Table of contents
How much is car insurance in Meriden?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $10 a month more expensive to insure your vehicle in Meriden than it is in the rest of Connecticut.
Similarly, Meriden residents will likely pay higher rates to insure their vehicle than in the rest of the country. You can expect to pay about $43 more for your policy in Meriden.
These may be the average auto insurance rates for Meriden, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But worry not, we've done the heavy lifting and broken down the average rate for Meriden to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates start to rise again in Meriden.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Meriden is about $22 a month. As you can see in the table above, female drivers in the area typically pay $112 on average, while female drivers typically pay $134 each 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 Meriden, a driving record with a single accident will usually get you a rate around $112 a month. Similarly, drivers with one ticket will typically pay around $104 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$221|
|15 Years or Older||$100|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Meriden, with drivers paying around $87 per month for insurance coverage.
SUV drivers will see rates of about $118 to insure their car, while car owners usually pay around $127 per month.
Your rates can also vary depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Meriden, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$131|
More often than not, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
In Meriden, the difference in rates based on relationship status can be as much as $42 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$175|
Another factor taken into consideration is your living situation. Those who own their own home in Meriden can expect to pay around $16 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Meriden, CT
Recent trends in car insurance for Meriden drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
Policy premiums in Meriden have been mixed recently. They fell in 2016, increased in 2018, and dropped again in 2020, before finishing at $97 in 2021.
How does Meriden compare to neighboring areas?
Why are car insurance rates in Meriden different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Off-street parking accessibility
- Regional regulations
- Crime rates
- Frequency of car accidents
- Total number of drivers in the region
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Meriden?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Meriden.
Meriden Insurance FAQs
What factors affect car insurance quotes in Meriden?
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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Meriden 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, local laws, 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 Meriden?
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 Meriden?
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. 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 Meriden 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?