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How much is car insurance in West Hartford?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in West Hartford is about $29 cheaper than it is in the rest of Connecticut.
Drivers relocating the West Hartford should take note of the differences in average rates. It's about $4 more expensive for coverage in West Hartford than the average rates for the U.S. as a whole.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for West Hartford to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may climb back up a bit in West Hartford.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in average rates in West Hartford totals about $9 per month. As you can see in the table above, female drivers in the area typically pay $80 on average, while female drivers typically pay $89 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In West Hartford, having a single accident on your record will usually get you rates around $97 a month. Similarly, drivers with one ticket will typically pay around $117 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$94|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in West Hartford, with drivers paying around $63 per month for insurance coverage.
SUV drivers will see rates of about $101 to insure their car, while car owners typically pay around $81 a month.
Your rates can also vary depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In West Hartford, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
More often than not, those who are currently married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
In West Hartford, the difference in rates based on relationship status can be as much as $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$117|
Another factor that comes into play is your housing status. In West Hartford, homeowners can expect to pay around $8 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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 West Hartford, CT
Recent trends in car insurance for West Hartford drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In West Hartford, the rates for auto insurance went up from 2015-2017, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $63 per month.
How does West Hartford compare to neighboring areas?
Why are car insurance rates in West Hartford different from other areas?
Car insurance companies will take into account a variety of factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Amount of off-street parking
- Regional regulations
- Crime rates
- Number of drivers
- Road Safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 West Hartford?
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. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer plans in West Hartford.
West Hartford Insurance FAQs
What factors affect car insurance quotes in West Hartford?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in West Hartford different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 West Hartford?
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 West Hartford?
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?
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 West Hartford 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.