Stamford, CT Car Insurance

The average cost of car insurance in Stamford is $132 per month. Learn more or compare rates below.

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Auto insurance in Stamford, Connecticut

Premiums in Connecticut, which are 8% greater than the national average, are recognized for being pricey. Premiums also run high in Stamford, so it's vital to find savings by comparing rates.

Let’s take a look at how to save on car insurance in Stamford.


Stamford car insurance by accident or violation history

Accidents and violations can cost you in terms of premiums. The amount of damage caused by an accident plays a part in how drastically insurance rates will climb. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another $55 per year in premiums. Drivers with a DUI in Stamford have rates nearly double the average for the city ($1,591). Reckless driving will drive your rates up as well, with typical rates of $2,958. That is 86% higher than the city average!

  • DUI: $2,963
  • Reckless Driving: $2,958
  • At-fault Accident (damages less than $1000): $2,318
  • At-fault Accident (damages greater than $2000): $2,373
  • Speeding Ticket (16-20 mph over speed limit): $1,862


Stamford car insurance by age

Teenage drivers have the highest rates amongst all the age groups. They pay around $6,843 on car insurance premiums. When Stamford drivers hit their 20s, therefore moving out of the teenage age range, they can save $4,670 annually. It is the largest difference between any age group. Insurance rates for drivers in Stamford continue to fall through their 50s, but they can expect an increase when they hit 60. Drivers in their 50s save money on insurance, as they have the smallest rates among all age groups, paying only $1,466 every year. However, those in their 40s and 60s also have relatively low premiums, with premiums of $1,521 and $1,522, respectively.

  • Teenagers: $6,843
  • 20s: $2,172
  • 30s: $1,570
  • 40s: $1,521
  • 50s: $1,466
  • 60s: $1,522
  • 70s: $1,994


Stamford car insurance by gender and marital status

Marital status and gender can influence your car insurance premiums in Stamford. Rates for those who are divorced or widowed are the same as rates for single individuals. On the other hand, you spend around 5% more per year if you're single as opposed to married. Premiums for men and women usually vary by 2%, with women paying less.

  • Female: $1,565
  • Male: $1,591
  • Single: $1,591
  • Married: $1,521
  • Divorced: $1,591
  • Widowed: $1,591


Stamford car insurance by credit rating

Average car insurance premiums in Stamford for those with Very Poor credit (300-579) are more than twice the premiums for those with Exceptional credit (800-850). In terms of percent change, the greatest benefit of better credit occurs when boosting your score from Good (670-739) to Very Good (740-799), by which drivers can save nearly 19% per year.

  • Very Poor: $2,996
  • Fair: $2,481
  • Good: $2,052
  • Very Good: $1,659
  • Exceptional: $1,408


Compare car insurance rates today.

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Kristine Lee
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and