How Much Does Car Insurance Cost for Good Drivers in Connecticut?

The words “bargain” and “auto insurance” really shouldn’t be used together, in particular when you are searching for the lowest insurance prices for good drivers. In an attempt to save some money, let’s learn about some of the things that determine car insurance prices, and find some ways to cut the cost of the next policy you buy.

One of the more important things that control the cost of insurance is your address. Cities with more crime and/or more people like New Haven, Bridgeport, and East Haven tend to pay higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The next table ranks the highest-priced areas in Connecticut for good drivers to purchase a policy in.

Rate information is approximated as zip code location can impact price quotes noticeably.

Finding out which company quotes the lowest-priced car insurance rates for good drivers calls for a little more effort than just comparing a company or two.

Each auto insurance company uses a little different formula for determining rates in each state, so let’s rank the most budget-friendly car insurance companies in Connecticut.

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Utica National normally has some of the most affordable car insurance rates in Connecticut at around $965 per year. Travelers, Amica, USAA, and Nationwide also make the cut as some of the cheaper Connecticut car insurance companies.

In the above rates, if you are a customer of Amica and switched to Utica National, you might achieve yearly savings of upwards of $242. Connecticut drivers with USAA may save as much as $293 a year, and Nationwide policyholders might cut rates by $432 a year.

These policy rates are averages for all ages of drivers and types of vehicles and and are not calculated with a rate discount for good drivers. So the auto insurance company that is most affordable for your situation may not even be included in the chart above. That points out the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

We all have different tastes in cars, and the vehicle needing coverage is probably the largest consideration when shopping for cheap insurance for good drivers in Connecticut. Vehicles with lots of horsepower, poor crash test ratings, or a history of substantial liability claims will cost significantly more to insure than more modest models. The next tables outlines auto insurance costs for some of the more afforable automobiles to buy insurance for.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can modify prices considerably.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can affect prices considerably.

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Prices do not factor in Connecticut location which can increase or decrease coverage prices considerably.

Illustration showing the impact of accidents and violations

The ideal way to earn cheap insurance for good drivers in Connecticut is to pay attention while driving and avoid getting tickets or having accidents. The diagram below demonstrates how speeding tickets and at-fault accidents can affect insurance prices for different categories of driver ages. The prices are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of a car insurance policy in Connecticut per year with a clean driving record and no accidents is $1,977. Factor in two speeding tickets and the average cost rises to $2,625, an increase of $648 each year. Then add in two accidents along with the two speeding tickets and the annual cost of car insurance for good drivers increases to an average of $4,917. That’s an increase of $2,940, or $245 per month, just for being a little careless behind the wheel!

The illustration below highlights how deductible selection can increase or decrease insurance costs when getting quotes for cheap insurance for good drivers. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

The chart above illustrates that a 40-year-old driver could lower rates by $382 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $574 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could save $974 or even more by choosing a higher deductible.

If you do decide to increase your deductibles, it is a good idea to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.