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How much is car insurance in East Haven?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Connecticut are about $7 a month cheaper than the rates drivers pay in East Haven.
Compared to the national average cost of auto coverage, East Haven has higher rates. Coverage in East Haven is about $40 more expensive than it is for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for East Haven, 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 gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
But don't worry, we've broken down average rates for East Haven 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 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's pretty safe to assume that the older you are, the longer you've been driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement age, your rates may begin to increase again in East Haven.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in average rates in East Haven totals about $45 per month. Based on the chart above, you can see that female drivers pay around $102 on average, while male drivers typically pay $147 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in East Haven with a single accident will pay around $137 a month. In addition, drivers with a single ticket on their record can expect to pay around $208 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$109|
|15 Years or Older||$102|
As you can see in the first table above, the cheapest vehicles to insure in East Haven are usually trucks and vans, which run about $95 per month.
Car owners, on the other hand, by and large pay around $124 a month, while SUV drivers can expect to pay about $119 per month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in East Haven are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$127|
On average, people who are married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in East Haven can be as much as $30 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$125|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $18 less than drivers who own property in East Haven. 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 average premiums.
Car Insurance Companies in East Haven, CT
Recent trends in car insurance for East Haven drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In East Haven, the rates for car insurance increased from 2016-2017, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $78 a month.
How does East Haven compare to neighboring areas?
Why are car insurance rates in East Haven different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Community laws
- Regional crime rates
- Road Safety (frequency of car accidents)
- Amount of drivers
- Off-street parking availability
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in East Haven?
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.
Good news! Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in East Haven.
East Haven Insurance FAQs
What factors affect car insurance quotes in East Haven?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in East Haven different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in East Haven?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 East Haven?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to East Haven or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.