Table of contents
How much is car insurance in Windsor?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Windsor typically costs about $19 a month less than it does in the rest of Connecticut.
If you're considering relocating to Windsor from out of state, you may want to budget a little extra for your insurance. The cost of auto coverage in Windsor is about $14 more expensive than the national average.
Bear in mind that while these rates are the average costs for Windsor drivers, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've done the heavy lifting for you and broken down the average rate for Windsor so that you can get a more accurate idea of what your monthly bill might be. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay $110 more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement, your rates may begin to increase again in Windsor.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their vehicle, in Windsor men actually pay $76 per month for coverage while women pay $110.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Windsor, a driving record with one accident will usually get you a rate around $104 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $162.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|2-3 Years||Not Enough Data|
|15 Years or Older||$86|
As you can see in the first table above, the cheapest vehicles to insure in Windsor are usually cars, which run about $84 per month.
Truck and van drivers will see rates of about $105 for auto insurance, while SUV owners typically pay around $116 a month.
Your vehicle's age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Windsor are vehicles six-to-seven years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$95|
More often than not, married policyholders will pay slightly less for insurance coverage. This usually happens because companies will award 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 Windsor can be as much as $10 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
One other element taken into consideration is your housing status. Renters can expect to pay around $15 a month less than those who own their own home in Windsor. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Windsor, CT
Recent trends in car insurance for Windsor 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.
Car insurance rates in Windsor decreased from 2016-2017, before leveling out in 2018. They finished down in 2021, at $47 per month
How does Windsor compare to neighboring areas?
Why are car insurance rates in Windsor different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Crime levels
- Local laws
- General road safety (how many accidents each locality has)
- Amount of off-street parking
- Amount of drivers in the area
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. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Windsor?
While knowing 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.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Windsor.
Windsor Insurance FAQs
What factors affect car insurance quotes in Windsor?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Windsor different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Windsor?
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 Windsor?
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?
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 Windsor or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?