How much does car insurance cost in Bridgeport?
Car insurance costs an average of $2,201 per year in Bridgeport, Connecticut. That's more expensive than the average across Connecticut ($1,696) and more expensive than the national average of $1,548. Our guide to Bridgeport car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
BRIDGEPORT CAR INSURANCE RATES
|Bridgeport Average (yearly)||Connecticut Average||United States Average|
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Bridgeport car insurance premiums by insurer
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, GEICO offers Bridgeport's most affordable premiums. We've listed the best cheap car insurance companies in Bridgeport below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
BRIDGEPORT CAR INSURANCE RATES BY COMPANY
|Insurer||Average Rate (annual)|
Bridgeport car insurance premiums by age
The age group that enjoys the lowest auto insurance rates in Bridgeport are drivers in their age_50s, who pay an average of $1,975per year. Those in their age_40s don't pay much more ($2,049).
The Bridgeport drivers who face the priciest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Bridgeport is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Bridgeport is $6,899, the largest such difference between any two age groups.
BRIDGEPORT CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age group||Average Annual Rate|
Bridgeport auto insurance rates by gender and marital status
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Bridgeport pay $83 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Bridgeport, single drivers pay more than those who are widowed.
Gender is another factor that can impact auto insurance costs. The typical male driver in Bridgeport pays $45 more each year for car insurance than does his female counterpart.
BRIDGEPORT CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Gender/Marital Status||Average Yearly Rate|
Bridgeport auto insurance costs by citation and accident history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Bridgeport, a reckless driving citation results in an average insurance rate increase of $1,608 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $1,639 increase and a speeding ticket triggers a $540 rate hike.
BRIDGEPORT CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$3,253|
|At-fault Accident (damages greater than $2,000)||$3,240|
|Speeding Ticket (16-20 mph over speed limit)||$2,740|
Bridgeport car insurance rates by credit level
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Bridgeport drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 57% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Bridgeport, improving your credit to "Fair" could help you earn a $1,573 decrease in yearly insurance premiums.
BRIDGEPORT CAR INSURANCE RATES BY CREDIT SCORE
|Credit Score||Average Annual Rate|