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Cheap Car Insurance in Bridgeport, CT

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Everything You Need to Know About Auto Insurance in Connecticut

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.

How Much Does Car Insurance Cost in Bridgeport, Connecticut?

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.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Connecticut

This chart shows how much Bridgeport drivers pay in monthly premiums compared to drivers living in other cities across the state.

City Full Coverage Insurance Liability Insurance Coverage
Bridgeport $215 $92
Hartford $212 $91
New Haven $213 $94
Danbury $154 $64
Norwich $144 $58

Affordable Bridgeport Car Insurance Rates by Zip Code

Insurers calculate the rates drivers pay based on several factors, and location is one of them. If you live in a dense urban area that experiences a lot of traffic congestion and car crashes, and you travel along these risky roads frequently, you’ll probably have to pay more in premiums than someone who lives in a less populated area.

Here’s how much Bridgeport residents living in various zip codes across the city pay for full auto coverage and state-required liability insurance monthly.

Zip Code Full Coverage Insurance Liability Insurance Coverage
06604 $215 $92
06605 $215 $92
06606 $215 $92
06607 $215 $92
06608 $215 $92
06610 $215 $92
06611 $153 $65

Low-Cost Car Insurance Rates by Age in Bridgeport

Age is another factor that insurers take into consideration when estimating your rate. Drivers in their 40s and 50s usually pay less than younger drivers because they have more experience behind the wheel.

This chart lists average monthly auto insurance premiums in Bridgeport based on driver age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $903 $428
20s $257 $108
30s $208 $90
40s $202 $89
50s $188 $84
60s $192 $87
70s $251 $116

Our city and zip code average rates are based on the following methodology: male, age 30, lowest possible legal coverage allowed by Connecticut.

Driving Conditions in Bridgeport

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.

Minimum Car Insurance Requirements in Bridgeport

Connecticut law outlines the minimum liability auto insurance requirements that drivers in Bridgeport and those living in other cities and towns across the state must have. Drivers must carry a policy that provides:

What Are the Penalties for Driving Without Insurance in Bridgeport, Connecticut?

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.

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Factors Allowed in Bridgeport Car Insurance Rates

Your location, age, and the miles on your vehicle’s odometer aren’t the only factors determining what you’ll have to pay in premiums. Insurers consider several other factors when they calculate your rate, including your:

  • Vehicle type
  • Education
  • Driving history
  • Marital status
  • Coverage amount
  • Deductible amount

Here’s What You Need to Know When Driving in Connecticut

When driving in the Constitution State, always carry proof of valid, active insurance while driving. If you’re caught without it, the state views this as evidence that you have failed to maintain your coverage, and this is considered a class C misdemeanor that can land you in jail.

Here are a few more things to keep in mind:

  • Don’t use your mobile phone while driving (it’s prohibited).
  • Wear your seatbelt and make sure your passengers do, too (state law requires it).
  • Always obey signal instructions given by a law enforcement officer, even if they contradict the traffic light.
  • Always yield the right-of-way to pedestrians in a marked or unmarked crosswalk.
  • Pull over to the right edge of the road and stop your vehicle if you see or hear an approaching ambulance or emergency vehicle from any direction. State law mandates that you remain stopped until the vehicle passes unless a state or local police officer or a firefighter instructs you otherwise.

What Are the Best Discounts for Car Insurance in Bridgeport, CT?

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%.


Get an Online Quote for Car Insurance in Bridgeport Today!

Fairfield Ave in Downtown Bridgeport on a spring morning

Bridgeport drivers must carry proof of auto insurance that meets Connecticut’s minimum liability mandate. If you’re looking for great auto insurance coverage at an affordable price, Freeway Insurance can help.

Get started with a quote online, visit us at a Connecticut office near you, or call us at (800) 777-5620 for a quote.