West Hartford, CT Car Insurance

On average, drivers in West Hartford pay around $85 per month for their car insurance. For more information refer to our guide below.
How much can residents of West Hartford expect to pay for their car insurance? Are rates in West Hartford higher or lower than those in neighboring areas? How do they compare to the rest of Connecticut? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in West Hartford?

Area Average Monthly Car Insurance Premium
West Hartford$85
CT$114
United States$81

Based on the above chart, auto insurance policies in West Hartford are about $29 a month cheaper than in the rest of Connecticut.

Drivers relocating the West Hartford should take note of the differences in average rates. You can expect to pay about $4 more for your policy in West Hartford.

While these numbers represent the average monthly payments for coverage in West Hartford, that doesn't mean it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rates for West Hartford residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$138
25-34$77
35-44$93
45-54Not Enough Data
55-64$64
65+$96

It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay significantly 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 age, however, your rates may rise again in West Hartford.

Average Car Insurance Rates by Gender

Gender Average
Male$90
Female$80

Car insurance rates for women are generally cheaper than they are for men. In West Hartford, male drivers pay about $10 more 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 $90 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$97
Multiple Accidents$141
1 Ticket$95
Multiple Tickets$100

One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. Drivers in West Hartford with one accident will pay around $97 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $95.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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$78
2-3 Years$103
4-5 Years$103
6-7 Years$93
8-10 Years$69
11-14 Years$81
15 Years or Older$91

According to the first table above, the cheapest vehicles to insure in West Hartford are typically trucks and vans, at $65 per month.

Car owners will see a monthly rate of about $82, while SUV owners by and large pay around $99 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In West Hartford, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$90
Married$64
Divorced$71
Widowed$97

Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in West Hartford can be as much as $26 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$78
Rent$89
Live with parents$117

One other element taken into consideration is your housing situation. If you rent your home or apartment in West Hartford, expect to pay around $11 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in West Hartford, CT

Recent trends in car insurance for West Hartford drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

In West Hartford, the rates for car insurance declined from 2017-2018, and again, from 2020-2021. Insurance rates finished up in 2022, at $92.

How does West Hartford compare to neighboring areas?

Why are car insurance rates in West Hartford different from other areas?

When considering how much to charge for coverage, car insurance companies will review a number of factors. 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
  • Crime levels
  • Regional laws
  • Amount of drivers in the community
  • Road safety

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in West Hartford?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in West Hartford.

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West Hartford Insurance FAQs

What factors affect car insurance quotes in West Hartford?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in West Hartford different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in West Hartford?

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 West Hartford?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 West Hartford 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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