Cheapest Teen Driver Auto Insurance in Connecticut (Our Top 10 Picks for 2024)
Geico, USAA, and State Farm have the cheapest teen driver auto insurance in Connecticut. Teens only pay $153/mo for CT car insurance with Geico. Discounts are the best way to save on teen auto insurance, and USAA gives the biggest student discount of 25% to teens with a GPA of 3.0 or higher.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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A.M. Best Rating
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17,759 reviewsGeico, USAA, and State Farm have the cheapest teen driver auto insurance in Connecticut.
Connecticut auto insurance is more expensive for teen drivers, but this doesn’t mean teens won’t be able to find affordable rates. Take a look below for a full list of companies with the cheapest auto insurance in Connecticut for new drivers.
Our Top 10 Company Picks: Cheapest Teen Driver Auto Insurance in Connecticut
| Company | Rank | Monthly Rates | Safe Driving Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $153 | 25% | Cost Efficiency | Geico |
 | #2 | $190 | 15% | Family Discounts | USAA |
 | #3 | $210 | 30% | Good Grades | State Farm |
 | #4 | $276 | 10% | Safe Driver | Nationwide |
 | #5 | $303 | 15% | Teen Programs | American Family |
 | #6 | $452 | 22% | Educational Tools | Allstate |
 | #7 | $467 | 30% | Youthful Discounts | Farmers |
 | #8 | $575 | 30% | Snapshot Savings | Progressive |
 | #9 | $652 | 25% | Custom Discounts | Liberty Mutual |
 | #10 | $765 | 25% | Driver Training | Travelers |
Read on to learn all about the cheapest teen driver insurance companies in Connecticut. You can also enter your ZIP code in our free tool to compare rates today.
- Geico has the cheapest auto insurance in Connecticut for teens
- USAA is the most affordable company for military teens
- All teens must carry auto insurance to drive legally in Connecticut
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#1 – Geico: Top Overall Pick
Pros
- Cost Efficiency: Geico is the most cost-efficient out of the top 10 car insurance companies for teens. Learn more in our Geico review.
- Online Tools: Teens can easily use Geico’s app or website to check on policy details.
- Coverage Options: Teens can customize policies for the best protection possible at Geico.
Cons
- Local Agents: Most communication with Geico will be virtual.
- Discount Availability: Some discounts, like Geico’s good driver discount, may not be available in every state.
#2 – USAA: Best for Military Families
Pros
- Military Families: USAA is best for teens of military/veteran families or teens who are service members themselves.
- Discount Variety: Families can save on teen auto insurance with multi-vehicle discounts, good driver discounts, and more.
- Coverage Variety: USAA has various coverages, like roadside assistance, that are useful for new drivers. Find out more in our Geico insurance review.
Cons
- Eligibility Limited: Coverage isn’t sold to civilians unless they are immediate family of veterans and military members.
- Physical Branches: Limited to just a few locations, so most customer service will be conducted virtually.
#3 – State Farm: Best for Good Students
Pros
- Good Students: State Farm offers a discount to good students under the age of 25.
- Agent Availability: Most families will be able to visit a local agent for assistance. Learn more in our State Farm review.
- Roadside Assistance: An add-on coverage that is great for new drivers in Connecticut.
Cons
- Online Purchases: All purchases must be completed through a State Farm agent.
- DUI Rates: State Farm is much less affordable for teen drivers with DUIs.
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#4 – Nationwide: Best for Safe Drivers
Pros
- Safe Drivers: Nationwide has discounts for safe drivers that can help teens save on Connecticut car insurance.
- Coverage Variety: Teens will have plenty of add-on coverages to pick from at Nationwide.
- Multi-Vehicle Discount: A great way for families to save when insuring another driver and car.
Cons
- Rates After Violations: Nationwide’s rates are expensive for teens with violations on their driving records.
- Customer Service: Not always rated well by Nationwide customers. Get full ratings in our review of Nationwide.
#5 – American Family: Best for Teen Programs
Pros
- Teen Programs: American Family offers driving discounts to teens. Read more in our American Family review.
