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How much is car insurance in Meriden?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Meriden are about the same as what you would pay anywhere else in Connecticut.
That being said residents of Meriden might expect to pay higher rates for coverage than the rest of the country. Coverage in Meriden is about $31 more expensive than it is for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Meriden, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car 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.
Don't worry, we've done the work for you and broken down the average rates for Meriden to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates rise again once you hit retirement in Meriden.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Meriden, the difference comes out to about $20 a month. Looking at the table above, you can see that female drivers pay around $104 on average, while male drivers typically pay $124 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. In Meriden, a driving record with one accident will usually get you a rate around $118 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $120.
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||$93|
As you can see in the first table above, the cheapest vehicles to insure in Meriden are typically trucks and vans, which run about $78 per month.
Car owners will see a monthly rate of about $121, while SUV owners usually pay around $106 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if 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)||$118|
More often than not, married policyholders will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Meriden, with married couples paying about $31 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$175|
Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $11 a month more than if you own your own home in Meriden. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Meriden, CT
Recent trends in car insurance for Meriden drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
The rates for car insurance in Meriden increased from 2017-2019, before trending downward from 2020-2021. They finished up in 2022 at $107.
How does Meriden compare to neighboring areas?
Why are car insurance rates in Meriden different from other areas?
Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Frequency of car accidents
- Amount of drivers in the region
- Availability of off-street parking
- Area laws
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Meriden?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just punch in 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 Meriden.
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Meriden Insurance FAQs
What factors affect car insurance quotes in Meriden?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Meriden different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Meriden?
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 Meriden?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Meriden or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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