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How much is car insurance in Naugatuck?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Naugatuck are about the same as what you would pay anywhere else in Connecticut.
Likewise, drivers in Naugatuck may pay higher rates than the rest of the country. The cost of auto coverage in Naugatuck is about $34 more expensive than the national average.
While these are the average car insurance rates for Naugatuck, 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. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've broken down the average rates for Naugatuck 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 for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $83 more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates climb back up a bit in Naugatuck.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Naugatuck, male drivers pay about $7 more per month. As you can see in the table above, male drivers in the area typically pay $117 on average, while female drivers typically pay $110 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Naugatuck, drivers with one accident on their record will experience rates around $167 a month. In addition, drivers with a single ticket on their record can expect to pay around $315 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$174|
|15 Years or Older||$117|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Naugatuck, with drivers paying around $91 per month for insurance coverage.
Car owners can expect to pay an average of around $118 a month for their policy, while truck and van drivers are usually around $181 to insure each month.
Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Naugatuck, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$117|
Overall, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Naugatuck is about $13 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$135|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $19 less than those who own their own home in Naugatuck. 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 average costs, depending on your insurance company.
Car Insurance Companies in Naugatuck, CT
Recent trends in car insurance for Naugatuck drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Naugatuck, the rates for car insurance dropped from 2016-2018, before rising from 2019-2020. They finished down in 2021 at $84.
How does Naugatuck compare to neighboring areas?
Why are car insurance rates in Naugatuck different from other areas?
Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:
- Amount of off-street parking
- Road Safety (frequency of car accidents)
- Amount of drivers
- Area regulations
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 get started.
How can I find the cheapest car insurance in Naugatuck?
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.
Luckily, Compare.com will handle the heavy lifting for you. Enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Naugatuck.
Naugatuck Insurance FAQs
What factors affect car insurance quotes in Naugatuck?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Naugatuck different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Naugatuck?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Naugatuck?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Naugatuck or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?