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How much is car insurance in Branford?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Branford are slightly more expensive than the rest of Connecticut.
Drivers relocating the Branford should take note of the differences in average rates. The cost of auto coverage in Branford is about $35 more expensive than the national average.
Keep in mind that these are the average auto insurance rates for Branford, and that the rate you get could end up being something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your monthly premium 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 Branford residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may begin to go back up in Branford.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Branford, this difference shakes out to about $8 a month. Looking at the table above, you can see that female drivers pay around $112 on average, while male drivers typically pay $120 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Branford, a driving record with a single accident will usually get you a rate around $144 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $130 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$118|
According to the first table above, the cheapest vehicles to insure in Branford are usually SUVs, at $100 per month.
SUV owners, on the other hand, by and large pay around $100 per month, while truck and van drivers can expect to pay about $137 a month for insurance coverage.
Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Branford are vehicles eleven-to-fourteen years old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Branford follows that pattern, with the difference totaling to around $38 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$188|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in Branford, expect to pay around $12 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Branford, CT
Recent trends in car insurance for Branford drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
Car insurance rates in Branford increased from 2017-2018, but began to decrease in 2019. This trend has continued through 2022 when rates have most recently reached $88.
How does Branford compare to neighboring areas?
Why are car insurance rates in Branford different from other areas?
Car insurance companies take in a number of factors when choosing how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Amount of drivers in the region
- Community regulations
- Rate of car accidents
- Local crime rates
- Off-street parking availability
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Branford?
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.
Don't worry, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Branford.
Branford Insurance FAQs
What factors affect car insurance quotes in Branford?
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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Branford different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Branford?
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 Branford?
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 Branford 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.