Table of contents
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 $10 a month cheaper than in the rest of Connecticut.
On the flip side, Ansonia residents should prepare to pay higher rates for coverage than the rest of the country. It's about $23 more for coverage in Ansonia than in the rest of the U.S.
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 monthly rate that insurance companies end up charging you is determined by a variety of factors. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down average rates for Ansonia residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may start to rise again in Ansonia.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Ansonia, where female drivers pay around $110 per month while male drivers pay about $98.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Rates can change drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Ansonia, drivers with one accident on their record will experience rates around $72 a month.
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||$86|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Ansonia, with drivers paying around $65 per month for insurance.
Car owners, on the other hand, typically pay around $108 a month, while SUV drivers can expect to pay about $101 per month for insurance coverage.
The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Ansonia 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)||$107|
More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Ansonia, the difference in rates based on relationship status can be as much as $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$140|
Your living situation is another factor that affects your monthly rate. In Ansonia, homeowners can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Ansonia, CT
Recent trends in car insurance for Ansonia drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Ansonia, the rates for auto insurance rose from 2016-2017, but began to decrease in 2020. This trend has continued through 2021 when rates have most recently reached $70 a month.
How does Ansonia compare to neighboring areas?
Why are car insurance rates in Ansonia different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you live. These factors include things like:
- Amount of off-street parking
- Community laws
- Rate of car accidents
- Total number of drivers in the region
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 knowing 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.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Ansonia.
Ansonia Insurance FAQs
What factors affect car insurance quotes in Ansonia?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Ansonia different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Ansonia?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ansonia?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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.