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How much is car insurance in Bristol?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Bristol is about $4 cheaper than it is in the rest of Connecticut.
On the flip side, the expected monthly payments for an auto insurance policy in Bristol are above the national average. Coverage in Bristol is about $29 more expensive than it is for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Bristol, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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.
We've done the heavy lifting for you and broken down the average rate for Bristol 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, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to go back up in Bristol.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Bristol, however, men actually pay a bit less than female drivers for car insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Bristol with a single accident will pay around $141 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $187.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$110|
In Bristol, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $94 per month for insurance coverage.
Car owners, on the other hand, by and large pay around $115 a month, while SUV drivers can expect to pay about $103 per month for auto insurance.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Bristol are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
Generally speaking, people who are married 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.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Bristol is no exception, with the difference totaling to around $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$159|
Another factor that comes into play is your living situation. In Bristol, homeowners can expect to pay around $10 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Bristol, CT
Recent trends in car insurance for Bristol 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.
In Bristol, car insurance rates increased from 2017-2018, before turning downward from 2019-2021. They finished up in 2022, at $119 a month.
How does Bristol compare to neighboring areas?
Why are car insurance rates in Bristol different from other areas?
There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of drivers
- Off-street parking accessibility
- Regional crime rates
- Road safety
- Local laws
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Bristol?
While getting familiar with 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.
But wait! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Bristol.
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Bristol Insurance FAQs
What factors affect car insurance quotes in Bristol?
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 Bristol 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 Bristol?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Bristol?
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?
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 Bristol 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.
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