New Milford, CT Car Insurance

Residents of New Milford pay, on average, about $85 per month for car insurance. To learn more about policy rates and coverage in the New Milford area, continue reading our guide below.
What should residents of New Milford expect to pay for their car insurance? How does New Milford compare to the surrounding area and the rest of Connecticut? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in New Milford?

Area Average Monthly Car Insurance Premium
New Milford$85
CT$113
United States$80

Looking at the chart above, you can see it's around $28 a month cheaper to insure your vehicle in New Milford than it is in the rest of Connecticut.

If you're considering relocating to New Milford from out of state, you may want to budget a little extra for your insurance. It's about $5 more expensive for coverage in New Milford than the average rates for the U.S. as a whole.

These rates may be the average amount New Milford residents pay for their insurance policy, 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 get your vehicle insured. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've analyzed the average rate for New Milford and broken down the different factors to help you understand what your monthly bill might look like. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$228
25-34$80
35-44$58
45-54Not Enough Data
55-64$69
65+$81

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates start to rise again once you hit retirement age in New Milford.

Average Car Insurance Rates by Gender

Gender Average
Male$112
Female$70

Car insurance rates for men are usually slightly more expensive than they are for women. This is true in New Milford, where women pay around $42 less per month. Based on the chart above, you can see that female drivers pay around $70 on average, while male drivers typically pay $112 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$109
Multiple AccidentsNot Enough Data
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In New Milford, drivers with one accident on their record will experience rates around $109 a month.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$51
2-3 Years$68
4-5 Years$75
6-7 Years$58
8-10 Years$64
11-14 Years$73
15 Years or Older$130

According to the first table above, the cheapest vehicles to insure in New Milford are usually cars, at $72 per month.

Truck and van drivers will see rates of about $76 to insure their vehicle, while SUV owners by and large pay around $116 a month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. In New Milford, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$89
Married$66
Divorced$68

On average, those who are currently married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

In New Milford, the difference in rates based on relationship status can be as much as $23 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$64
Rent$99
Live with parents$75

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $35 a month more than if you own your own home in New Milford. Those who live with their parents, however, can expect to pay a lot more.

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 car insurance premiums.

Car Insurance Companies in New Milford, CT

Recent trends in car insurance for New Milford 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.

In New Milford, auto insurance rates declined from 2016-2018, before rising from 2019-2020. They finished down in 2021 at $72.

How does New Milford compare to neighboring areas?

Why are car insurance rates in New Milford different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

  • Number of car accidents
  • Number of drivers in the region
  • Regional crime rates
  • Amount of off-street parking
  • Regional 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. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in New Milford?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in New Milford.

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New Milford Insurance FAQs

What factors affect car insurance quotes in New Milford?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in New Milford different from other neighboring cities?

Crime rates, local laws, and parking situations -- 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 New Milford?

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 Milford?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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, 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 New Milford 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.

Find your best rate in just a few minutes