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How much is car insurance in Vernon Rockville?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Vernon Rockville is about $37 a month cheaper than it is for the rest of Connecticut.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Vernon Rockville is rather affordable. It's about $4 cheaper to insure your vehicle in Vernon Rockville compared to the average rate for the United States as a whole.
Although these are the average rates for auto insurance in Vernon Rockville, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Vernon Rockville so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Vernon Rockville may see their rates creep back up once they hit retirement age.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their car, this is not the case in Vernon Rockville, where female drivers pay around $88 per month while male drivers pay about $65.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. In Vernon Rockville, having a single accident on your record will usually get you rates around $121 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $112.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$80|
In terms of affordable coverage, the cheapest vehicles to insure in Vernon Rockville are usually trucks and vans, at $63 per month.
Car owners will see a monthly rate of about $78, while SUV owners typically pay around $83 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Vernon Rockville, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$81|
Overall, those who are currently married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Vernon Rockville, the difference in rates based on relationship status can be as much as $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$66|
One other element taken into consideration is your housing situation. In Vernon Rockville, homeowners can expect to pay around $22 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
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 shopping for coverage.
In Vernon Rockville, auto insurance rates have been mixed over the past few years. They rose in 2017, dropped in 2019, and increased again in 2021, before finishing at $130 in 2022.
How does Vernon Rockville compare to neighboring areas?
Why are car insurance rates in Vernon Rockville different from other areas?
Car insurance companies will consider several factors when trying to decide 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:
- Number of drivers in the area
- Community regulations
- Crime levels
- Frequency of car accidents
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing 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 learn more.
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.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies 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 like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Vernon Rockville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Vernon Rockville?
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 Vernon Rockville?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Vernon Rockville or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.