Bristol, CT Car Insurance

Drivers in Bristol pay around $111 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What rates can residents of Bristol expect to pay for their car insurance? How do rates in Bristol measure up compared to neighboring areas, including Connecticut as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Bristol?

Area Average Monthly Car Insurance Premium
Bristol$111
CT$113
United States$80

Based on the chart above, you can see that the costs for coverage in Bristol are in line with rates across the rest of Connecticut.

On the other hand, Bristol residents will likely pay higher rates to insure their vehicle than in the rest of the country. Coverage in Bristol is about $31 more expensive than it is for the rest of the U.S.

Keep in mind that these are the average auto insurance rates for Bristol, and that the rate you get could end up being something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure 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 the average rate for Bristol residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$167
25-34$115
35-44$90
45-54Not Enough Data
55-64$82
65+$77

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may begin to go back up in Bristol.

Average Car Insurance Rates by Gender

Gender Average
Male$111
Female$111

In general, car insurance rates for women are usually cheaper than they are for men. In Bristol, however, male and female drivers both pay, on average, $111 for their monthly policy premium.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$142
Multiple Accidents$154
1 Ticket$112
Multiple Tickets$133

One of the key factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay much less than those with infractions. In Bristol, a driving record with a single accident will usually get you a rate around $142 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $112.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$66
2-3 Years$104
4-5 Years$141
6-7 Years$88
8-10 Years$106
11-14 Years$107
15 Years or Older$118

As you can see in the first table above, the cheapest vehicles to insure in Bristol are typically trucks and vans, which run about $76 per month.

Car owners will see a monthly premium of about $118, while SUV owners usually pay around $105 per month.

You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. 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)$115
Married$81
Divorced$94

Generally speaking, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

The difference in rates based on relationship status in Bristol can be as much as $34 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$98
Rent$112
Live with parents$154

One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Bristol. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 Bristol, CT

Recent trends in car insurance for Bristol drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

In Bristol, the rates for auto insurance declined from 2016-2017, before steadying out in 2018. Car insurance rates have been decreasing again recently, and were down to $99 in 2021.

How does Bristol compare to neighboring areas?

Why are car insurance rates in Bristol different from other areas?

When considering how much to charge for coverage, car insurance companies will review a number of factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:

  • Local regulations
  • Number of drivers in the community
  • Availability of off-street parking
  • Crime
  • Road safety

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. Realizing 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 corner of the world.

How can I find the cheapest car insurance in Bristol?

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.

But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Bristol.

Compare the cheapest quotes from dozens of insurance companies

Bristol Insurance FAQs

What factors affect car insurance quotes in Bristol?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Bristol 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, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Bristol?

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 Bristol?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Bristol or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes