Table of contents
How much is car insurance in Bridgeport?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $33 a month more expensive to insure your vehicle in Bridgeport than it is in the rest of Connecticut.
Likewise, Bridgeport residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Bridgeport is about $66 more expensive than the rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Bridgeport, it isn't guaranteed that it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Bridgeport and broken down the different factors to help you understand what exactly you might be asked to pay. 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 snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times the price that 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 age your rates may rise again in Bridgeport.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The price for insurance coverage in Bridgeport, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Bridgeport, a driving record with one accident will usually get you a rate around $184 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $183.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$138|
|15 Years or Older||$138|
As you can see in the first table above, the cheapest vehicles to insure in Bridgeport are by and large trucks and vans, which run about $112 per month.
Car owners will see a monthly bill of about $154, while SUV owners typically pay around $138 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Bridgeport, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$152|
On average, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Bridgeport as well, where the difference is around $35 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$221|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Bridgeport, expect to pay around $14 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Bridgeport, CT
Recent trends in car insurance for Bridgeport drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The cost of car insurance in Bridgeport had been decreasing from 2017-2019, before steadying out in 2020. Rates finished up in 2022, at $165 a month
How does Bridgeport compare to neighboring areas?
Why are car insurance rates in Bridgeport different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Community regulations
- Number of car accidents
- Local crime rates
- Availability of off-street parking
- Total number of drivers in the area
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. 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 Bridgeport?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering coverage in Bridgeport.
Bridgeport Insurance FAQs
What factors affect car insurance quotes in Bridgeport?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Bridgeport different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Bridgeport?
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 Bridgeport?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
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 Bridgeport 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.