Best Cheap Auto Insurance Quotes for 19 Year Olds in Connecticut

The words “affordable” and “insurance” really shouldn’t be used together, especially when you are shopping around for the lowest insurance rates for 19 year olds. Let’s start the ball rolling by going over a few of the factors that have an effect on car insurance prices, and find out if we can help you take the bite out of the next policy you buy.

The vehicle model you are buying coverage for is a large consideration when comparison shopping for economical car insurance for 19 year olds. Vehicles with lots of speed or power, a lack of modern safety features, or high incidents of liability claims will cost more to insure than more modest models. The list below features auto insurance premiums for a selection of the most affordable vehicles to buy coverage for.

Prices above based on single male driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in your specific Connecticut location which can affect auto insurance rates greatly.

Looking at the numbers, you can see that makes and models like the Honda Accord, Jeep Wrangler, Honda CR-V, and Ford F-150 are most likely going to be a few of the most affordable vehicles to insure for teenage drivers. The cost of a car insurance policy will be more expensive because there is more claim risk for 19 year olds, but in general those vehicles will have the lowest prices that you are likely to find.

For Connecticut drivers, one of the things that influence auto insurance rates is where your car is garaged in Connecticut. Areas that are more densely populated or have higher claim rates like Hartford, Bridgeport, and West Haven tend to pay slightly more, whereas less populated areas benefit from lower rates.

The information below ranks the priciest cities in Connecticut for 19 year olds to purchase a policy in.

Information shown are estimated as the specific geographic location can modify premiums greatly.

Finding reliable, low-priced car insurance is not the easiest thing to accomplish, and deciding which insurers offer the best car insurance rates for 19 year olds will involve additional perseverance. Coverage rates could be significantly higher than the state average, with the higher price attributed to the additional risk associated with offering insurance for teenage drivers, but competitive coverage may be available if you compare enough rates.

Each insurance company uses their own formula for setting rates, so first let’s look at the rankings for the car insurance companies that tend to be cheaper in Connecticut.

Best Auto Insurance Prices for Teens

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Utica National normally has some of the cheapest car insurance rates in Connecticut at around $995 annually. Travelers, Amica, USAA, and Nationwide also qualify as some of the more affordable Connecticut auto insurance companies.

As shown above, if you have coverage with USAA and switched to Utica National, you might achieve an annual premium reduction of approxmiately $263. Policyholders with Nationwide could save as much as $444 a year, and Unitrin customers might see rate reductions of $585 a year.

Be aware that those premiums are averaged across all types of drivers and the different vehicles they drive and do not factor in a price increase for 19 year olds. So the company that fits your needs best may not even be included in the above rate chart. That underscores the importance of why you need to compare rates from multiple companies using your own personal information and vehicle type.

Get discount Connecticut auto insurance rates

Insurance providers that provide the best cheap auto insurance for 19 year olds in Connecticut may also provide price discounts that could potentially reduce rates by 25% or more if you are eligible. A list of car insurance companies and some of the discounts are included below.

The information below visualizes the comparison of insurance premiums with and without discounts applied. The premium estimates are based on a female driver, no claims or driving citations, Connecticut state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, passive restraint, multiple policy, homeowner, claim-free, and defensive driving course discounts applied. When drivers qualify for the discounts, the the average yearly reduction on car insurance for 19 year olds is % or $.

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Violations and accidents raise rates

A great way to maintain the best cheap auto insurance for 19 year olds in Connecticut is to drive safe and avoid traffic citations and accidents. The information below illustrates how speeding tickets and at-fault accidents impact car insurance costs for each different age category. The premiums assume a single female driver, full coverage, $100 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2759,3005,3707],[‘Age 30’, 1917,2165,2865],[‘Age 40’, 1777,2025,2723],[‘Age 50’, 1555,1801,2505],[‘Age 60’, 1499,1749,2451],[‘Age 70’, 1743,1995,2695]]);var options = {title: ‘Impact of Tickets and Claims on Connecticut Auto Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Connecticut’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of auto insurance in Connecticut per year with a clean driving record and no accidents is $1,875. Add in one speeding ticket and the average cost increases to $2,123, an increase of $248 each year. Now include one accident along with the one speeding ticket and the annual cost of car insurance for 19 year olds increases to an average of $2,824. That’s an increase of $949, or $79 per month, just for being a careless driver!

Best rates: Geico, Allstate, State Farm, or Progressive

If you are shopping around for auto insurance for teenage drivers in Connecticut, the most popular companies are Geico, Allstate, State Farm, and Progressive. The next table shows ratings for price, service, and claims, in additional to some of the optional coverages you can buy with each company.