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How much is car insurance in West Haven?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in West Haven will typically run you about $19 a month more than in the rest of Connecticut.
Likewise, West Haven residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment for the rest of the U.S. is about is about $52 cheaper than it is in West Haven.
Although these are the average rates for auto insurance in West Haven, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for West Haven residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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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 really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay two times as much as 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 begin to go back up in West Haven.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In West Haven, this difference shakes out to about $16 per month. As you can see in the table above, female drivers in the area typically pay $123 on average, while female drivers typically pay $139 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In West Haven, a driving record with a single accident will usually get you a rate around $140 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $165.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
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, trucks and vans are usually the cheapest vehicles to insure in West Haven, with drivers paying around $104 per month for auto insurance.
SUV drivers will see rates of about $134, while the rates for car owners average out to about $136 a month.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In West Haven, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$140|
Generally, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor 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 $46 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
Your living accommodations is another factor that affects your monthly rate. The average rates for both homeowners and renters in West Haven are around $133 per month.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in West Haven, CT
Recent trends in car insurance for West Haven drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of car insurance coverage in West Haven decreased from 2017-2019, before steadying out in 2020. Policy premiums finished up in 2022, at $141 per month
How does West Haven compare to neighboring areas?
Why are car insurance rates in West Haven different from other areas?
Car insurance companies will take into account several factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Frequency of car accidents
- Local crime rates
- Total number of drivers in the community
- Area laws
- Off-street parking accessibility
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 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.
Luckily, Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing coverage in West Haven.
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West Haven Insurance FAQs
What factors affect car insurance quotes in West Haven?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in West Haven 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 West Haven?
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 West Haven?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to West Haven or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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