Best Cheap Auto Insurance for 18 Year Olds in Connecticut

The vehicle model needing coverage is one of the largest factors that determines the availablility of affordable car insurance for 18 year olds. Vehicles with lots of horsepower, poor crash test ratings, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models. The tables below shows auto insurance costs for the most cost-effective automobiles to buy coverage for.

Prices above based on single female 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. Rate quotes do not factor in specific zip code location which can decrease or increase auto insurance rates significantly.

Data assumes single female 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. Rates do not factor in your specific Connecticut location which can decrease or increase price quotes greatly.

Data rating is based on single female 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. Prices do not factor in the specific area where the vehicle is garaged which can modify premium rates greatly.

For teen drivers, one of the largest factors that help determine the annual cost of car insurance is where you keep your vehicle. Regions with larger populations or more claims like Bridgeport, New Haven, and East Haven tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The following table rates the highest-priced places in Connecticut for 18 year olds to purchase car insurance in.

Prices are approximated as specific Connecticut zip code can lower or raise coverage prices substantially.

Should you buy full coverage?

Finding the best cheap car insurance for 18 year olds in Connecticut should be important to the majority of drivers, and one of the fastest ways to buy cheap insurance is to only buy liability insurance. The information below shows the difference between insurance costs with full coverage and liability only. The premiums assume a clean driving record, no at-fault accidents, $500 deductibles, single status, and no discounts are factored in.

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Averaged for all ages 20 through 70, full coverage costs an additional $1,626 per year more than buying just liability insurance. That touches on the question if it’s a good idea to buy full coverage. There is no specific rule to drop full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s say your vehicle’s claim settlement value is $5,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $4,500 after paying your deductible. If you are currently paying more than $450 annually for physical damage coverage, then you might want to consider buying only liability coverage.

Who has the cheapest insurance quotes for teen drivers?

Consumers have many ways to compare auto insurance quotes in Connecticut, but the most common are through an independent insurance agent, an exclusive insurance agency such as Liberty Mutual or Allstate, or direct either online or via phone.

You can use whichever method you prefer, but they differ in how they price policies.

Independent insurance agencies work with multiple companies and can provide price quotes from all of them. Independent agents can give you a larger rate selection, which can give you the best chance of finding a lower price. If a cheaper price is found, they can switch companies in-house which is easy for the insured.

Exclusive agencies are only able to give rates for a single insurance company, examples being a Liberty Mutual or State Farm agent. Exclusive agents are unable to provide multiple price quotes, so if their prices are high, they cannot shop around.

Consumers who buy auto insurance direct skip an agent and instead shop direct online or over the phone from a company like Geico or Esurance. This auto insurance option is good for consumers who do not need complex risk management and have knowledge of what specific coverages and deductibles they need.

When shopping for auto insurance, which way works best to buy the best cheap car insurance for 18 year olds in Connecticut? The majority of auto insurance shoppers assume that buying from a direct car insurance company yields the cheapest rates because you bypass the middleman, but that is generally not the case. A valid argument could also be made that going through an independent agent guarantees the lowest rates since they have more companies to choose from, but that assumption is not true either. In a lot of cases, exclusive agents have price quotes that are the cheapest.

Due to the large number of rating factors, the one way to ensure you are not overpaying is to compare, compare, and compare some more. Make the effort to get prices from all three to have the best rate selection. For a list of auto insurance companies with low rates, click here to view.