Table of contents
How much is car insurance in Bridgeport?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Bridgeport is about $32 a month more expensive than the rest of Connecticut.
Similarly, Bridgeport residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $66 more expensive than the national average to insure your vehicle in Bridgeport.
While these are the average car insurance rates for Bridgeport, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't sweat it however, we've broken down average rates for Bridgeport residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, 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 makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay twice 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 start to rise again in Bridgeport.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Bridgeport, the difference is around $5 a month. As you can see in the chart above, car insurance for women in the area typically costs around $143 each month, while men pay $148 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Bridgeport, drivers with one accident on their record will experience rates around $184 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $272.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$142|
|15 Years or Older||$139|
According to the first table above, the cheapest vehicles to insure in Bridgeport are typically trucks and vans, at $118 per month.
Car owners can expect to pay an average of around $149 a month for their policy, while SUVs usually cost around $144 a month to insure.
Vehicle age has an impact on the cost of your policy as well. Overall, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Bridgeport, for example, are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$152|
Overall, those who have settled down into marriage will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The cost of auto insurance in Bridgeport reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $35 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$240|
Another factor taken into consideration is your living accommodations. Renters can expect to pay around $21 a month more than those who own their own home in Bridgeport. But those who live at home with their parents can expect to pay significantly 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 car insurance costs.
Car Insurance Companies in Bridgeport, CT
Recent trends in car insurance for Bridgeport drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Bridgeport, the rates for auto insurance decreased from 2016-2019, before leveling out in 2020. Policy premiums finished down in 2021, at $142 per month
How does Bridgeport compare to neighboring areas?
Why are car insurance rates in Bridgeport different from other areas?
There are several factors car insurance companies will consider when deciding how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Road safety
- Total number of drivers
- Off-street parking availability
- Regional laws
- Local crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Bridgeport.
Bridgeport Insurance FAQs
What factors affect car insurance quotes in Bridgeport?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Bridgeport different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Bridgeport?
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 Bridgeport?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Bridgeport or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.