Cheap Car Insurance in Bridgeport, CT

Located on Long Island Sound at the mouth of the Pequonnock River, Bridgeport is one of the largest municipalities in Connecticut, with around 148,345 residents calling this port city home.

Ranked among the top 25 culturally diverse cities in the U.S., this city sits on what was once the tribal land of the Paugussett until English settlers arrived in the 1600s. The area was incorporated as a town in 1821 and got its name because of the need for bridges to cross the Pequonnock River. In 1836, it was reincorporated as a city.

Thirty-five years later, in 1871, resident and showman P.T. Barnum became mayor, housing his circus in four houses he had built in the area during the winter. This New England city had several firsts in the years that followed, becoming the site of the world’s first mutual telephone exchange in 1877, the home to the first dental hygiene school in 1949, and the first bank telephone bill service in 1981. Today, it’s known as “Park City,” boasting 35 parks on 1,300 acres of public land.

All drivers must meet state-mandated coverage requirements. Keep reading to learn more about Connecticut car insurance, including the average monthly rates based on age and zip code.

Bridgeport drivers pay auto premiums of around $92 per month for state mandated minimum liability insurance. That’s $40 more than the state and national average, both of which stand at $52.

In this city, full auto coverage costs drivers around $215 per month, which is $86 more than the state average of $129 and $47 more than the national average of $168.

What Does Full Vs. Minimum Mean?

Full coverage consists of liability, collision, and comprehensive insurance. If you cause a crash, it covers medical costs for those who are hurt, funeral expenses if anyone is killed, and property damage. This coverage option also protects you if someone crashes into you or if your vehicle is damaged by acts of vandalism or weather events.

Minimum coverage is the standard amount your state mandates to pay for bodily injuries and damages you cause if you are at fault for a crash. Once these amounts are reached, you will have to pay any remaining balances out of pocket.

How Many Fatal Accidents Happen in Bridgeport?

According to the National Highway Traffic Safety Administration, Bridgeport averages around eight fatal crashes every year. How many happen annually tends to fluctuate widely. NHTSA statistics show that between 2011 and 2021, some years only had two to four fatal crashes, while others had as many as 15.

How Are the Road Infrastructure and Bridges in Bridgeport?

Bridgeport’s public facilities department oversees and maintains city streets. In spring 2023, the department conducted a city-wide effort to clear roadways, fix potholes, and carry out community cleanups in every district, including street-sweeping and illegal dumping pickup. The state Department of Transportation oversees infrastructure upkeep in and around Bridgeport, including I-95, U.S. 1, the Route 8-Route 25 connector, and the Pequonnock River railroad bridge.

In Connecticut, a driver is subject to penalties under state law for operating a vehicle without insurance, failing to maintain coverage, and failing to carry proof of it. If you don’t provide proof of auto insurance during a traffic stop, the state views this as evidence that you failed to maintain coverage — a class C misdemeanor.

First-time offenders typically get a $50 fine along with other applicable fees (bringing the total penalty to $117) and face up to three months in jail, vehicle impoundment for up to 45 days, and a month-long driver’s license and registration revocation. This revocation holds until proof of valid, active auto insurance is provided and a $175 restoration fee is paid. Subsequent offenders face stiffer penalties, with fines of up to $1,000 and longer revocation times.

Discounts can help you save money on your premiums. That’s especially true if you’re eligible for several rate reductions, which can significantly reduce the amount you pay.

Some of the most popular auto insurance discounts among Bridgeport drivers include:

Bundling or combining coverage through the same insurer is another great way to save cash. If you’ve already got an auto policy, adding renters or homeowners insurance can reduce your overall bill by as much as 25%.