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How much is car insurance in Vernon Rockville?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Vernon Rockville is about $40 cheaper than it is in the rest of Connecticut.
Similarly, the expected monthly payments for an auto insurance policy in Vernon Rockville are below the national average. It's about $7 cheaper than the national average to insure your vehicle in Vernon Rockville.
While these are the average car insurance rates for Vernon Rockville, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down average rates for Vernon Rockville to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $99 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may begin to go back up in Vernon Rockville.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Vernon Rockville, where female drivers pay around $19 more a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Vernon Rockville, having a single accident on your record will usually get you rates around $124 a month. In addition, drivers with one ticket can expect to pay around $89 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$80|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Vernon Rockville, with drivers paying around $63 per month for auto insurance coverage.
Car owners can expect to pay an average of around $69 a month for their policy, while SUVs usually cost around $86 a month to insure.
Your rates can also vary depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you may start to see your monthly premium decrease. In Vernon Rockville, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
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 some companies will reward with discounts.
In Vernon Rockville, the difference in rates based on relationship status can be as much as $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
Another factor that comes into play is your housing status. If you rent your home or apartment in Vernon Rockville, expect to pay around $16 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Vernon Rockville, CT
Recent trends in car insurance for Vernon Rockville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for auto insurance in Vernon Rockville decreased from 2016-2017, where they reached a low of $66, before leveling out in 2018. Rates decreased again in 2019, and finished up at $69 in 2021.
How does Vernon Rockville compare to neighboring areas?
Why are car insurance rates in Vernon Rockville different from other areas?
Car insurance companies take in several factors when deciding how much individual insurance policies will cost. Many factors affecting your policy are based around your home address. These factors include things like:
- Amount of drivers in the region
- Crime levels
- Local regulations
- Off-street parking access
- Road Safety (total number of local car accidents)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about 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 Vernon Rockville?
While getting familiar with 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.
But hold on! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies offering coverage in Vernon Rockville.
Vernon Rockville Insurance FAQs
What factors affect car insurance quotes in Vernon Rockville?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Vernon Rockville different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Vernon Rockville?
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 Vernon Rockville?
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Vernon Rockville 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.