Cheapest Car Insurance Quotes for a Learners Permit in Connecticut

When buying insurance for new drivers, one of the key criteria used to calculate the amount you pay each year for auto insurance is where your car is garaged. Areas with more people or even just a higher incidence of claims like Bridgeport, New Haven, and West Haven are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.

The table below shows the highest-priced places in Connecticut for a learners permit to purchase a policy in.

Premium amounts are estimated as specific location information can change rates greatly.

The vehicle model on the policy is a large factor when quoting low-priced coverage for a learners permit. Vehicles with economical engines, excellent safety ratings, or a positive history of liability claims will cost less to insure than adrenaline junky models. The table below shows coverage prices for a handful of the more afforable vehicles to buy insurance for.

Prices based on single male driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific zip code location which can lower or raise prices greatly.

Based upon the rates shown, you can presume that vehicles like the Honda CR-V, Ford Escape, Honda Accord, Hyundai Tucson, and Ford F-150 will be the most budget-friendly vehicles to insure for new drivers. The price for an auto insurance policy will tend to be more expensive anyway because of the fact that there is more claim exposure for a learners permit, but in general those specific models will most likely have the cheapest car insurance rates available.

Establishing which company offers the lowest-priced auto insurance rates for a learners permit takes a little more sweat in order to find the most economical policy. Every car insurance company uses a different method to establish rates, so we’ll go over the auto insurance companies with the most affordable rates in Connecticut.

Lowest Insurance Price Quotes in Connecticut

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Utica National has some of the best car insurance rates in Connecticut at around $995 annually. Travelers, USAA, Amica, and Nationwide also rank well as some of the best Connecticut car insurance companies.

As depicted above, if you are currently insured with Amica and switched to Travelers, you might achieve yearly savings of about $85. Drivers with Nationwide may save as much as $238 a year, and State Farm insureds might see rate reductions of $400 a year.

It’s important to note that these policy prices are averages for all types of insureds and vehicles and are not factoring in a rate increase for a learners permit. So the car insurance company that has the cheapest price for you may not even be included in the company chart above. That is why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Careless driving habits raise auto insurance rates

The easiest method to maintain the best auto insurance premiums in Connecticut for new drivers is to be a safe driver and avoid accidents and keep your driving record clean. The example below illustrates how violations and at-fault claims can drive up yearly insurance costs for different categories of driver ages. The price estimates are based on a single female driver, full coverage, $100 deductibles, and no discounts are applied.

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 Two Accidents’],[‘Age 20’, 2759,3005,5101],[‘Age 30’, 1917,2165,4259],[‘Age 40’, 1777,2025,4115],[‘Age 50’, 1555,1801,3895],[‘Age 60’, 1499,1749,3841],[‘Age 70’, 1743,1995,4085]]);var options = {title: ‘Impact of Tickets and Accidents on Connecticut 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 in the chart shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,875. Get one speeding ticket and the average cost increases to $2,123, an increase of $248 each year. Now add two accidents along with the one speeding ticket and the annual cost of auto insurance for a learners permit increases to an average of $4,216. That’s an increase of $2,341, or $195 per month, just for not driving carefully!

The chart below highlights how deductible choice can raise or lower premium costs when trying to find cheap insurance for a learners permit. The prices are based on a married male driver, comp and collision included, 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’,’$1,000 Deductible’],[‘Age 20’, 3935,3585,3203,2843],[‘Age 30’, 2043,1859,1651,1453],[‘Age 40’, 1959,1791,1601,1419],[‘Age 50’, 1795,1643,1471,1307],[‘Age 60’, 1765,1615,1445,1283],[‘Age 70’, 2035,1871,1689,1517]]);var options = {title: ‘Deductible Levels and Insurance Rates in Connecticut’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);}

The data above shows that a 40-year-old driver could save $324 a year by changing from a $100 deductible up to a $500 deductible, or save $488 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could possibly save $1,092 annually by choosing a higher deductible. If you do make the decision to raise your deductibles, it will be important to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Which major car insurance company is best?

If you’re looking for the cheapest auto insurance, the companies that insure more vehicles than anyone else are Geico, State Farm, Progressive, and Allstate. All of them have a unique set of features, discounts, and options that may steer you one way or another. The data below compares some of the different options .