Cheapest Insurance for Used Cars in Connecticut

For pre-owned vehicles, one of the largest criteria used to determine the price of your policy is the neighborhood you call home. Areas with more people like Hartford, Bridgeport, and East Haven are more likely to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower coverage costs.

The table below lists the most expensive places in Connecticut for used cars to buy an auto insurance policy in.

Price information shown is approximated as specific location information can decrease or increase auto insurance rates considerably.

The safety and performance level of the vehicle you are seeking coverage for is a large factor when comparing the cheapest insurance for used cars in Connecticut. Vehicles with average performance, good safety features, or low incidents of liability claims will cost less to insure than higher performance models.

The next lists illustrates insurance costs for the most affordable vehicles to insure.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise prices noticeably.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can decrease or increase prices greatly.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Table data does not factor in specific location information which can affect coverage rates considerably.

How careless driving impacts Connecticut car insurance rates

The easiest method to obtain the cheapest insurance for used cars in Connecticut is to be a cautious driver and avoid accidents and traffic citations. The chart below demonstrates how citations and accident claims can impact yearly insurance costs for different ages of insureds. The data is based on a single female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

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 One Accident’],[‘Age 20’, 2539,2765,3407],[‘Age 30’, 1755,1985,2623],[‘Age 40’, 1629,1859,2497],[‘Age 50’, 1425,1653,2297],[‘Age 60’, 1377,1607,2245],[‘Age 70’, 1603,1835,2473]]);var options = {title: ‘Impact of Tickets and Claims on Connecticut Insurance Cost’,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);}

In the chart above, the average cost of an auto insurance policy in Connecticut per year with a clean driving record and no accidents is $1,721. Factor in one speeding ticket and the average cost swells to $1,951, an increase of $229 each year. Now include one accident along with the one speeding ticket and the annual cost of car insurance for used cars increases to an average of $2,590. That’s an increase of $869, or $72 per month, just for not driving carefully!

Types of discounts on Connecticut car insurance rates

Insurance providers that provide the cheapest insurance for used cars in Connecticut may additionally offer premium discounts that could lower prices by 40% or more if you can meet the requirements. A list of companies and a summarized list of policyholder discounts are included below.

The information below visualizes the comparison of insurance costs with and without policy discounts. The costs are based on a male driver, no claims, a clean driving record, Connecticut state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, marriage, claim-free, anti-theft, homeowner, and safe-driver discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for used cars is 38% or $1,111.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 4221,3037],[‘Age 30’, 2191,1589],[‘Age 40’, 2165,1569],[‘Age 50’, 1969,1427],[‘Age 60’, 1907,1381],[‘Age 70’, 2323,1673]]);var options = {title: ‘Insurance Premium Comparison for Used Cars’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);}