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How much is car insurance in South Windsor?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in South Windsor are about $15 a month cheaper than in the rest of Connecticut.
The average cost of insuring your vehicle in South Windsor is above the national rate. It's around $18 more expensive to insure your vehicle in South Windsor compared to the average rate for the rest of the U.S.
Although these are the average rates for auto insurance in South Windsor, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've done the heavy lifting for you and broken down the average rate for South Windsor so that you can get a more accurate idea of what your monthly bill 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates climb back up a bit in South Windsor.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for auto insurance coverage, in South Windsor men actually pay $92 per month for coverage while women pay $101.
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 much less than those with multiple infractions. In South Windsor, drivers with one accident on their record will experience rates around $85 a month. In addition, drivers with a single ticket on their record can expect to pay around $84 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|2-3 Years||Not Enough Data|
|15 Years or Older||$118|
If you look at the first table above, you'll see that cars are by and large the cheapest vehicles to insure in South Windsor, with drivers paying around $92 per month for insurance coverage.
Truck and van drivers will see rates of about $115, while the rates for SUV owners average out to about $109 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In South Windsor, vehicles fifteen years and older and four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$99|
Overall, people who are married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The difference in rates based on relationship status in South Windsor is about $47 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||$120|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $24 a month less than those who own their own home in South Windsor. 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 car insurance premiums, depending on your insurance company.
Car Insurance Companies in South Windsor, CT
Recent trends in car insurance for South Windsor drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
The rates for auto insurance in South Windsor decreased from 2017-2018, where they reached a low of $102, before leveling out in 2019. Car insurance rates have been decreasing again since 2020, and finished down at $48 in 2021.
How does South Windsor compare to neighboring areas?
Why are car insurance rates in South Windsor different from other areas?
Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Total number of drivers in the region
- Road Safety (how many accidents each locality has)
- Local laws
- Availability of off-street parking
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. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in South Windsor?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies in South Windsor.
South Windsor Insurance FAQs
What factors affect car insurance quotes in South Windsor?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 South Windsor different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in South Windsor?
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 South Windsor?
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, 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 South Windsor 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.