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How much is car insurance in Wallingford?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the Connecticut, coverage in Wallingford is about $10 a month cheaper.
On the other hand, Wallingford residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment in Wallingford is about $23 more expensive than the rate for the rest of the U.S.
While these are the average car insurance rates for Wallingford, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for Wallingford residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay $176 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may rise again in Wallingford.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Wallingford, this difference shakes out to about $14 a month. As illustrated in the table above, male drivers in the area pay about $110 on average, while female drivers pay around $96 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Wallingford, having a single accident on your record will usually get you rates around $130 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $283 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$103|
In Wallingford, the cheapest vehicles to insure are typically cars, with drivers paying around $101 per month for auto insurance coverage.
SUV owners can expect to pay an average of around $104 a month for their policy, while truck and van drivers are usually around $138 to insure each month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Wallingford are vehicles four-to-five years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$110|
Generally speaking, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Wallingford is about $39 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$165|
Another factor that comes into play is your housing status. Renters can expect to pay around $12 a month less than drivers who own property in Wallingford. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Wallingford, CT
Recent trends in car insurance for Wallingford drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
Auto insurance rates in Wallingford rose from 2017-2018, before trending downward from 2019-2020. They finished down in 2022 at $116.
How does Wallingford compare to neighboring areas?
Why are car insurance rates in Wallingford different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Number of drivers in the area
- Area crime rates
- Rate of car accidents
- Community laws
- Availability of off-street parking
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. With the knowledge 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 Wallingford?
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 wait! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Wallingford.
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Wallingford Insurance FAQs
What factors affect car insurance quotes in Wallingford?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Wallingford different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, 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 Wallingford?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Wallingford?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Wallingford 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.
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