, there were 7 reported accident-related fatalities in Bridgeport, which was a slight rise from the previous year.

Auto Thefts in Bridgeport

Even in small cities or rural towns, auto theft can still be a problem. In order to make it less of a problem for you, think about installing a passive anti-theft system on your car. Your auto insurance company may reward you with lower rates.

In Bridgeport, there were 663 auto thefts in 2013. While this is a significant drop from recent years, you should always consider the benefits of Comprehensive coverage when tailoring an auto policy.

Your Credit Score

It turns out that your credit score is one of the biggest influential factors when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x to 3x higher than someone with better credit.

Your Age

As you can see from the chart below, young teenage drivers get charged significantly higher rates. Their youth, as well as their lack of driving experience, make them much more risky to insure.

Bridgeport, CT Accidents & Claims per Year by City

However, teenage drivers can try to alleviate some of this financial burden by looking into a good student discount, or taking additional driver education courses.

Your Driving Record

A clean driving record will get you the lowest rate, while accidents and tickets will raise your monthly cost. Too many citations, or serious violations such as a DUI, might result in a loss of coverage all together.

Bridgeport, CT Report Card: Auto Insurance Premiums

Be sure to talk to your insurer about accident forgiveness discounts in order to save some money

Your Vehicle

Luxury vehicles will cost more to replace, and also require more coverage, hence the extra expense. Less expensive and fairly common cars, however, typically don’t cost as much to insure.

Minor Factors in Cheap Auto Insurance in Bridgeport, Connecticut

Your Marital Status

For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.

Your Gender

No matter what you may have heard, there is no significant difference in risk between male and female drivers – according to most insurance companies. If your provider charges a different rate at all, it should amount to no more than 2-3%.

Your Driving Distance to Work

Workers in Bridgeport can expect a commute of 25-31 minutes on average. About 60-98% of motorists drive their own car to work, anywhere from 2-20% prefer to carpool.

Your Coverage and Deductibles

Adding lots of coverage options makes sense for a more expensive vehicle. For automobiles of lesser value, however, you can save yourself some money each month by sticking to a more basic insurance policy.

Education in Bridgeport, CT

Given the tough economic times Bridgeport has seen in recent decades, many drivers have either less than a high school diploma or a high school diploma/equivalent. But did you know that going back to school can save you money on your car insurance?

The University of Bridgeport has been around since the late 1920’s and provides students with a variety of professional and liberal arts degrees ranging from the baccalaureate level all the way up to doctorate.

Finding affordable Bridgeport, CT auto insurance coverage can be a hassle. There’s a lot of information you need to consider and, figuring out how Bridgeport, Connecticut auto insurance companies evaluate your potential risk can be complicated.

Bridgeport, CT Report Card: Auto Insurance Discounts

But don’t let the wrong insurance company talk you into purchasing the wrong policy. Enter your ZIP code now to begin comparing rates.