Table of contents
How much is car insurance in Bloomfield?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $16 a month cheaper to insure your vehicle in Bloomfield than it is in the rest of Connecticut.
On the other hand, the expected monthly payments for an auto insurance policy in Bloomfield are above the national average. The average monthly payment in Bloomfield is about $17 more expensive than the rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Bloomfield, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've done the heavy lifting for you and broken down the average rate for Bloomfield so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may creep back up a bit in Bloomfield.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Bloomfield, the difference comes out to about $18 per month. Based on the chart above, you can see that female drivers pay around $87 on average, while male drivers typically pay $105 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Bloomfield, having a single accident on your record will usually get you rates around $119 a month. In addition, drivers with one ticket can expect to pay around $37 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$99|
The most affordable vehicles to insure in Bloomfield are by and large trucks and vans, which run about $72 per month.
Car owners, on the other hand, usually pay around $96 a month, while SUV drivers can expect to pay about $103 per month to insure their vehicle.
The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Bloomfield, the most expensive vehicles to insure are vehicles four-to-five years old and six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$101|
More often than not, people who are married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Bloomfield as well, where the difference is around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$131|
Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $21 a month more than drivers who own property in Bloomfield. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Bloomfield, CT
Recent trends in car insurance for Bloomfield drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Bloomfield, the rates for car insurance dropped from 2017-2018, before rising from 2019-2021. They finished down in 2022 at $83.
How does Bloomfield compare to neighboring areas?
Why are car insurance rates in Bloomfield different from other areas?
Car insurance companies will take into account several factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Availability of off-street parking
- Rate of crime
- Amount of drivers in the area
- Road Safety (frequency of local car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Bloomfield?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Bloomfield.
Bloomfield Insurance FAQs
What factors affect car insurance quotes in Bloomfield?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, 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 Bloomfield different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, 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 Bloomfield?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Bloomfield?
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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Bloomfield or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.