Table of contents
How much is car insurance in Torrington?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $8 a month cheaper to insure your vehicle in Torrington than it is in the rest of Connecticut.
That being said drivers in Torrington may pay higher rates than the rest of the country. It's around $25 more expensive to insure your vehicle in Torrington compared to the average rate for the rest of the U.S.
Keep in mind that while these are the average car insurance rates for Torrington, it isn't guaranteed that it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Torrington so that you can get a more accurate idea of what your policy will cost you. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates begin to go back up once you hit retirement in Torrington.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Torrington, male drivers pay about $14 more a month. As illustrated in the table above, female drivers in the area pay about $98 on average, while male drivers pay around $112 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. Drivers in Torrington with one accident will pay around $138 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $121.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$102|
As you can see in the first table above, the cheapest vehicles to insure in Torrington are usually trucks and vans, which run about $66 per month.
Car owners will see a monthly premium of about $114, while SUV owners by and large pay around $85 per month.
You may also see different rates based on how old your vehicle is. 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. In Torrington, the most expensive vehicles to insure are vehicles six-to-seven years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
Generally speaking, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Torrington is no exception, with the difference totaling to around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$161|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Torrington, homeowners can expect to pay around $3 a month less than those who rent. 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 Torrington, CT
Recent trends in car insurance for Torrington drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Torrington, the rates for car insurance rose from 2016-2017, before trending downward from 2018-2019. They finished down in 2021, at $55.
How does Torrington compare to neighboring areas?
Why are car insurance rates in Torrington different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Local crime rates
- Total number of drivers in the region
- Amount of off-street parking
- Number of car accidents
- Local laws
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Torrington?
Arming 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.
Fortunately, Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Torrington.
Torrington Insurance FAQs
What factors affect car insurance quotes in Torrington?
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 age and gender, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Torrington 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 Torrington?
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 Torrington?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 Torrington 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.