Cheap Insurance Quotes for Ride Shares in Connecticut

Cheap Insurance Quotes for Ride Shares in Connecticut

When discussing auto insurance, the words cheap or affordable really should not be used anywhere in the article to describe car insurance prices. Despite the oxymoron, cheap auto insurance for young drivers is not always easy to find. But don’t let us ruin your dream, because we are going to show you how you can still find and buy car insurance that most people can afford.

Finding out which insurers offer the best insurance rates for young drivers takes a bit more effort than just picking a company at random. Each insurer has a different process for determining rates, so let’s take a look at the lowest cost insurance companies in Connecticut.

Cheapest Insurance Rates for Teens

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Cheapest insurance companies in Connecticut
Rank Company Cost Per Year
1 Utica National $965
2 Travelers $1,171
3 USAA $1,221
4 Amica $1,244
5 Nationwide $1,439
6 MetLife $1,564
7 Unitrin $1,564
8 State Farm $1,575
9 California Casualty $1,615
10 General Casualty $1,621
11 Progressive $1,813
12 Safeco $1,921
13 GEICO $1,998
14 Middlesex $2,033
15 Encompass $2,349
16 Victoria $2,372
17 Electric $2,448
18 Liberty Mutual $2,569
19 Foremost $3,262
20 Hanover $3,504
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Utica National normally has some of the most affordable car insurance rates in Connecticut at around $965 a year. Travelers, USAA, Amica, and Nationwide also qualify as some of the lowest-priced Connecticut car insurance companies.

In this example, if you buy coverage from Amica and switched to Travelers, you might see annual savings of in the vicinity of $73. Connecticut drivers with Nationwide could save as much as $268 a year, and MetLife policyholders might see rate reductions of $393 a year.

It’s important to note that these rates are averaged across all ages of drivers and types of vehicles and are not factoring in a rate decrease for young drivers. So the auto insurance company that can offer you the lowest price may not even be featured in the list of companies shown earlier. That point stresses why you need to get rate quotes using your own driver information and specific vehicle type.

When shopping for cheaper insurance for youthful drivers, one of the many factors that influence the amount you pay each year for auto insurance is where you live in Connecticut. Areas that are more densely populated like Hartford, New Haven, and East Haven tend to have higher rates, whereas areas with less people or fewer weather incidents generally pay less for insurance.

The information below illustrates the highest-priced areas in Connecticut for young drivers to buy an auto insurance policy in.

Car insurance prices in Connecticut
Rank City Average Per Year
1 Hartford $2,085
2 Bridgeport $2,027
3 New Haven $1,998
4 Waterbury $1,946
5 East Haven $1,884
6 West Haven $1,870
7 East Hartford $1,759
8 Milford $1,738
9 Trumbull $1,699
10 New Britain $1,697
11 Shelton $1,672
12 Naugatuck $1,666
13 Stratford $1,646
14 Middletown $1,625
15 Norwalk $1,618
16 Stamford $1,616
17 Meriden $1,605
18 West Hartford $1,591
19 Newington $1,577
20 Danbury $1,570
21 Bristol $1,551
22 Manchester $1,535
23 Torrington $1,499
24 New London $1,491
25 Norwich $1,480
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Table data uses comparative as the specific zip code location can modify rates greatly.

Types of discounts on Connecticut insurance rates

Save on insurance for youthful drivers in ConnecticutInsurance providers that provide cheap insurance for young drivers in Connecticut may additionally offer rate discounts that can lower rates by 40% or more if you meet specific eligibility requirements. A few of the larger companies and some of the premium reductions they offer are detailed below.

Car Insurance Discounts Available
Discount Allstate State Farm Progressive Geico Nationwide
Multi-policy Yes Yes Yes Yes Yes
Multi-vehicle No Yes Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes No Yes No
Air bags Yes Yes No Yes Yes
Running lights No Yes No Yes No
Newer vehicle Yes Yes No No Yes
Eco-friendly vehicle Yes No No No No
No accidents Yes Yes Yes Yes Yes
Defensive driver training Yes Yes Yes Yes Yes
Low mileage Yes Yes Yes No Yes
Active duty military No Yes Yes Yes No
Affinity/occupation No No No Yes Yes
Full payment Yes No Yes Yes Yes
Paperless billing Yes No Yes Yes Yes
Loyalty No Yes Yes No Yes
Smart student Yes Yes Yes Yes Yes
Distant student Yes Yes Yes No Yes
Own a home No No Yes No No
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The illustration below illustrates the difference between yearly insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, no accidents or driving violations, Connecticut state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with marriage, anti-theft, multiple vehicle, vehicle safety, homeowner, and passive restraint discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for young drivers is 32% or $623.

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