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How much is car insurance in Fairfield?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Fairfield are about the same as what you would pay anywhere else in Connecticut.
Compared to the national average cost of auto coverage, Fairfield has higher rates. You can expect to pay about $34 more for your policy in Fairfield.
Keep in mind that while these are the average car insurance rates for Fairfield, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
Don't worry, we've done the work for you and broken down average rates for Fairfield to help you get a more accurate idea of what you'll be charged for your policy. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $144 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Fairfield drivers may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The difference in Fairfield is about $37 a month. As you can see in the table above, female drivers in the area typically pay $88 on average, while female drivers typically pay $125 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Fairfield with a single accident on their record is about $116 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $155.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$36|
|15 Years or Older||$103|
In terms of affordable coverage, the cheapest vehicles to insure in Fairfield are by and large trucks and vans, at $58 per month.
SUV drivers will see rates of about $93, while the rates for car owners average out to about $128 per month.
Your rates can also vary depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Fairfield, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$127|
On average, those who have settled down into marriage will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Fairfield is no exception, with the difference totaling to around $30 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $29 a month more than drivers who own property in Fairfield. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Fairfield, CT
Recent trends in car insurance for Fairfield drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
The rates for car insurance in Fairfield had been decreasing from 2016-2017, before increasing from 2018-2020. They finished down in 2021 at $64.
How does Fairfield compare to neighboring areas?
Why are car insurance rates in Fairfield different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of drivers in the region
- Road Safety (total number of local car accidents)
- Off-street parking access
- Local regulations
- Rate of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Fairfield?
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 hold on! Compare.com does all of that work for you. Just punch in 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 coverage in Fairfield.
Fairfield Insurance FAQs
What factors affect car insurance quotes in Fairfield?
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 driving record, credit score, address, and marital status.
Why is the cost of car insurance in Fairfield different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Fairfield?
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 Fairfield?
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 Fairfield or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?