Cost of Car Insurance in Stamford, CT – 2024 Averages + Cheapest Autos

• Stamford car insurance averages $2,036 per year, or $170 as a monthly expense.
• Car insurance rates for a few popular vehicles in Stamford include the Toyota RAV4 at $1,876 per year, Subaru Outback at $1,736, and Chevrolet Equinox at $1,876.
• For cheap car insurance in Stamford, Connecticut, compact crossovers and SUVs like the Chevrolet Trailblazer, Kia Soul, Buick Envision, and Ford Bronco Sport cost less than most other vehicles.
• Auto insurance quotes in Stamford can vary from as little as $36 per month for minimum liability insurance to well over $710 per month for drivers needing high-risk coverage.

How much does Stamford car insurance cost?

In Stamford, average auto insurance cost is $2,036 per year, which is 7.8% more than the U.S. average rate of $1,883. Per month, Stamford car insurance costs approximately $170 for full coverage.

Average car insurance cost in Connecticut is $2,108 per year, so Stamford, CT, drivers pay an average of $72 less per year than the overall Connecticut state-wide average rate. The cost to insure a vehicle in Stamford compared to other Connecticut cities is about $410 per year less than in Hartford, $308 per year less than in Waterbury, and $422 per year less than in Bridgeport.

The age of the driver is the single-largest factor that determines the price you pay for auto insurance. The list below illustrates these differences by showing the difference in average car insurance rates in Stamford for drivers from age 16 to 60.

Car insurance cost in Stamford for drivers age 16 to 60

• 16-year-old driver – $7,256 per year or $605 per month
• 17-year-old driver – $7,028 per year or $586 per month
• 18-year-old driver – $6,299 per year or $525 per month
• 19-year-old driver – $5,737 per year or $478 per month
• 20-year-old driver – $4,098 per year or $342 per month
• 30-year-old driver – $2,176 per year or $181 per month
• 40-year-old driver – $2,036 per year or $170 per month
• 50-year-old driver – $1,804 per year or $150 per month
• 60-year-old driver – $1,690 per year or $141 per month

The next chart displays additional costs for drivers age 20 to 60 by showing a range of rates based on an assortment of driver ages, physical damage deductibles, and driver risk profiles.

Average car insurance rates in the chart range from $1,692 per year for a 40-year-old driver who meets the requirements for many policy discounts to $4,686 per year for a 30-year-old driver with too many violations and accidents.

From a monthly budgeting standpoint, the average cost of car insurance per month in Stamford ranges from $141 to $391.

Car insurance rates can be extremely variable and are impacted by a lot of factors. The potential for large variability stresses the need to get multiple auto insurance quotes when looking for cheaper auto insurance.

Car insurance for popular cars, trucks, and SUVs

The car insurance rates discussed up to this point are an average for all 2024 vehicle models, which is handy when making broad comparisons like the average cost difference between different locations in Connecticut. Average auto insurance rates are awesome when answering questions like “is car insurance in Stamford cheaper than New Haven?” or “is car insurance in Connecticut cheaper than Arizona?”.

For more useful rate comparisons, however, it makes sense to look at the exact vehicle being insured. Every make and model has it’s own exposure profile for calculating the cost of auto insurance and this data makes it possible to do cost comparisons.

The next chart displays average car insurance cost for some of the more popular models you’ll find driving the streets of Stamford.

What vehicles have the cheapest car insurance in Stamford?

The vehicles with the lowest cost average auto insurance quotes in Stamford, CT, tend to be small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Buick Envision.

Average insurance prices for those compact SUVs cost $138 or less per month for full coverage car insurance.

Additional models that rank very well in our car insurance cost comparison are the Buick Envista, Buick Encore, Ford Bronco Sport, and Chevrolet Colorado.

Average auto insurance rates are a little higher for those models than the small SUVs and crossovers at the top of the list, but they still have an average cost of $1,746 or less per year, or about $146 per month.

The table below breaks down the top 20 models with the cheapest car insurance rates in Stamford, ordered by annual cost.

A table of 20 ranked vehicles is great if you just want the lowest rates. Considering the fact that we have over 700 models in our database, that’s a lot of vehicles that get omitted from the list.

Let’s dig a little deeper into the data and break out the most affordable vehicles a slightly different way, by vehicle segment. The sections below rank the vehicles with the lowest cost auto insurance rates in Stamford for the most popular segments.

Cheapest car insurance rates in Stamford, CT

The cheapest sedans and hatchbacks to insure in Stamford are the Toyota GR Corolla at $1,770 per year, the Nissan Leaf at $1,784 per year, and the Honda Civic at $1,804 per year.

Not the cheapest, but still very affordable, are models like the Chevrolet Malibu, Honda Accord, Hyundai Ioniq 6, and Toyota Prius, with average annual insurance rates of $1,976 per year or less.

