How Much are Car Insurance Quotes for 16 Year Olds in Connecticut?

The words “economical” and “auto insurance” probably shouldn’t be used together, especially when searching for the best insurance rates for 16 year olds. Because of the high cost, let’s lead off by showing you some situations that significantly impact insurance premiums, and see if you can take a little off the next policy you buy.

One of the more important components that insurance companies take into consideration when calculating auto insurance rates is where your car is garaged in Connecticut. Cities that have higher claim levels or more people like Hartford, Bridgeport, and West Haven tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.

The next table displays the most expensive places in Connecticut for 16 year olds to buy car insurance in.

Table data uses comparative as the specific area where the vehicle is garaged can change premium rates substantially.

The make and model of vehicle driven is one of the primary factors when comparing cheaper coverage for 16 year olds. Vehicles with higher performance characteristics, a lack of safety features, or a track record of large liability claims will cost significantly more to insure than safer models. The lists below showcases auto insurance prices for some of the cheapest vehicles to insure.

Prices above based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in Connecticut location which can impact price quotes considerably.

Prices based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific location which can influence auto insurance rates significantly.

Prices based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific garaging location which can revise rates considerably.

Trying to find low-cost insurance is hard enough, and determining which companies offer the most affordable insurance rates for 16 year olds will take even more shopping around. Insurance premiums will probably be quite a bit more expensive than the average price in Connecticut due to the potentially higher risk associated with offering insurance for new drivers, but reasonably-priced insurance should be obtainable if you compare enough companies. Each auto insurance company has their own process to determine premium rates, so first we will examine the insurance companies with the overall cheapest rates in Connecticut.

It’s important to understand that Connecticut insurance rates are impacted by many things which can substantially decrease or increase the price of coverage. Price variation is why it is crucial to perform an extensive rate comparison to find the lowest insurance quotes for 16 year olds. Auto insurance prices are calculated by many factors and change dramatically, so the lowest-price company the last time you compared rates may now be one of the higher cost companies.

Best Auto Insurance Prices for Teens

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Utica National may have some of the lowest car insurance rates in Connecticut at around $965 per year. Travelers, Amica, USAA, and Nationwide also make the cut as some of the most economical Connecticut insurance companies.

In the above example, if you are a customer of USAA and switched to Utica National, you might see savings of in the vicinity of $306. Connecticut drivers with Nationwide may save as much as $474 a year, and MetLife insureds might lower prices by $599 a year.

To find out how your current rates compare, click here to start your free quote or visit several of the following companies.

Remember that these policy prices are averaged across all drivers and vehicles in Connecticut and and are not calculated with a price increase for 16 year olds. So the car insurance company that is best for you may not even be included in the chart above. That’s why you need to get auto insurance quotes using your own specific driver and vehicle information.

Discount Connecticut car insurance rates

Insurance companies that offer cheap auto insurance for 16 year olds in Connecticut may additionally offer policy discounts that could potentially reduce rates by as much as 35% or more if you qualify. The best insurance companies and a summarized list of policyholder discounts are included below.

The illustration below visualizes the comparison of insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no claims or driving violations, Connecticut state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with continuous coverage, paperless filing, good student, vehicle safety, passive restraint, and paid-in-full discounts applied. When taking advantage of discounts, the average savings per year on insurance for 16 year olds is % or $.

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The diagram below illustrates how your deductible choice can influence insurance premiums when researching cheap insurance for 16 year olds. The premium estimates are based on a single male driver, full coverage, and no discounts are factored in.

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The data above shows that a 40-year-old driver could pocket $384 a year by changing from a $100 deductible up to a $500 deductible, or save $578 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could lower their rates $1,280 or more by choosing larger deductibles on their policy.

If you do make the decision to raise your deductibles, it will be necessary to have emergency funds available to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Geico, Allstate, Progressive, or State Farm: Which is best?

If you’re looking for the cheapest auto insurance for new drivers in Connecticut, four of the larger companies to compare rates for are Geico, Allstate, Progressive, and State Farm. The next table illustrates ratings and policy coverage options shoppers can find with each company.