Study: Simsbury Auto Insurance Cheaper than Most Places in CT

A website studying auto insurance rates in 69 cities and towns across Connecticut found that, other factors being equal, it’s less expensive to insure a car in Simsbury than in most of the rest of the state.

According to the ValuePenguin website, insurance for its benchmark cars would cost $1,530 in Simsbury and $1,694 on average for the communities surveyed across the state. That’s a $164 difference, or a bit more than $3 a week.

The same insurance would cost $1,500 in Avon, $1,522 in Torrington, $1,749 in Bloomfield $2,094 in West Hartford ($564 more expensive than Simsbury) and $2,247 in Hartford (the most expensive place to get insurance out of all the communities covered in the survey and $717 more expensive per year than Simsbury).

Among the cities and towns surveyed, the least expensive is Mystic, where the same car could be insured for $1,484 (only $46 cheaper than Simsbury). Simsbury was the 16th least expensive of the 69 communities surveyed.

Here’s how ValuePenguin.com said it conducted the survey:

“We looked at rates in Connecticut for two sample drivers in 69 cities within the state: a single 30 year old male and a single 65 year old male driver. They own in full and drive a 2010 Toyota Camry back and forth from work, for the most part, about 12,000 miles a year. They also have good credit history and a great driving record with no accidents or traffic violations in the past five years.

“Costs are based on basic liability protection for the 2010 Toyota Camry, and provides about twice the minimum liability required in Connecticut. Connecticut requires minimum auto insurance liability of $20,000 per person for bodily injury protection and up to $40,000 per accident, and $10,000 for property damage per accident.

Included in our study are national insurance companies such as Allstate, State Farm, and GEICO, as well as regional companies like Middlesex Mutual Auto Insurance.”