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How much is car insurance in Ansonia?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Ansonia are about $11 a month cheaper than in the rest of Connecticut.
If you're considering relocating to Ansonia from out of state, you may want to budget a little extra for your insurance. The average monthly payment for the rest of the U.S. is about is about $22 cheaper than it is in Ansonia.
Although these are the average rates for auto insurance in Ansonia, it's important to remember that you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Ansonia residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $140 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may climb back up a bit in Ansonia.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Ansonia, however, male and female drivers both pay, on average, $103 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Ansonia, having a single accident on your record will usually get you rates around $98 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $154.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|2-3 Years||Not Enough Data|
|15 Years or Older||$93|
According to the first table above, the cheapest vehicles to insure in Ansonia are usually SUVs and cars, at $101 per month.
SUV owners will see rates of about $101, while truck and van owners typically pay around $149 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Ansonia, the most expensive vehicles to insure are vehicles eight-to-ten years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$105|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Ansonia are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
Your living accommodations is another factor that affects your monthly rate. Drivers who own property in Ansonia can expect to pay around $4 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Ansonia, CT
Recent trends in car insurance for Ansonia drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Ansonia, car insurance rates dropped from 2017-2018, before leveling out in 2019. Insurance rates began decreasing again in 2020, and finished up in 2022, at $101.
How does Ansonia compare to neighboring areas?
Why are car insurance rates in Ansonia different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Access to off-street parking
- Total number of drivers in the community
- Road Safety (how many accidents each locality has)
- Area crime rates
- Local laws
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Ansonia?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Ansonia.
Ansonia Insurance FAQs
What factors affect car insurance quotes in Ansonia?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Ansonia different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Ansonia?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Ansonia?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Ansonia or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.