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How much is car insurance in New Britain?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in New Britain are about the same as the rest of Connecticut.
Compared to the national average cost of auto coverage, New Britain has higher rates. The average monthly payment in New Britain is about $35 more expensive than the rate for the rest of the U.S.
Although these are the average rates for auto insurance in New Britain, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't worry, we've done the work for you and broken down the average rates for New Britain to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. New Britain drivers may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While male drivers actually pay a little bit less than female drivers on their monthly auto coverage, the difference in New Britain is only about $1 per 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. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. The rate for drivers in New Britain with a single accident on their record is about $146 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $163 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$122|
|15 Years or Older||$121|
If you look at the first table above, the cheapest vehicles to insure in New Britain are typically trucks and vans, at $100 per month.
Car owners can expect to pay an average of around $121 a month for their policy, while SUVs usually cost around $111 a month to insure.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In New Britain, 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)||$122|
On average, people who are married will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for New Britain as well, where the difference is around $24 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$181|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $27 a month more than drivers who own property in New Britain. Those who live with their parents, however, can expect to pay a lot more.
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 overall costs.
Car Insurance Companies in New Britain, CT
Recent trends in car insurance for New Britain drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in New Britain rose from 2017-2018, when they hit a high of $137, but started to turn downward from 2019-2020. They finished down in 2022, at $109 a month.
How does New Britain compare to neighboring areas?
Why are car insurance rates in New Britain different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Total amount of drivers in the area
- Crime levels
- Number of car accidents
- Amount of off-street parking
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. 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 New Britain?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in New Britain.
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New Britain Insurance FAQs
What factors affect car insurance quotes in New Britain?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in New Britain different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in New Britain?
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 New Britain?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 New Britain 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?
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