Table of contents
How much is car insurance in Stratford?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $6 a month more expensive to insure your vehicle in Stratford than it is in the rest of Connecticut.
Likewise, Stratford residents should prepare to pay higher rates for coverage than the rest of the country. It's around $39 more expensive for coverage in Stratford than the average rates seen in the rest of the U.S.
While these are the average car insurance rates for Stratford, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But don't worry, we've broken down the average rate for Stratford residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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 makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates climb back up in Stratford.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Stratford is about $12 per month. As illustrated in the table above, female drivers in the area pay about $112 on average, while male drivers pay around $124 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Stratford with a single accident on their record will usually see rates around $123 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $116.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$109|
If you look at the first table above, the cheapest vehicles to insure in Stratford are typically trucks and vans, at $83 per month.
Car owners can expect to pay an average of around $124 a month for their policy, while SUVs usually cost around $123 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Stratford, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$127|
Overall, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Stratford follows that pattern, with the difference totaling to around $46 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$167|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $4 less than those who own their own home in Stratford. But those who live at home with their parents can expect to pay significantly 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 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 deciding on where to shop.
Car insurance rates in Stratford had been decreasing from 2016-2017, before steadying out in 2018. Insurance rates have been decreasing again recently, and were down to $83 in 2021.
How does Stratford compare to neighboring areas?
Why are car insurance rates in Stratford different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Road Safety (total number of local car accidents)
- Amount of off-street parking
- Number of drivers in the community
- Prevalence of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing policies in Stratford.
Stratford Insurance FAQs
What factors affect car insurance quotes in Stratford?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Stratford 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 crime rates, local laws, 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 Stratford?
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 Stratford?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Stratford or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?