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How much is car insurance in East Hartford?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in East Hartford are in line with rates across the rest of Connecticut.
Drivers relocating the East Hartford should take note of the differences in average rates. The average monthly payment for the rest of the U.S. is about is about $32 cheaper than it is in East Hartford.
While these are the average monthly costs for auto insurance coverage in East Hartford, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. 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 average rates for East Hartford residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in East Hartford may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for insurance coverage, in East Hartford men actually pay $111 per month for coverage while women pay $116.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in East Hartford with one accident will pay around $131 a month. In addition, drivers with one ticket can expect to pay around $168 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$108|
In terms of affordable coverage, the cheapest vehicles to insure in East Hartford are usually SUVs, at $102 per month.
Car owners can expect to pay an average of around $119 a month for their policy, while truck and van drivers are usually around $113 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In East Hartford, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$118|
On average, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in East Hartford is about $31 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$191|
Another factor that comes into play is your housing status. The average rates for both homeowners and renters in East Hartford are around $110 per month.
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 East Hartford, CT
Recent trends in car insurance for East Hartford 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 East Hartford, the rates for auto insurance rose from 2017-2018, before steadying out in 2019. Insurance rates finished up in 2022, at $153 per month
How does East Hartford compare to neighboring areas?
Why are car insurance rates in East Hartford different from other areas?
Car insurance companies look at many factors when they're figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:
- Off-street parking access
- Rate of crime
- Total number of drivers in the area
- Road Safety (frequency of car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 East Hartford?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in East Hartford.
East Hartford Insurance FAQs
What factors affect car insurance quotes in East Hartford?
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 gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in East Hartford 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 parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in East Hartford?
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 East Hartford?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 East Hartford 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.