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How much is car insurance in Willimantic?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the average cost of auto insurance in Connecticut is about $25 a month more expensive than it is in Willimantic.
Drivers relocating the Willimantic should take note of the differences in average rates. Coverage in Willimantic is about $8 more expensive than it is for the rest of the U.S.
These may be the average auto insurance rates for Willimantic, but 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. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't sweat it however, we've broken down average rates for Willimantic residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and 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 older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $92 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may rise again in Willimantic.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance coverage, Willimantic actually bucks this trend. While female drivers pay $97 per month to insure their car, males only pay about $81.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Willimantic with one accident will pay around $103 a month. Similarly, drivers with one ticket will typically pay around $153 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$90|
As you can see in the first table above, the cheapest vehicles to insure in Willimantic are typically SUVs, which run about $65 per month.
Truck and van drivers will see rates of about $83 to insure their vehicle, while car owners usually pay around $98 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Willimantic, 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)||$91|
Generally speaking, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
In Willimantic, the difference in rates based on relationship status can be as much as $29 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
Another factor that comes into play is your housing situation. Those who own their own home in Willimantic can expect to pay around $32 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Willimantic, CT
Recent trends in car insurance for Willimantic drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Willimantic, auto insurance rates decreased from 2017-2018, before steadying out in 2019. Car insurance rates began decreasing again in 2020, and finished up in 2022, at $110.
How does Willimantic compare to neighboring areas?
Why are car insurance rates in Willimantic different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Off-street parking access
- Frequency of car accidents
- Amount of drivers in the region
- Regional regulations
- Prevalence of crime
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Willimantic?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Willimantic.
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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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Willimantic 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 Willimantic?
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 Willimantic?
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Willimantic or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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