Cheap Car Insurance for High School Students in Connecticut

The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, specifically when looking for the best car insurance rates for high school students. Because it’s so expensive, let’s open your eyes to some of the factors that influence insurance prices, and find a way to slash the price of your next policy.

Deciding which insurers offer the most affordable car insurance rates for high school students involves a little more effort in order to find coverage that fits your buget.

Each insurer has their own process for determining rates, so let’s look at the rankings for the car insurance companies with the most affordable rates in Connecticut. Keep in mind that Connecticut car insurance rates are based on many factors that control the price of coverage. Simply getting older, moving to a new city, or having an accident can cause premium changes that may make certain companies more affordable than the competition.

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Utica National may have some of the most affordable car insurance rates in Connecticut at around $965 a year. Travelers, Amica, USAA, and Nationwide would also make the list of some of the cheapest Connecticut insurance companies.

In the rate table above, if you currently have a policy with USAA and switched to Utica National, you might see a yearly savings of about $293. Drivers with Nationwide may save as much as $432 a year, and Unitrin insureds might realize rate reductions of up to $553 a year.

To find cheap auto insurance for high school students in Connecticut, click here to begin a quote or quote rates from the companies below.

Understand that those policy prices are averaged for all drivers and vehicles and and are not figured with a rate surcharge for high school students. So the company that is best for you may not even be shown in the list of companies above. That affirms the importance of why you need to get car insurance quotes using your own specific driver and vehicle information.

One of the key criteria used to determine the amount you pay each year for auto insurance is where you normally keep your vehicle in Connecticut. Cities that have higher claim levels or more people like Hartford, Bridgeport, and East Haven will most likely have higher rates, whereas areas that are not as densely populated benefit from lower rates.

The following table displays the highest-priced areas in Connecticut for high school students in which to buy car insurance.

Prices are approximated as the specific geographic location can raise or lower premiums noticeably.

The car, truck, or SUV requiring coverage is probably the most important factor when trying to find cheap auto insurance for high school students in Connecticut. Vehicles with lower performance, modern passenger safety features, or a track record of few liability claims will cost less to insure than adrenaline junky models. The information below outlines insurance premiums for some of the more afforable vehicles to insure in Connecticut.

Table data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific location information which can decrease or increase price quotes substantially.

Looking at the numbers, you can assume that cars like the Ford Escape, Honda CR-V, Chevrolet Traverse, Hyundai Elantra, and Toyota Prius are likely to be some of the most budget-friendly vehicles to insure for teenagers. The cost of auto insurance will trend higher because of the fact that there is a higher risk for high school students, but in general those particular vehicles will probably have the cheapest auto insurance rates compared to all other vehicles.

The example below demonstrates how choosing different deductibles can change insurance prices when trying to find cheap insurance for high school students. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3711,3405,3073,2761],[‘Age 30’, 2549,2329,2083,1847],[‘Age 40’, 2367,2167,1945,1733],[‘Age 50’, 2069,1893,1699,1513],[‘Age 60’, 2003,1833,1645,1467],[‘Age 70’, 2345,2151,1941,1741]]);var options = {title: ‘Effect of Higher Deductibles on Insurance Cost in Connecticut’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 30-year-old driver could cut expenses by $422 a year by changing from a $100 deductible up to a $500 deductible, or save $634 by changing to a $1,000 deductible. Younger drivers, such as the Age 20 example, can cut $950 each year just by choosing higher deductibles.

When choosing a higher deductible, it will now be necessary to have plenty of money set aside to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Discounts on Connecticut car insurance rates

Auto insurance companies that provide cheap auto insurance for high school students in Connecticut may also provide policy discounts that could potentially reduce rates by as much as 25% or more if you can meet the requirements. A list of car insurance companies and their offered discounts include:

The chart below illustrates the difference between auto insurance rates with and without discounts applied to the policy rates. The premiums assume a female driver, a clean driving record, no at-fault accidents, Connecticut state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with paid-in-full, good student, continuous coverage, passive restraint, vehicle safety, and paperless filing discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for high school students is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 17’, 3451,2465],[‘Age 30’, 1391,1009],[‘Age 40’, 1305,943],[‘Age 50’, 1139,829],[‘Age 60’, 1103,799]]);var options = {title: ‘Insurance Rate Comparison for High School Students’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}