- Customer service: Most customers are pleased with the level of service American Family provides.
- Coverage Variety: There are plenty of auto insurance options for teens.
Cons
- Availability: Teens who move outside of Connecticut may be unable to keep American Family since AmFam is only in 19 states.
- DUI Rates: American Family won’t be as cheap for DUI teens.
#6 – Allstate: Best for Educational Tools
Pros
- Educational Tools: Allstate offers a teen safe driving program to help teach teens safe driving skills.
- Pay-Per-Mile Rates: Allstate’s Milewise can be a great insurance policy for teens who rarely drive (learn more: Allstate Milewise Review).
- Coverage Variety: Allstate offers great Connecticut full coverage auto insurance policies.
Cons
- Complaint Ratio: Allstate’s ratio of complaints to customers is higher than average.
- DUI Rates: Allstate is not great in price for teens with DUIs.
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#7 – Farmers: Best for Youth Discounts
Pros
- Youth Discounts: There are plenty of teen discounts available at Farmers. Learn more in our review of Farmers’ auto insurance.
- Family Plans: Families can get multi-car or multi-policy discounts.
- Coverage Options: There are plenty of add-on coverages available for teens to purchase.
Cons
- Customer Satisfaction: Not always rated the highest, especially for claims filing.
- Accident Rates: Farmers is not the cheapest choice if teens have an at-fault accident on their record.
#8 – Progressive: Best for Snapshot Savings
Pros
- Snapshot Savings: Teens can save up to 30% with Progressive’s Snapshot program. Learn more in our Progressive Snapshot review.
- Online Tools: Teens and families can easily check policy details online and make changes as needed.
- Coverage Options: Customize policies for Connecticut teens easily with the selection of add-on coverages.
Cons
- Snapshot Rate Increases: While the program is geared towards savings, it can also raise prices after poor driving performances.
- Customer Satisfaction: There are some negative reviews about claims processing at the company.
#9 – Liberty Mutual: Best for 24/7 Support
Pros
- 24/7 Support: If needed, teens should be able to get ahold of a Liberty Mutual representative easily.
- Good Driver Discount: Teens can participate in Liberty Mutual’s good driver program for a discount.
- Roadside Assistance: One of the many add-on coverages offered by Liberty Mutual.
Cons
- DUI Rates: Liberty Mutual should be avoided if teens have one or more DUIs on their record.
- Discount Availability: Some of Liberty Muutal’s discounts may be unavailable or reduced in some locations.
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#10 – Travelers: Best for Driver Training Discount
Pros
- Driver Training Discount: Travelers offers a discount to teens who successfully complete a driver training course.
- Customizable Deductibles: You can adjust deductibles to lower rates. Find out more in our review of Travelers.
- Gap Insurance: This is a great add-on coverage if teens have new cars.
Cons
- DUI Rates: Travelers will be more expensive for teen DUI drivers.
- UBI Rate Increases: Teens should only participate in Travelers’ UBI program if they are good drivers.
Connecticut Auto Insurance Requirements for Teens
Teen drivers have the same Connecticut minimum auto insurance requirements as any driver. Luckily, Connecticut is an at-fault state, so there is no Connecticut no-fault auto insurance, which tends to be more expensive.
The table below shows the average cost of the required minimum coverage and optional full coverage.
Connecticut Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $220 | $566 |
| 16-Year-Old Male | $252 | $618 |
| 17-Year-Old Female | $235 | $586 |
| 17-Year-Old Male | $268 | $648 |
| 18-Year-Old Female | $179 | $416 |
| 18-Year-Old Male | $216 | $501 |
| 19-Year-Old Female | $192 | $464 |
| 19-Year-Old Male | $231 | $538 |
| 20-Year-Old Female | $156 | $342 |
| 20-Year-Old Male | $189 | $408 |
| 21-Year-Old Female | $220 | $290 |
| 21-Year-Old Male | $255 | $310 |
Even though full coverage does cost more, it is the best option for new drivers.
