Bridgeport Insurance Rates:

Bridgeport, CT home insurance is roughly $714 to $971, about $59-$80/month. Our in depth analysis indicates shoppers can save upto $337 by comparing many quotes

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Bridgeport Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Hartford Insurance Group
Home Insurance Rate of $700/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 1470 sqft Primary Residence Constructed In 1964 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $1140/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

2 Beds, 2 Bath 1440 sqft Rental Property Constructed In 1973 with Wood Flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1210/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1210 sqft Vacation Property Constructed In 1974 with Carpet over wood flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $70/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 1600 sqft Rental Property Constructed In 1967 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Male who is Retired with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $770/5 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1340 sqft Primary Residence Constructed In 1931 with Stone Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Bridgeport Rates & Quotes Analysis:

Bridgeport Area Estimated House Insurance
Roger Williams Rd, W Liberty St, Huron St, Bailey St, Bostwick Ave, Lillian Dr, Myron Ave, Kiefer St, Ranch Dr, Buena Way$903
Shelton St, Flower St, Wheeler Ave, Burton Ave, Waterview Ave, Indian Ave, Beverly Pl, Merchant St, Royce Pl, Sequoia Rd$834
Dale St, Cleveland Ave, Eaton St, Lynne Pl, Albion St, Perronette Dr, Sidney St, Country Ln, Davenport St, Dover St$862
Ochsner Pl, Admiral St, Vine St, Little Deer Rd, Island Brook Ave, Linda Dr, Minturn Pl, McKinley Ave, Granfield Ave, Brewster St$847
Jennifer Dr, Middlebrooks Ave, Ruth St, Beechwood Ave, White Oak Rd, Cartright St, Laurel Pl, Columbus Pl, Brooks St, Berkshire Ave$829
Beardsley St, Evers Ct, Hazel Ave, Ezra St, Rennell St, Mountford St, Elmwood Ave, Calhoun Pl, Remer St, Scott Ln$803
Washington Ter, Hallock St, Dewhirst St, Evers St, Taylor Dr, Sullivan Pl, Tina Cir, Wallace Ct, Vincellette St, Calvert Pl$835
N Bishop Ave, Somers St, Hazelwood Ave, Logan St, Turner St, Powell Pl, Wall St, Vincellette St, Taits Mill Rd, Forestview Rd$852
Clarkson St, Arcadia Ave, Dekalb Ave, Unquowa Hill St, Indian Ave Exd, Anchorage Dr, Scott St, Singer Ave, Minturn Rd, Columbia Ct$852
Canaan Rd, Central Ave, Connecticut Tpke, Madison Ter, Midland St, Chalmers Ave, Merriam St, Pembroke St, Gibson Ave, Lombard Ct$899

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,866 Homes (13% of total homes ) built between 1940 to 1949 in Bridgeport are paying home insurance between $1,694-$1,707. Places close to Bridgeport, CT such as Stratford, Fairfield, Trumbull are more expensive by $46, $262, $150 respectively while Old Field(NY) and Belle Terre(NY) are cheaper by $157 and $187 respectively for similar homes.
  • Bedrooms: 20,068 2 bedrooms homes (35% of total homes ) in Bridgeport are paying about $380 and varies from Stratford (+$10), Fairfield (+$58), Trumbull (+$33), Old Field(NY) (-$104) and Belle Terre(NY) (-$110).
  • Auto Insurance Bundling: 7,646 Households (34% of all households) in Bridgeport have 2 vehicles available and when it is bundled with home insurance you can save $168. Discounts for similar bundling in close by locations such as Stratford, Fairfield, Trumbull come to $173, $194, $183 respectively.
  • Senior Discounts: 9,784 seniors (more than 55 years) occupied housing units (44% of total) in Bridgeport get discounts between $126 to $128. The comparative concessions in proximate regions such as Stratford, Fairfield and Trumbull are $129, $145 and $137 respectively.
  • New Homes discounts: New homes such as the 12,867 homes built between 2000 to 2009 in Bridgeport can save $168 and similar new home insurance discounts in nearby towns and cities like Stratford, Fairfield and Trumbull are $173, $194 and $183 respectively.

Bridgeport Homeowners insurance Facts

  • Bridgeport, CT has 22,123 owner occupied houses which is 43.5% of all units whereas Stratford, Fairfield and Trumbull have 80.44%, 83.01% and 89.46% respectively.
  • Bridgeport, CT homeowners yearly insurance price at $843 is 0.41% of the typical house value of $206,300 which is in contrast with 0.31% in Stratford, 0.16% at Fairfield & 0.21% in Trumbull.
  • Homeowners in Bridgeport, CT pay 1.12% of their income ($75,000 or more) in insurance whereas homeowners in Stratford, Fairfield and Trumbull pay 1.15%, 1.3% and 1.22% respectively.
  • Bridgeport, CT’s insurance is 3.4% of monthly housing costs of $2,046/month, for owners with a mortgage compared to 3.28% in Stratford, 2.45% at Fairfield & 2.6% in Trumbull. But, for households without a mortgage, insurance is 8.3% of costs ($851 in Bridgeport, CT) in contrast with 8.15% in Stratford, 8.1% at Fairfield & 7.63% in Trumbull.

Bridgeport, CT Home Values & Insurance rates

For example, insurance for 1,001 Homes (4.0% of total homes ) valued between Less than $50,000 in Bridgeport, CT is about $101. Rates in nearby areas in such as Stratford, Fairfield, Trumbull are cheaper by $24, $63, $56 respectively while Heritage Village and Waterbury are costlier by $22 and $22 respectively for similar homes.

Bridgeport, CT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,001 4.0% $101
$50,000 to $59,999 318 1.0% $210
$60,000 to $69,999 316 1.0% $261
$70,000 to $79,999 464 2.0% $303
$80,000 to $89,999 404 1.0% $345
$90,000 to $99,999 365 1.0% $387
$100,000 to $124,999 1,295 6.0% $446
$125,000 to $149,999 1,288 6.0% $556
$150,000 to $174,999 2,700 12.0% $657
$175,000 to $199,999 2,459 11.0% $758
$200,000 to $249,999 3,580 17.0% $918
$250,000 to $299,999 3,141 15.0% $1121
$300,000 to $399,999 3,511 16.0% $1424

Renters Insurance in Bridgeport

  • Average Renters Insurance in Bridgeport :  $182($15/month)

  • Median Gross Rent in Bridgeport :  $1,046

  • Bridgeport Renters Insurance to Median Rent Ratio:  1.43%

  • Renter occupied housing units in Bridgeport :  28,701

Bridgeport Renters Insurance as a Percentage of Rent

Bridgeport Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,026 3.0% $345
$200 to $299 1,366 4.0% $795
$300 to $499 2,000 7.0% $1245
$500 to $749 2,815 9.0% $1920
$750 to $999 5,760 20.0% $2670
$1,000 to $1,499 10,932 38.0% $3795
$1,500 or more 4,293 15.0% $5445

Rent Affordability in Bridgeport:

Approximately 55.0% (15,969) of households are spending more than 35% of their income on gross rent in Bridgeport

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,040 7.0%
15.0 to 19.9 percent 2,535 8.0%
20.0 to 24.9 percent 2,446 8.0%
25.0 to 29.9 percent 3,367 11.0%
30.0 to 34.9 percent 2,344 8.0%
35.0 percent or more 15,969 55.0%

Protective device discount in Bridgeport Up to :  $27

Claims-free discount in Bridgeport Up to :  $36