Ranked in the lower half of the top 20, cars like the Volkswagen Arteon, Nissan Versa, Mitsubishi Mirage G4, Volkswagen Jetta, and Toyota Crown cost between $1,976 and $2,106 per year to insure.

Full-coverage insurance in Stamford for this segment for an average middle-age driver starts at an average of $148 per month, depending on your location and insurance company.

The comparison table below ranks the cars with the cheapest insurance rates in Stamford, starting with the Toyota GR Corolla at $1,770 per year ($148 per month) and ending with the Mazda 3 at $2,106 per year ($176 per month).

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see rates for your vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Connecticut.

Cheapest SUVs to insure in Stamford, CT

The four highest ranking non-luxury SUVs with the lowest-cost insurance rates in Stamford are the Subaru Crosstrek at $1,506 per year, Chevrolet Trailblazer at $1,532 per year, Kia Soul at $1,590 per year, and Nissan Kicks at $1,604 per year.

Also ranking well are models like the Buick Envision, Ford Bronco Sport, Hyundai Venue, and Toyota Corolla Cross, with an average cost of $1,668 per year or less.

Car insurance rates for this segment in Stamford for an average middle-age driver starts at an average of $126 per month, depending on where you live.

The cheapest non-luxury compact SUV to insure in Stamford is the Subaru Crosstrek at $1,506 per year. For midsize SUVs, the Honda Passport is the cheapest model to insure at $1,624 per year. And for full-size SUVs, the Chevrolet Tahoe is cheapest to insure at $1,914 per year.

The table below ranks the twenty SUVs with the cheapest insurance rates in Stamford, starting with the Subaru Crosstrek at $1,506 per year and ending with the Honda HR-V at $1,774 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Stamford car insurance quotes from top companies in Connecticut.

Cheapest luxury car auto insurance rates

The three highest ranking luxury cars with the cheapest average insurance rates in Stamford are the Acura Integra at $1,810 per year, the BMW 330i at $2,074 per year, and the Mercedes-Benz CLA250 at $2,096 per year.

Not the cheapest to insure, but still ranked well, are models like the Lexus RC 300, Cadillac CT4, Genesis G70, and Lexus ES 350, with an average car insurance cost of $2,140 per year or less.

In the bottom half of the top 20, cars like the Lexus ES 250, Jaguar XF, Cadillac CT5, Lexus IS 350, and Audi S3 average between $2,140 and $2,284 to insure per year in Stamford.

Full-coverage car insurance for this segment in Stamford can cost as low as $151 per month, depending on the company.

If prices are ranked by vehicle size, the cheapest small luxury car to insure in Stamford is the Acura Integra at $1,810 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the cheapest rates at $2,096 per year. And for large luxury car models, the Audi A5 is cheapest to insure at $2,414 per year.

The table below ranks the cars with the most affordable insurance rates in Stamford, starting with the Acura Integra at $1,810 per year ($151 per month) and ending with the Audi S3 at $2,284 per year ($190 per month).

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Is your vehicle not in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Stamford car insurance quotes from top-rated auto insurance companies in Connecticut.

Cheapest luxury SUVs to insure

The four cheapest luxury SUV models to insure in Stamford are the Acura RDX at $1,704 per year, Lexus NX 250 at $1,804 per year, Cadillac XT4 at $1,840 per year, and Jaguar E-Pace at $1,904 per year.

Not the cheapest in the list, but still ranking well, are SUVs like the Lexus NX 450h, Lincoln Corsair, Mercedes-Benz GLB 250, and Lexus UX 250h, with average annual insurance rates of $1,964 per year or less.

Some additional vehicles worth mentioning include the Mercedes-Benz GLA250, Infiniti QX50, Land Rover Evoque, and Mercedes-Benz GLA35 AMG, which average between $1,964 and $2,042 per year for auto insurance.

From a cost per month standpoint, full-coverage auto insurance in this segment for a good driver will start around $142 per month, depending on the company. The next table ranks the twenty SUVs with the most affordable insurance in Stamford, starting with the Acura RDX at $142 per month and ending with the Lexus NX 350 at $170 per month.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Looking for rates for a different model? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Connecticut.

Cheapest sports cars to insure in Stamford

The four cheapest sports cars to insure in Stamford are the Mazda MX-5 Miata at $1,886 per year, Toyota GR86 at $2,148 per year, Ford Mustang at $2,240 per year, and BMW Z4 at $2,252 per year.

Additional models that are affordable to insure include the BMW M2, Subaru BRZ, Lexus RC F, and Nissan Z, with an average cost to insure of $2,436 per year or less.

In the bottom half of the top 20, models like the Porsche 911, Lexus LC 500, Jaguar F-Type, BMW M4, and Porsche 718 cost between $2,436 and $3,450 to insure per year.

On a monthly basis, full-coverage car insurance in Stamford on this segment for a good driver starts at an average of $157 per month, depending on your company and location.

The rate comparison table below ranks the twenty sports cars with the cheapest insurance rates in Stamford, starting with the Mazda MX-5 Miata at $157 per month and ending with the Porsche Taycan at $288 per month.