Full coverage in Connecticut will protect teens financially if they crash into another vehicle, stationary object, or animal. It will even cover damages from weather and falling objects.Dani Best Licensed Insurance Producer
To learn how to save on full coverage, read on.
Compare Teen Driver Auto Insurance in Connecticut
One of the best ways teens can keep rates affordable on the best auto insurance in Connecticut is by driving safely. Any ticket, accident, or DUI, is immediately going to make rates expensive for teen drivers, as you can see from the average rates below.
Connecticut Auto Insurance Monthly Rates by Age, Gender, & Driving Record
| Age Group & Gender | Clean Record | Speeding Ticket | At-Fault Accident | DUI/DWI |
|---|---|---|---|---|
| 16-Year-Old Female | $385 | $465 | $563 | $563 |
| 16-Year-Old Male | $420 | $512 | $625 | $625 |
| 17-Year-Old Female | $372 | $446 | $540 | $540 |
| 17-Year-Old Male | $404 | $489 | $598 | $598 |
| 18-Year-Old Female | $334 | $402 | $487 | $487 |
| 18-Year-Old Male | $362 | $438 | $532 | $532 |
| 19-Year-Old Female | $308 | $372 | $450 | $450 |
| 19-Year-Old Male | $334 | $402 | $487 | $487 |
| 20-Year-Old Female | $286 | $344 | $417 | $417 |
| 20-Year-Old Male | $308 | $372 | $450 | $450 |
| 21-Year-Old Female | $261 | $314 | $381 | $381 |
| 21-Year-Old Male | $286 | $344 | $417 | $417 |
Teens should also avoid luxury cars, as having an expensive vehicle will also raise rates. If you do have a luxury car, though, make sure to read up on the best auto insurance for luxury cars to ensure you are getting the best deal.
Another factor that will affect teenagers’ rates is location, although there isn’t much to be done about this factor besides shopping for the cheapest auto insurance quotes in Connecticut for your area.
Connecticut Auto Insurance Monthly Rates by Age, Gender, & City
| Age & Gender | Bridgeport | Danbury | Hartford | New Haven | Norwalk |
|---|---|---|---|---|---|
| 16-Year-Old Female | $552 | $576 | $552 | $545 | $581 |
| 16-Year-Old Male | $577 | $601 | $577 | $569 | $607 |
| 17-Year-Old Female | $523 | $547 | $494 | $518 | $554 |
| 17-Year-Old Male | $545 | $570 | $515 | $540 | $577 |
| 18-Year-Old Female | $407 | $425 | $407 | $403 | $431 |
| 18-Year-Old Male | $469 | $489 | $469 | $463 | $495 |
| 19-Year-Old Female | $364 | $380 | $343 | $359 | $384 |
| 19-Year-Old Male | $390 | $407 | $368 | $385 | $412 |
| 20-Year-Old Female | $335 | $350 | $316 | $330 | $353 |
| 20-Year-Old Male | $364 | $380 | $343 | $359 | $384 |
| 21-Year-Old Female | $306 | $319 | $288 | $301 | $322 |
| 21-Year-Old Male | $335 | $350 | $316 | $330 | $353 |
The good news is that as teenagers get older, their rates will slowly decrease.
In addition, adding a teen to a parent’s policy will help keep rates affordable as teens age.
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How to Add Teens to a Parent’s Policy
Curious how much cheaper it is to add a driver to an existing policy? The rates below show how the cheapest way to get car insurance for a teenager is to join a parent’s policy.
