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How much is car insurance in Willimantic?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $25 a month cheaper to insure your vehicle in Willimantic than it is in the rest of Connecticut.
On the other hand, residents of Willimantic might expect to pay higher rates for coverage than the rest of the country. The average monthly payment in Willimantic is about $8 more expensive than the rate for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Willimantic, and that the rate you get could end up being something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Willimantic and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Willimantic drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Willimantic, where female drivers pay around $101 per month while male drivers pay about $69.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. The rate for drivers in Willimantic with a single accident on their record is about $103 a month. In addition, drivers with one ticket can expect to pay around $144 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$81|
The cheapest vehicles to insure in Willimantic are usually trucks and vans, with each type typically costing about $65 per month.
SUV drivers will see rates of about $73, while the rates for car owners average out to about $96 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Willimantic 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)||$92|
Overall, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Willimantic is no exception, with the difference totaling to around $33 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$49|
Another factor that comes into play is your housing situation. If you rent your home or apartment in Willimantic, expect to pay around $36 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Willimantic, CT
Recent trends in car insurance for Willimantic drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Willimantic, the rates for car insurance went up from 2016-2017, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $67.
How does Willimantic compare to neighboring areas?
Why are car insurance rates in Willimantic different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Number of car accidents
- Crime levels
- Total amount of drivers in the community
- Area regulations
- Amount of off-street parking
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 Willimantic?
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.
Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Willimantic.
Willimantic Insurance FAQs
What factors affect car insurance quotes in Willimantic?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Willimantic different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Willimantic?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Willimantic?
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?
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 Willimantic 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.