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How much is car insurance in West Haven?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in West Haven are about $21 a month more expensive than the rest of Connecticut.
Similarly, West Haven residents will likely pay higher rates for their insurance policy than the rest of the country. Coverage in West Haven is about $54 more expensive than it is for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for West Haven, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.
But don't worry, we've broken down average rates for West Haven residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, 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. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up in West Haven.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in West Haven, where male drivers pay about $23 more a month. Based on the chart above, you can see that male drivers pay $143 on average, while female drivers typically pay $120 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in West Haven with one accident will pay around $135 a month. Similarly, drivers with one ticket will typically pay around $152 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$180|
|15 Years or Older||$122|
According to the first table above, the cheapest vehicles to insure in West Haven are by and large trucks and vans, at $111 per month.
SUV drivers will see rates of about $140, while the rates for car owners average out to about $134 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. In West Haven, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$141|
Generally, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. West Haven is no exception, with the difference totaling to around $48 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$163|
One other element taken into consideration is your living situation. Renters can expect to pay around $8 a month less than homeowners in West Haven. But if you live with your parents, you 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 overall costs.
Car Insurance Companies in West Haven, CT
Recent trends in car insurance for West Haven drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
In West Haven, the rates for car insurance increased from 2016-2017, when they reached a high of $140. This changed in 2018, when they began to decrease again. They finished down in 2021, at $124 a month
How does West Haven compare to neighboring areas?
Why are car insurance rates in West Haven different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Off-street parking access
- Crime levels
- Number of drivers in the area
- Number of car accidents
- Local laws
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing 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 corner of the world.
How can I find the cheapest car insurance in West Haven?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in West Haven.
West Haven Insurance FAQs
What factors affect car insurance quotes in West Haven?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in West Haven different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 Haven?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to West Haven?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to West Haven or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.