Best Cheap Auto Insurance Quotes for Teenagers in Connecticut

The car, truck, or SUV you are trying to insure is probably the most important factor when quoting the best cheap auto insurance for teenagers in Connecticut. Vehicles with lots of horsepower, poor safety ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The table below illustrates coverage prices for a number of the most economical vehicles to buy coverage for.

Table data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in vehicle garaging location which can influence price quotes significantly.

By looking at the data, you can see that makes and models like the Honda CR-V, Ford Escape, Chevrolet Traverse, Toyota Prius, and Ford Explorer are most likely to be a few of the more affordable vehicles to insure for teen drivers. Car insurance rates will be more costly because there is more exposure for teenagers, but generally speaking those particular vehicles will probably have the lowest insurance prices available.

One of the key components that control insurance cost is where you keep your vehicle in Connecticut. Cities with larger populations or higher claim trends like New Haven, Hartford, and Waterbury will most likely have higher rates, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The table below illustrates the most costly cities in Connecticut for teenagers to purchase auto insurance in.

Table data uses estimated as the specific zip code location can impact premiums noticeably.

Deciding which companies offer the lowest-priced insurance rates for teenagers will involve a little more effort in order to find the lowest price quote. Every insurance provider has a proprietary method to establish rates, so let’s rank the insurance companies that tend to be cheaper in Connecticut.

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Utica National offers some of the lowest car insurance rates in Connecticut at around $1,005 a year. Travelers, Amica, USAA, and Nationwide would also make the list of some of the cheaper Connecticut auto insurance companies.

In the rate table above, if you are currently insured with Amica and switched to Utica National, you may see annual savings of about $239. Insureds with USAA could save as much as $266 a year, and Nationwide policyholders might realize rate reductions of up to $434 a year.

It’s important to note that these premiums are averages for all drivers and vehicles and do not factor in a rate increase for teenagers. So the car insurance company that has the lowest price for you may not even be featured in the above list. That points out the importance of why you need to quote rates from many companies using your own specific driver and vehicle information.

Types of discounts on Connecticut car insurance

Car insurance companies that offer the best cheap auto insurance for teenagers in Connecticut may have price discounts that may potentially lower prices by as much as 30% if you qualify. A list of insurance companies and a summarized list of policyholder discounts can be found below.

• State Farm offers discounts including multiple autos, passive restraint, driver’s education, good student, accident-free, and multiple policy.
• Farmers Insurance may offer discounts for bundle discounts, pay in full, business and professional, switch companies, mature driver, electronic funds transfer, and early shopping.
• GEICO may include discounts for military active duty, multi-vehicle, multi-policy, air bags, and good student.
• American Family may have discounts that include good driver, early bird, bundled insurance, Steer into Savings, good student, mySafetyValet, and defensive driver.
• Nationwide has savings for multi-policy, family plan, Farm Bureau membership, good student, anti-theft, easy pay, and business or organization.
• Progressive has discounts for online quote discount, homeowner, multi-vehicle, online signing, and continuous coverage.

The information below visualizes the comparison of premium costs with and without policy discounts. The data is based on a male driver, no claims or violations, Connecticut state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with paperless filing, good student, continuous coverage, passive restraint, vehicle safety, and paid-in-full discounts applied. With discounts applied, the the average yearly reduction on insurance for teenagers is 28% or $788.

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Finding the top auto insurance company can be difficult considering how many companies sell coverage in Connecticut. The company information shown below may help you pick which insurers you want to consider shopping your coverage with.

The rankings below are for the largest auto insurers in America, so companies that may only write in Connecticut are not factored into the list. If you’d like to compare prices from these top-rated insurers and more, follow this link.

Top 10 Major Auto Insurers Overall in Connecticut

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century