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How much is car insurance in Shelton?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $19 a month cheaper to insure your vehicle in Shelton than it is in the rest of Connecticut.
Compared to the national average cost of auto coverage, Shelton has higher rates. The cost of auto coverage in Shelton is about $14 more expensive than the national average.
These may be the average auto insurance rates for Shelton, 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 policy payment.
We've done the heavy lifting for you and broken down the average rate for Shelton so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may rise again in Shelton.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Shelton, where female drivers pay around $27 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay much less than those with multiple infractions. The rate for drivers in Shelton with a single accident on their record is about $161 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $60.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$51|
|15 Years or Older||$106|
As you can see in the first table above, the cheapest vehicles to insure in Shelton are typically trucks and vans, which run about $76 per month.
Car owners will see a monthly premium of about $99, while SUV owners usually pay around $91 a month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Shelton are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$99|
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Shelton as well, where the difference is around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Shelton, expect to pay around $18 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Shelton, CT
Recent trends in car insurance for Shelton drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Shelton, auto insurance rates decreased from 2016-2017, where they hit a high of $93, before steadying out in 2018. Rates increased again in 2019, and finished down at $76 in 2021.
How does Shelton compare to neighboring areas?
Why are car insurance rates in Shelton different from other areas?
Car insurance companies look at a lot of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Total amount of drivers in the area
- Availability of off-street parking
- Rate of car accidents
- Area laws
- Crime levels
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Shelton?
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. Just type in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in Shelton.
Shelton Insurance FAQs
What factors affect car insurance quotes in Shelton?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Shelton different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Shelton?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Shelton?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Shelton or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.