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How much is car insurance in Fairfield?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Fairfield are about the same as the rest of Connecticut.
Drivers relocating the Fairfield should take note of the differences in average rates. It's about $31 more expensive than the national average to insure your vehicle in Fairfield.
Bear in mind that while these rates are the average costs for drivers in Fairfield, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
Don't sweat it however, we've broken down the average rate for Fairfield residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates begin to go back up once you hit retirement in Fairfield.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Fairfield is about $34 a month. Based on the chart above, you can see that male drivers pay $125 on average, while female drivers typically pay $91 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Fairfield with a single accident on their record is about $116 a month. In addition, drivers with one ticket can expect to pay around $118 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$36|
|15 Years or Older||$101|
As you can see in the first table above, the cheapest vehicles to insure in Fairfield are usually trucks and vans, which run about $62 per month.
SUV drivers will see rates of about $95 for auto insurance coverage, while car owners typically pay around $126 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. 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)||$122|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Fairfield, the difference in rates based on relationship status can be as much as $19 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Your housing status is another factor that affects your monthly rate. Homeowners in Fairfield can expect to pay around $24 a month less than those who rent. But those who live at home with their parents can expect to pay significantly 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 Fairfield, CT
Recent trends in car insurance for Fairfield drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Auto insurance rates in Fairfield went up from 2017-2020, before leveling out in 2021. They finished up in 2022, at $93 a month
How does Fairfield compare to neighboring areas?
Why are car insurance rates in Fairfield different from other areas?
Car insurance companies will take into account several factors when they're choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Road safety
- Off-street parking accessibility
- Area laws
- Area crime rates
- Amount of drivers in the region
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Fairfield?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Fairfield.
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Fairfield Insurance FAQs
What factors affect car insurance quotes in Fairfield?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Fairfield 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 Fairfield?
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 Fairfield?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Fairfield 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.
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