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How much is car insurance in Groton?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $27 a month cheaper to insure your vehicle in Groton than it is in the rest of Connecticut.
That being said drivers in Groton may pay higher rates than the rest of the country. Coverage in Groton is about $6 more expensive than it is for the rest of the U.S.
These may be the average auto insurance rates for Groton, but that doesn't mean it's exactly what you'll pay. 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 the bill you'll see each month.
We've broken down average rates for Groton to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may creep back up a bit in Groton.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Groton, male drivers pay about $11 more a month. As illustrated in the table above, female drivers in the area pay about $80 on average, while male drivers pay around $91 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Groton, having a single accident on your record will usually get you rates around $109 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $205.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$90|
In Groton, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $71 per month for insurance coverage.
SUV drivers will see rates of about $104, while the rates for car owners average out to about $86 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Groton, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$93|
More often than not, those who have settled down into marriage will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Groton, with married couples paying about $26 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$60|
One other element taken into consideration is your living situation. Those who own their own home in Groton can expect to pay around $20 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Groton, CT
Recent trends in car insurance for Groton 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.
Car insurance rates in Groton declined from 2017-2019, before leveling out in 2020. Rates began decreasing again in 2021, and finished down in 2022, at $64.
How does Groton compare to neighboring areas?
Why are car insurance rates in Groton different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Number of drivers
- Road Safety (frequency of car accidents)
- Amount of off-street parking
- Crime rates
- Regional regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Groton?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Groton.
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Groton Insurance FAQs
What factors affect car insurance quotes in Groton?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, 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 Groton different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, 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 Groton?
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 Groton?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Groton or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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