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How much is car insurance in Stratford?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Connecticut are about $7 a month cheaper than the rates drivers pay in Stratford.
If you're considering relocating to Stratford from out of state, you may want to budget a little extra for your insurance. You can expect to pay about $40 more for your policy in Stratford.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rates for Stratford residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $105 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may rise again in Stratford.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The price to insure your car in Stratford, however, is about the same for either group.
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. In Stratford, drivers with one accident on their record will experience rates around $122 a month. Similarly, drivers with one ticket will typically pay around $130 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$94|
|15 Years or Older||$119|
In Stratford, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $97 per month for insurance.
Car owners, on the other hand, by and large pay around $126 per month, while SUV drivers can expect to pay about $121 a month to insure their vehicle.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Stratford, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$128|
Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
In Stratford, the difference in rates based on relationship status can be as much as $39 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$167|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $1 less than homeowners in Stratford. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Stratford, CT
Recent trends in car insurance for Stratford drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
Auto insurance rates in Stratford have been mixed as of late, they rose in 2017, dropped in 2019, and increased again in 2021, before finishing at $122 in 2022.
How does Stratford compare to neighboring areas?
Why are car insurance rates in Stratford different from other areas?
There are numerous factors car insurance companies will consider when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around your home address. These factors include things like:
- Off-street parking availability
- Road Safety (total number of local car accidents)
- Community laws
- Total number of drivers in the region
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. Knowing 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 Stratford?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Stratford.
Stratford Insurance FAQs
What factors affect car insurance quotes in Stratford?
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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Stratford different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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 Stratford?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Stratford?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Stratford 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.