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How much is car insurance in Danbury?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Danbury typically costs about $14 a month less than it does in the rest of Connecticut.
Drivers relocating the Danbury should take note of the differences in average rates. The average monthly payment in Danbury is about $19 more expensive than the rate for the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down the average rate for Danbury residents based on several different factors so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can really work in your favor 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 someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up a bit in Danbury.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in average rates in Danbury totals about $16 per month. As you can see in the table above, male drivers in the area typically pay $106 on average, while female drivers typically pay $90 each month.
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 will see the most affordable rates, whereas even a single accident or infraction can cost you. In Danbury, a driving record with one accident will usually get you a rate around $125 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $107.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$96|
|15 Years or Older||$91|
The most affordable vehicles to insure in Danbury are usually trucks and vans, which run about $92 per month.
Car owners can expect to pay an average of around $102 a month for their policy, while SUVs usually cost around $94 a month to insure.
Vehicle age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Danbury, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$106|
More often than not, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Danbury as well, where the difference is around $26 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $3 less than homeowners in Danbury. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Danbury, CT
Recent trends in car insurance for Danbury drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Danbury, the rates for auto insurance had been decreasing from 2017-2018, and again, from 2020-2021. Insurance rates finished up in 2022, at $100.
How does Danbury compare to neighboring areas?
Why are car insurance rates in Danbury different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Local crime rates
- Regional regulations
- Amount of drivers
- Frequency of car accidents
- Off-street parking availability
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Danbury?
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 wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Danbury.
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Danbury Insurance FAQs
What factors affect car insurance quotes in Danbury?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Danbury different from other neighboring cities?
Parking situations, crime rates, and local laws -- 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 Danbury?
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 Danbury?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Danbury or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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