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.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Malibu Hybrid | $3,996 | $1,998 | $333 |
Ford Fusion Hybrid 4-Dr Sedan | $5,104 | $2,552 | $425 |
Honda Accord EX-L 2-Dr Coupe | $4,584 | $2,292 | $382 |
Honda Civic SI 2-Dr Coupe | $5,362 | $2,681 | $447 |
Kia Optima LX | $4,282 | $2,141 | $357 |
Nissan Altima 2.5 4-Dr Sedan | $3,996 | $1,998 | $333 |
Toyota Corolla XLE | $4,254 | $2,127 | $355 |
Volkswagen Jetta S 4-Dr Sedan | $3,996 | $1,998 | $333 |
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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.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Acura MDX Advance/Entertainment 4WD | $4,344 | $2,172 | $362 |
Buick Enclave CX AWD | $4,298 | $2,149 | $358 |
Chevrolet Suburban LT 4WD | $4,040 | $2,020 | $337 |
Chevrolet Traverse LS 2WD | $3,408 | $1,704 | $284 |
Ford Escape Limited 2WD | $3,408 | $1,704 | $284 |
Ford Expedition XLT 2WD | $3,710 | $1,855 | $309 |
Ford Explorer Limited AWD | $4,040 | $2,020 | $337 |
GMC Acadia SLE 2WD | $3,738 | $1,869 | $312 |
Honda CR-V EX-L 2WD | $3,408 | $1,704 | $284 |
Honda Pilot EX-L 2WD | $4,040 | $2,020 | $337 |
Jeep Grand Cherokee Laredo 4WD | $3,996 | $1,998 | $333 |
Nissan Pathfinder LE 4WD | $4,040 | $2,020 | $337 |
Toyota 4Runner SR/5 2WD | $3,710 | $1,855 | $309 |
Toyota Highlander 2WD | $3,738 | $1,869 | $312 |
Toyota RAV4 Limited 4WD | $3,996 | $1,998 | $333 |
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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.
Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
---|---|---|---|
Chevrolet Colorado LT 4WD | $3,362 | $1,681 | $280 |
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 2WD | $5,148 | $2,574 | $429 |
Chevrolet Silverado LT Crew Cab 4WD | $4,298 | $2,149 | $358 |
Dodge Ram 3500 Crew Cab Laramie 4WD | $6,000 | $3,000 | $500 |
Dodge Ram Quad Cab Laramie 4WD | $4,890 | $2,445 | $408 |
Ford F-150 XL Crew Cab 4WD | $3,782 | $1,891 | $315 |
Ford F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD | $4,648 | $2,324 | $387 |
GMC Sierra Denali Crew Cab 4WD | $4,604 | $2,302 | $384 |
Toyota Tacoma Double Cab 4WD | $3,996 | $1,998 | $333 |
Toyota Tundra Limited Crew MAX 4WD | $4,630 | $2,315 | $386 |
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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.
Find the Cheapest Auto Insurance for Minors
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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.
Rank | City | Annual Rate |
---|---|---|
1 | Hartford | $2,085 |
2 | Bridgeport | $2,027 |
3 | New Haven | $1,978 |
4 | West Haven | $1,888 |
5 | Waterbury | $1,888 |
6 | East Haven | $1,846 |
7 | East Hartford | $1,777 |
8 | Stratford | $1,714 |
9 | New Britain | $1,714 |
10 | Milford | $1,704 |
11 | Trumbull | $1,699 |
12 | Shelton | $1,672 |
13 | Naugatuck | $1,666 |
14 | West Hartford | $1,655 |
15 | Middletown | $1,625 |
16 | Stamford | $1,616 |
17 | Meriden | $1,589 |
18 | Bristol | $1,567 |
19 | Newington | $1,561 |
20 | Norwalk | $1,554 |
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Premium costs are comparative as vehicle location can influence coverage prices considerably.
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.
Progressive | Geico | Allstate | State Farm | |
---|---|---|---|---|
Discounts Available | 4th | 2nd | 1st | 3rd |
Price Overall | 3rd | 1st | 4th | 2nd |
Claims Service | 4th | 3rd | 1st | 2nd |
Client Satisfaction | 3rd | 1st | 2nd | 4th |
Roadside service | Yes | Yes | Yes | Yes |
New car replacement | No | No | Yes | No |
Rideshare insurance | Yes | Yes | Yes | Yes |
Rating based on usage | Yes | No | Yes | Yes |
Accident forgiveness | Yes | Yes | Yes | No |
Breakdown insurance | Yes | Yes | No | No |
Coverage in Connecticut | Yes | Yes | Yes | Yes |
Types of agents used | Online or from independent agents | Online or through a Geico agent | Can only buy from Allstate agents | State Farm-only agents |
Number of agents | 30,000+ | 150+ | 11,000+ | 18,000+ |
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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.