Who Has Cheap Auto Insurance Quotes for Drivers Under 21 in Connecticut?

The make and model of vehicle needing coverage is probably the biggest factor that determines the availablility of the best cheap auto insurance for drivers under 21. 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 more economical and safe models. The information below estimates auto insurance rates for a selection of the cheaper automobiles to buy insurance for.

Data based on single male driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in vehicle garaging location which can alter coverage rates considerably.

Cost estimates assume single male driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in specific garaging location which can revise premium rates greatly.

Cost estimates assume single male driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in specific zip code location which can lower or raise price quotes considerably.

Deciding which companies quote the cheapest car insurance rates for drivers under 21 will take a little more sweat than just comparing a company or two. Every insurance company has a proprietary formula for determining rates, so let’s rank the car insurance companies that tend to have lower prices in Connecticut.

It’s important to understand that Connecticut car insurance rates are based on many factors which can substantially decrease or increase the price you have to pay for coverage. Simply turning a year older, moving across town, or getting a ticket for running a stop sign can trigger changes in premium that can cause some rates to be affordable when they were higher priced.

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Utica National normally has some of the best car insurance rates in Connecticut at around $975 per year. Travelers, USAA, Amica, and Nationwide are also some of the cheaper Connecticut auto insurance companies.

In the above example, if you buy coverage from Travelers and switched to Utica National, you might achieve annual savings of around $150. Connecticut drivers with USAA might save as much as $259 a year, and Amica insureds might realize rate reductions of up to $269 a year.

To get a quick, customized rate comparison, click here to begin a quote or quote prices from the following companies.

Understand that those rates are averages for all drivers and vehicles in Connecticut and are not factoring in a rate increase for drivers under 21. So the company that fits your situation best may not even be included in the list above. That underscores the importance of why you need to get quotes using your own personalized driver profile and vehicle information.

For Connecticut drivers, one of the things that auto insurance companies use to determine the amount you pay for auto insurance is where you call home in Connecticut. Densely populated urban areas like Hartford, New Haven, and Waterbury tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.

The illustration below displays the higher priced cities in Connecticut for drivers under 21 in which to purchase auto insurance.

Premium costs are comparative as vehicle location can influence coverage prices considerably.

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

If you’re looking for the cheapest auto insurance for minors in Connecticut, the companies that insure more vehicles than anyone else are Progressive, Geico, Allstate, and State Farm. When added together, they insure over 45% of all auto insurance written. The table below breaks down some of the different options and features that may be available in Connecticut.

Cheap insurance quotes for minors

You have many ways to purchase car insurance in Connecticut, but the most common ways are from a captive (or exclusive) agency such as Liberty Mutual or Allstate, an independent insurance agent, or from a direct company like Progressive or Geico.

All three ways can provide car insurance quotes, but each is different in how they price policies.

Independent agencies work for many companies and can do rate comparisons with every one. They have the option to provide you with more rates, which can help you get a better chance of finding cheaper coverage. If you are not satisfied with one company, your policy is moved internally which prevents you from having to find an new insurance agent.

Exclusive agencies are only able to write business for a single insurance company, two examples are a State Farm or Allstate agent. Exclusive agencies are unable to provide rate quotes from other companies, so it’s a take it or leave it situation.

Car insurance from a direct company means you bypass local agents and instead shop from a direct company like Esurance or Progressive. This option is a good choice for people who do not need risk management and have a decent understanding of what coverage options they need.

What is the best method for finding cheap auto insurance for drivers under 21 in Connecticut? We’d like to say buying from a direct car insurance company results in the cheapest price because you bypass the middleman, but unfortunately, that is not always true. A valid argument could also be made that buying car insurance from an independent agent guarantees the best prices since they have more companies to choose from, but that assumption is also not necessarily accurate. In many circumstances, exclusive agents have really good rates that are well below what direct and independents offer.

Since car insurance rates vary so much, the best way to get the cheapest rates is to do a thorough rate comparison. If time allows, get prices from all three types in order to have enough rates to compare. For a list of companies with cheap rates in Connecticut, click here to view.