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How much is car insurance in South Windsor?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $18 a month cheaper to insure your vehicle in South Windsor than it is in the rest of Connecticut.
If you're considering relocating to South Windsor from out of state, you may want to budget a little extra for your insurance. It's around $15 more expensive for coverage in South Windsor than the average rates seen in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for drivers in South Windsor, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. 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.
Don't worry, we've done the work for you and broken down the average rates for South Windsor to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can snag you some serious savings when it comes to auto insurance. 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. Drivers in South Windsor may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for car insurance, South Windsor actually defies this trend. While female drivers pay $97 per month to insure their car, males only pay about $93.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in South Windsor with a single accident will pay around $85 a month. In addition, drivers with a single ticket on their record can expect to pay around $116 a month on average.
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||$113|
The cheapest vehicles to insure in South Windsor are usually cars, with each type typically costing about $91 per month.
SUV owners will see rates of about $105, while truck and van owners by and large pay around $115 a month.
Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in South Windsor are vehicles fifteen years and older and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$96|
More often than not, those who are currently married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
The cost of auto insurance in South Windsor reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $30 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$120|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $11 less than those who own their own home in South Windsor. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in South Windsor, CT
Recent trends in car insurance for South Windsor 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.
The rates for auto insurance in South Windsor dropped from 2017-2018, when they hit a low of $102. This pattern leveled out in 2021, when they began to rise, and have continued moving in that direction through the present, where insurance rates finished at $95 per month.
How does South Windsor compare to neighboring areas?
Why are car insurance rates in South Windsor different from other areas?
Car insurance companies will take into account numerous factors when figuring out how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Regional regulations
- Total number of drivers in the community
- Road Safety (total number of local car accidents)
- Prevalence of crime
- Off-street parking accessibility
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in South Windsor?
Equipping 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.
But hold on! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in South Windsor.
South Windsor Insurance FAQs
What factors affect car insurance quotes in South Windsor?
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 credit score, driving record, address, and marital status.
Why is the cost of car insurance in South Windsor 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, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in South Windsor?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to South Windsor?
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, 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.