Connecticut Auto Insurance Monthly Rates by Age, Gender, & Policy Type
| Age & Gender | Individual Policy | Parent's Policy |
|---|---|---|
| 16-Year-Old Female | $566 | $412 |
| 16-Year-Old Male | $618 | $448 |
| 17-Year-Old Female | $530 | $385 |
| 17-Year-Old Male | $582 | $422 |
| 18-Year-Old Female | $416 | $302 |
| 18-Year-Old Male | $501 | $364 |
| 19-Year-Old Female | $377 | $274 |
| 19-Year-Old Male | $406 | $295 |
| 20-Year-Old Female | $348 | $253 |
| 20-Year-Old Male | $376 | $273 |
| 21-Year-Old Female | $360 | $266 |
| 21-Year-Old Male | $385 | $290 |
Teen drivers can stay on a parent’s policy as long as they live at the same address. Teens can also stay on a policy even when they leave for college, as long as they aren’t taking a car with them. Families can get quotes from the 10 cheapest auto insurance companies, like Geico, to see how much insuring a teen driver will cost.
In addition to getting quotes from Geico auto insurance in Connecticut or other cheap companies, there are a few other tricks for saving.
Tips to Lower Connecticut Teen Auto Insurance Rates
The first thing you can do is make sure you buy from one of the companies with the best auto insurance rates in Connecticut.
Auto Insurance for Teen Drivers in Connecticut: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $452 | $814 |
| American Family | $303 | $545 |
| Farmers | $467 | $841 |
| Geico | $153 | $276 |
| Liberty Mutual | $652 | $1,173 |
| Nationwide | $276 | $497 |
| Progressive | $575 | $1,035 |
| State Farm | $210 | $378 |
| Travelers | $765 | $1,378 |
| USAA | $190 | $342 |
If you already have insurance at one of the cheapest Connecticut companies for teens, then the next thing you should do is make sure you are applying for all available discounts.
For example, not all teens may know that if they get good grades, they can earn a discount if they submit proof (learn more: How to Get a Student Auto Insurance Discount).
Get the Cheapest Teen Driver Auto Insurance in Connecticut
Getting the cheapest teen driver insurance in Connecticut starts by shopping at the companies with the cheapest teen auto insurance rates.
It is vital for teens to stay on their parent's policies, drive affordable cars, and keep clean driving records. All this will go a long way to helping families afford Connecticut teen insurance.Travis Thompson Licensed Insurance Agent
Want to start your search for cheap Connecticut car insurance? Compare rates now with our free quote tool.
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Frequently Asked Questions
Is auto insurance mandatory in Connecticut?
Yes, it is illegal to drive without insurance that meets the Connecticut auto insurance requirements (learn more: Driving Without Auto Insurance).
What auto insurance companies are in Connecticut?
Connecticut auto insurance companies include Geico, USAA, State Farm, and many more.
How much is auto insurance per month in Connecticut?
Average rates per month vary drastically based on a driver’s age and driving record. Use our free quote tool to find the best auto insurance quotes in Connecticut and know exactly what you’ll pay.
How much is auto insurance for a 16-year-old in Connecticut?
Minimum coverage in Connecticut is an average of $236/mo for 16-year-old drivers. Learn how to lower these rates by reading up on cheap auto insurance for 16-year-olds.
Who has the cheapest auto insurance in Connecticut?
Geico has the cheapest auto insurance rates in Connecticut.
What is the cheapest Connecticut car insurance for an 18-year-old?
Geico has the lowest rates for cheap auto insurance for 18-year-olds.
Who has the cheapest insurance for a 17-year-old in Connecticut?
Geico, USAA, or State Farm have cheap auto insurance for 17-year-olds.
Who is cheaper for Connecticut teen auto insurance, Geico or Progressive?
Geico is cheaper on average for teen drivers in Connecticut.
Do Connecticut auto insurance rates go up with age?
Connecticut auto insurance providers actually reduce rates as drivers age, as long as drivers have clean driving records.
At what age is Connecticut car insurance cheapest?
Once drivers hit 25, rates start to decrease. If you are under 25, read up on the best auto insurance for drivers under 25.
Do you need insurance with a learner’s permit in Connecticut?
In most cases, learner permit drivers will be covered under a parent’s policy until they get their first license (read more: Helping Teen Drivers Get Their First License).
How do I get teen driver auto insurance in Connecticut?
Teens can purchase their own policy or join a parent’s policy, which is the option we recommend, as adding a driver to auto insurance is usually always cheaper.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
