Table of contents
How much is car insurance in Groton?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $15 a month cheaper to insure your vehicle in Groton than it is in the rest of Connecticut.
Drivers relocating the Groton should take note of the differences in average rates. It's about $18 more expensive for coverage in Groton than the average rates for the U.S. as a whole.
Although these are the average car insurance rates in Groton, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay 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 that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $92 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates climb back up in Groton.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Groton, where women pay around $19 less a month. As illustrated in the table above, female drivers in the area pay about $87 on average, while male drivers pay around $106 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Groton, drivers with one accident on their record will experience rates around $129 a month. In addition, drivers with a single ticket on their record can expect to pay around $148 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. 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||Not Enough Data|
|15 Years or Older||$116|
In Groton, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $85 per month for insurance coverage.
SUV drivers will see rates of about $106 for car insurance, while car owners usually pay around $95 per month.
You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Groton, the most expensive vehicles to insure are vehicles fifteen years and older and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$108|
Generally, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Groton as well, where the difference is around $41 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$60|
Another factor that comes into play is your housing situation. In Groton, homeowners can expect to pay around $15 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Groton, CT
Recent trends in car insurance for Groton 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 Groton, auto insurance rates had been increasing from 2016-2017, before trending downward from 2018-2019. They finished down in 2021, at $85.
How does Groton compare to neighboring areas?
Why are car insurance rates in Groton different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Total number of drivers
- Amount of off-street parking
- Regional regulations
- Road Safety (frequency of local car accidents)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge 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?
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 can handle all of this for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering plans in Groton.
Groton Insurance FAQs
What factors affect car insurance quotes in Groton?
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 address, driving record, credit score, and marital status.
Why is the cost of car insurance in Groton different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Groton?
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 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?