Table of contents
How much is car insurance in Hamden?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $13 a month more expensive to insure your vehicle in Hamden than it is in the rest of Connecticut.
Similarly, Hamden residents will likely pay higher rates for their insurance policy than the rest of the country. The average monthly payment in Hamden is about $46 more expensive than the rate for the rest of the U.S.
While these are the average car insurance rates for Hamden, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down average rates for Hamden to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $210 more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates begin to increase again in Hamden.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Hamden, where female drivers pay around $17 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. In Hamden, a driving record with a single accident will usually get you a rate around $134 a month. In addition, drivers with one ticket can expect to pay around $208 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$65|
|15 Years or Older||$123|
In terms of affordable coverage, the cheapest vehicles to insure in Hamden are usually SUVs, at $114 per month.
SUV owners can expect to pay an average of around $114 a month for their policy, while truck and van drivers are usually around $141 to insure each month.
The age of your vehicle can also affect your monthly bill. 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 Hamden, 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)||$130|
More often than not, 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.
In Hamden, the difference in rates based on relationship status can be as much as $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$163|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $52 a month more than those who own their own home in Hamden. But if you live with your parents, your rates will be significantly higher.
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 Hamden, CT
Recent trends in car insurance for Hamden drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Hamden, the rates for car insurance had been decreasing from 2017-2020, before leveling out in 2021. Car insurance rates finished down in 2022, at $146 per month
How does Hamden compare to neighboring areas?
Why are car insurance rates in Hamden different from other areas?
Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Regional regulations
- Total number of drivers
- Availability of off-street parking
- Area crime rates
- General road safety (how many accidents each locality has)
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. 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 Hamden?
While getting familiar with 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.
But wait! Compare.com has you covered. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Hamden in no time.
Hamden Insurance FAQs
What factors affect car insurance quotes in Hamden?
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 Hamden different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Hamden?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Hamden?
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?
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 Hamden 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.