Don’t see your sports car? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Stamford.

Cheapest pickup truck insurance rates

The #1 ranking in Stamford for cheapest auto insurance rates in the pickup truck segment is the Chevrolet Colorado, costing $1,746 per year. Second place is the Nissan Titan at $1,904 per year, coming in third is the Nissan Frontier, at an average of $1,926 per year, and the fourth most affordable is the Ford Ranger, costing an average of $1,946 per year.

Additional pickups that have good average insurance rates are the GMC Canyon, GMC Sierra 2500 HD, Toyota Tacoma, and Hyundai Santa Cruz, with average cost of $2,096 per year or less.

Car insurance for this segment in Stamford for a safe driver starts at an average of $146 per month, depending on your location and insurance company. The table below ranks the pickups with the lowest-cost car insurance rates in Stamford, starting with the Chevrolet Colorado at $1,746 per year and ending with the Ram Truck at $2,356 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Looking for insurance rates for a different truck? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Stamford car insurance quotes from the best companies in Connecticut.

What to expect when shopping for car insurance

To emphasize the importance of the amount that auto insurance prices can change for different drivers (and also emphasize the importance of accurate rate quotes), the charts below present multiple rates for five popular models in Stamford: the Ram Truck, Nissan Sentra, Toyota RAV4, Honda Accord, and Chevrolet Camaro.

The example for each vehicle displays average rates for different driver profiles to show the difference in cost with only small changes in driver profile or coverage limits.

Ram Truck insurance rates

Car insurance for a Ram Truck in Stamford averages $2,356 per year ($196 per month) and varies from $1,952 to $5,426.

The Ram Truck is classified as a full-size truck, and other popular models include the Toyota Tundra, GMC Sierra, Ford F150, and Chevrolet Silverado.

Nissan Sentra insurance rates

Auto insurance for a Nissan Sentra in Stamford averages $1,866 per year, or about $156 per month, and ranges from $1,550 to $4,240 annually.

The Nissan Sentra is considered a compact car, and other similar models from the same segment include the Hyundai Elantra, Volkswagen Jetta, and Toyota Corolla.

Toyota RAV4 insurance rates

In Stamford, Toyota RAV4 insurance costs an average of $1,876 per year, or around $156 per month, and varies from $1,558 to $4,316.

The Toyota RAV4 is a compact SUV, and other popular models in the same segment include the Nissan Rogue, Chevrolet Equinox, and Honda CR-V.

Honda Accord insurance rates

Honda Accord insurance in Stamford costs an average of $1,970 per year, or about $164 per month, and has a range of $1,634 to $4,524 per year.

The Honda Accord is part of the midsize car segment, and other similar models from the same segment include the Nissan Altima, Chevrolet Malibu, Kia K5, and Hyundai Sonata.

Chevrolet Camaro insurance rates

Chevrolet Camaro insurance in Stamford costs an average of $2,646 per year (about $221 per month) and varies from $2,198 to $6,080.

The Chevrolet Camaro belongs to the sports car segment, and other popular same-segment models include the Toyota Supra, Chevrolet Corvette, Ford Mustang, and Nissan 370Z.

Tips for getting cheaper Stamford car insurance quotes

Financially savvy drivers are always searching for ways to save money on insurance, so glance through the money-saving ideas in the list below and maybe you’ll be able to save a little cash on your next renewal.

• Compare rates before buying a car. Different cars have significantly different auto insurance rates, and car insurance companies can price policies with a wide range of prices. Get multiple insurance quotes before you buy a different car in order to prevent insurance sticker shock when you get your insurance bill.
• The real world isn’t Grand Theft Auto. In order to have cheap auto insurance in Stamford, it pays to follow traffic laws. In fact, just a couple traffic tickets have the consequences of raising policy rates by as much as $544 per year.
• Buy vehicles with low cost insurance. The type of vehicle you drive is a huge factor in the price you pay for car insurance. As an example, a Volvo XC40 costs $1,878 less per year to insure in Stamford than a Audi R8. Insure cheaper models and save money.
• Remain claim free and save. Insurance companies give a discounted rate if you do not file any claims. Auto insurance is intended to be used for significant claims, not for small claims.
• Shop around. Take a couple of minutes to get some free car insurance quotes is our top recommendation for saving money on car insurance. Companies make rate modifications frequently and you can switch anytime.
• Qualify for policy discounts to save money. Savings may be available if the policyholders drive a vehicle with safety or anti-theft features, are loyal customers, are good students, choose electronic billing, or many other policy discounts which could save the average Stamford driver as much as $344 per year.
• Get better rates due to your job. Just about all auto insurance companies offer policy discounts for certain occupations like doctors, engineers, nurses, accountants, police officers and law enforcement, lawyers, and others. If you qualify for this occupational discount, you could save between $61 and $198 on your annual premium, depending on your policy.