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How much is car insurance in Branford?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Branford are about $7 a month more expensive than the rest of Connecticut.
Similarly, Branford residents will likely pay higher rates for their insurance policy than the rest of the country. It's about $40 more expensive than the national average to insure your vehicle in Branford.
While these are the average monthly costs for auto insurance coverage in Branford, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down the average rate for Branford residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just 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 more experience you have as a driver. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates climb back up in Branford.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Branford, where women pay around $14 less a month. As illustrated in the table above, male drivers in the area pay about $126 on average, while female drivers pay around $112 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Branford with one accident will pay around $144 a month. In addition, drivers with a single ticket on their record can expect to pay around $160 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$123|
In Branford, the cheapest vehicles to insure are typically SUVs, with drivers paying around $101 per month for insurance coverage.
Truck and van drivers will see rates of about $169 to insure their car, while SUV owners usually pay around $101 per month.
Your vehicle's age 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, once your car is about 5 years old, you may start to see your monthly premium decrease. In Branford, vehicles eight-to-ten years old and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$115|
More often than not, those who are currently married will pay slightly less for car insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Branford can be as much as $102 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$188|
One other element taken into consideration is your housing status. Renters can expect to pay around $17 a month more than those who own their own home in Branford. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Branford, CT
Recent trends in car insurance for Branford drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for car insurance in Branford increased from 2016-2018, but began to decrease in 2019. This trend has continued through 2021 when rates have most recently reached $87.
How does Branford compare to neighboring areas?
Why are car insurance rates in Branford different from other areas?
Car insurance companies will take into account a number of factors when they're figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Rate of crime
- Amount of off-street parking
- Road Safety (frequency of local car accidents)
- Total number of drivers in the region
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. Knowing 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 Branford?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Branford in no time.
Branford Insurance FAQs
What factors affect car insurance quotes in Branford?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Branford different from other neighboring cities?
Things like parking situations, crime rates, 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 Branford?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Branford?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Branford or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?