New Britain Auto Insurance Rates, Quotes, Agents & Reviews in CT

New Britain, CT Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in New Britain, CT, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Car Owners can Save Up to $852 on Multi-Car Insurance in New Britain, CT.

The average cost of auto insurance in New Britain, CT, is $1,521. This is lower than auto insurance in neighboring places such as Berlin, Wethersfield, Kensington, Farmington, and Newington. Car owners can save more by comparing multiple car insurance quotes from different car insurance companies. The cost of car insurance can vary from one neighborhood to another, depending on the rate of auto thefts in that area. The cost of auto insurance also depends on the rate of deductibles, driving record, and make and model of the car. Below are some of the discounts auto owners can avail of in New Britain.

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Bundling:

Bundling is a standard method of availing discounts. If a customer purchases multiple policies (life, car, home) from the same insurer, they become eligible for discounts. State Farm offers a 17% discount on multiple policies, while Progressive offers an average discount of 5%. Discounts are also offered if one covers multiple vehicles under the same insurer. GEICO, for instance, offers multi-vehicle discounts of up to 25%.

Progressive offers a 10% discount if you are a homeowner. However, to avail of this offer, it is not mandatory to have insured one’s home through Progressive’s network of home insurers.

Driving Record:

Most car insurance companies offer substantial discounts to drivers who have a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

Progressive’s SNAPSHOT program offers a significant discount for good drivers. It places its average rate of discount at $145. The DriveSense Discount Program by Esurance is another option for car owners looking for discounts. 

Anti-theft Discounts:

Car insurers across Connecticut offer discounts to drivers that install anti-theft devices. GEICO offers a discount of up to 25% on installing approved anti-theft devices or alarms. Progressive, too, offers discounts of up to 25% on anti-theft devices and alarms. 

Hybrid and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are more environmentally friendly thanks to lower emission rates. In a few states, Farmers also offers a 5% discount to encourage environmentally prudent drivers.  

Multi-car Insurance Policy:

Drivers who own multiple cars can make use of this policy by insuring all their vehicles under the same auto insurance company. Insurance companies offer attractive discounts for bundling as well. Car owners can save more by purchasing their life, auto, and home insurance from the same insurance company. In New Britain, the cost of insuring two cars under a multi-car insurance policy is $2,616, while the cost of insuring four cars is $5,232. The amount of savings via a multi-car insurance policy depends on the number of vehicles and the make and model of the car.

Other than these significant factors, insurance companies across the board offer discounts to loyal customers. Signing paperwork online and reducing paperwork also makes some car owners eligible for discounts. It is clear from the above analysis by Zimlon that an estimation of discounts available to different car owners depends on numerous factors.

Factors that can influence the cost of car insurance in New Britain, CT are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


New Britain, CT Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in New Britain, CT with that of other cities in and around New Britain.

New Britain Berlin Wethersfield Kensington Farmington Newington
Average Insurance Rates $1,521 $1,594 $1,577 $1,581 $1,622 $1,564

New Britain, CT Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around New Britain, CT based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
New Britain $1,695 $1,432
Newington $1,623 $1,371
Kensington $1,488 $1,257
Plainville $1,557 $1,315
Farmington $1,726 $1,458
Berlin $1,885 $1,592
Wethersfield $1,715 $1,449
West Hartford $1,904 $1,609

New Britain, CT Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in New Britain, CT usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,935
20 Years $1,954
30 Years $1,505
40 Years $1,448
50 Years $1,341
60 Years $1,360
70 Years $1,583

New Britain, CT Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in New Britain, CT can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,616 $426
3 Vehicles $3,924 $639
4 Vehicles $5,232 $852

Savings on 2 Vehicles bundle:$426

Savings on 3 Vehicles bundle:$639

Savings on 4 Vehicles bundle:$852


New Britain, CT Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around New Britain, CT.

Location Average Insurance Cost Post DUI Insurance Rate
New Britain $1,521 $2,864
Newington $1,564 $2,945
Kensington $1,581 $2,977
Plainville $1,550 $2,919
Farmington $1,622 $3,054
Berlin $1,594 $3,001
Wethersfield $1,577 $2,969
West Hartford $1,621 $3,052

New Britain, CT Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,305
Excellent (740-799) $1,490
Good (670-739) $1,585
Average (580-669) $2,068
Poor (300-579) $2,481

New Britain, CT Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Melvin Banks State Farm 104 Connecticut Blvd, East Hartford, 06108-3013 860-289-1141
Connecticut Ins Exchange Of Southington Llc Travelers 1133 MERIDEN WATERBURY TNPKE, PLANTSVILLE, 6479 860-276-1255
Raymond Peterson Allstate 918 Farmington Ave, Bristol, 6010 (860) 582-6029
Corporate Risk Solutions Inc Liberty Mutual Independent 98 CENTER ST, SOUTHINGTON, 6489 860-426-1080
Charles G Marcus Agency Inc Liberty Mutual Independent 842 Silas Deane Highway, Wethersfield, 6109 None
Norcom Insurance Liberty Mutual Independent 38 Security Drive , Avon, 6001 None
Brown & Brown Of Ct Inc Liberty Mutual Independent 55 CAPITAL BLVD STE 102, ROCKY HILL, 6067 860-667-9000
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The Siegel Agency, Inc. None 54 Main Street, Danbury, 6810 None

New Britain, CT Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$67 $1,588
Driver's Failure In Showing Documents +$148 $1,669
Driving With An Expired Registration +$157 $1,678
Driving At A Considerably Slow Pace +$330 $1,851
Using A Cellphone While Driving +$348 $1,869
Running A Red Light +$354 $1,875
Speeding +$373 $1,894
Driving A Vehicle Without The Required Permission +$473 $1,994
Driving With An Expired/Suspended License +$1,025 $2,546

New Britain, CT Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,460
Active Disabling Device $1,460
Tracking Device $1,430
Passive Disabling Device $1,415

Latest Auto Insurance Reviews in New Britain, CT | Back to Top

State Farm
I love the little extras on my car insurance, like the towing for less than $1 a month. They have valuable additions to the state minimums that I'm glad are there so I can get exactly want I want.
Progressive
Progressive was the cheapest auto insurance premium and deductible i could get for the amount of damage and other insurance rates covered in the event of an accident
Farmer's Insurance
it is good when comparing middle class family vehicles like honda and toyota. simply it is good.
Travelers
We utilized an insurance broker, so the customer service on behalf of Travelers has been amazing. We have not filed any claims, so we are still unsure how that customer service will be at the time.
State Farm
We are able to have a life and dismemberment insurance attached to our car insurance as well as an option in case we lose our main source of income and cannot pay our bills.
Farmer's Insurance
The premium is cheaper and the deductible is less than other companies with the same coverage.
Allstate
I feel that the premium and deductible are fairly consistent with other car insurance policies, it may be a little stricter because of my age though