The best car insurance in Connecticut

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By

Rachael Brennan

Rachael Brennan

Property and Casualty Insurance Expert

Rachael Brennan is a senior insurance editor at Policygenius, specializing in auto insurance. She worked for 21st Century Insurance, BlueCross BlueShield Massachusetts, and HealthPass New York. She also spent two years working as a content expert for dozens of auto insurance websites through 360Quote LLC.

Published November 3, 2021

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The average rate for full coverage car insurance in Connecticut is $1,751 per year. The national average rate in the U.S. is $1,652 each year, which means drivers in Connecticut pay $101 more for insurance than the average person in the U.S., but drivers in the Nutmeg State can still save money on car insurance.

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Key Takeaways

  • The average rate for full coverage car insurance in Connecticut is $1,751 per year

  • The cheapest car insurance company in Connecticut is GEICO, with an average annual rate of $756

  • Connecticut drivers are required to have a minimum of $25,000 for each injury or death per accident/$50,000 for total injuries or deaths per accident and $25,000 for property damage per accident

Cheapest car insurance companies in Connecticut

There are dozens of insurance companies licensed to do business in the state of Connecticut and each one of them has their own internal formula for setting their rates. This means that two insurance companies could charge you different rates for the exact same coverage, which is why it is so important to compare multiple quotes when choosing a policy.

The table below shows the five cheapest car insurance companies in Connecticut.

Company

Average cost

JD Power Rating

GEICO

$756

871

USAA

$1,156

890

State Farm

$1,180

881

Kemper

$1,345

--

Amica

$1,446

907

Cheapest car insurance companies by age in Connecticut

Teen drivers have significantly higher rates than adults, and for good reason — teens are statistically more likely to be in an accident or file a claim. If young drivers are careful to keep their driving record clean, they can look forward to their rates going down as they get older.

The table below shows the companies with the lowest rates by age in Connecticut:

Age

Cheapest company

Average cost

16

Kemper

$4,016

18

GEICO

$2,793

21

GEICO

$1,467

25

GEICO

$816

30

GEICO

$760

35

GEICO

$755

45

GEICO

$754

55

GEICO

$719

Choosing the right car insurance company in Connecticut

There are several things to consider when choosing a car insurance company in Connecticut, including:

  • Cost: Keeping your driving record clean and comparing multiple insurance quotes are the best ways to keep your insurance costs low.

  • Coverage: Choosing higher levels of liability coverage will increase your insurance costs, but not having enough coverage could leave you responsible for tens or even hundreds of thousands of dollars in accident expenses out-of-pocket.

  • Customer service: Having a pleasant customer service experience is a valuable part of choosing an insurance policy, especially if you ever need to file a claim.

Policygenius can help you compare quotes and choose the right coverage for the right price.

Car insurance rates for drivers with driving violations in Connecticut

Your driving history is one of the biggest factors insurance companies use to help determine your rates, which means a single accident or a traffic ticket could have a significant impact on your insurance costs. Avoiding accidents and violations is one of the best ways to keep your insurance costs low.

The chart below shows the average car insurance rates for drivers in Connecticut with speeding tickets or other moving violations:

Violation

GEICO

USAA

State Farm

Kemper

Amica

At-fault Accident

$1,110

$1,733

$1,302

$2,209

$2,301

DUI

$2,738

$2,506

$1,302

$3,001

$5,475

Driving with a suspended license

$755

$2,357

$1,302

$3,001

$5,475

Driving with an open container

$755

$1,850

$1,302

$1,996

$5,475

Driving with expired registration

$755

$1,411

$1,302

$1,996

$1,476

Driving without Lights

$755

$1,411

$1,302

$1,996

$1,730

Failure to show documents

$755

$1,411

$1,302

$1,996

$1,476

Failure to stop at a red light

$755

$1,411

$1,302

$1,996

$1,730

Cheapest car insurance for drivers with bad credit in Connecticut

While some states prevent insurance companies from using your credit rating to set your insurance rates, Connecticut isn’t one of them. Insurance companies in the state can use your credit score to help determine your rates, or even decide whether or not to sell you insurance based on your credit. 

This means working to improve your credit score can save you money on car insurance. The chart below shows the car insurance companies with the lowest average rates for drivers with low credit:

Company

Rates for drivers with bad credit

GEICO

$1,171

Kemper

$1,949

USAA

$2,078

State Farm

$2,437

Progressive

$2,710

Car insurance costs in Connecticut cities

Population density, crime levels, and the number of accidents in a ZIP code all impact the cost of car insurance in each city. Below are the average car insurance rates for the ten largest cities in Connecticut by population.

  • Bridgeport: $2,491

  • New Haven: $2,476

  • Stamford: $1,932

  • Hartford: $2,454

  • Waterbury: $2,220

  • Norwalk: $1,814

  • Danbury: $1,808

  • New Britain: $1,952

  • West Hartford: $1,832

  • Bristol: $1,701

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Buying car insurance in Connecticut

If your vehicle is registered in Connecticut, state law says drivers must meet the following minimum liability insurance requirements:

  • $25,000 for each injury or death per accident

  • $50,000 for total injuries or deaths per accident

  • $25,000 for property damage per accident

These are just the basic required minimum amounts, but a serious accident can cause significantly more damage than would be covered by the state minimum liability requirements. If you have a car loan or lease a vehicle, you’ll need to have comprehensive and collision insurance as well.

Connecticut is an at fault state, which means that if you cause an accident, you will be held liable for any damages to their property or bodily injuries sustained in an accident. Your liability insurance covers the cost of car repairs, other property damage, and medical expenses for the other driver if you are found at fault, but only up to your policy limits. If you don’t have enough liability insurance to cover those damages, expect to pay those additional costs out-of-pocket.

How to get cheap car insurance in Connecticut

Most insurance companies offer Connecticut drivers plenty of ways to save money on your car insurance. These are some of the most common discounts available:

  • Multi-car discount: If you own more than one car you can earn a discount for insuring them both on the same policy.

  • Bundling discount: Insurance companies typically offer a substantial discount to customers who combine multiple insurance policies (home, auto, renters, etc.) through the same company.

  • Safe driver discount: Taking a safe driver course can sometimes earn drivers a discount on their insurance, but some companies offer discounts for drivers who maintain a clean driving record for three years or more.

  • Group discount: Insurance discounts are often available based on profession. For example, teachers are often given a discount on their car insurance. Some insurance companies also partner with larger employers and offer discounts as part of an employee benefits package.

  • Low mileage discount: Insurance companies often charge lower rates for drivers who have short commutes.

Comparing quotes from multiple insurance companies is one of the best ways to make sure you are getting the most affordable policy available.

Frequently asked questions

Is Connecticut car insurance high?

Car insurance in Connecticut is slightly higher than the national average, but the amount you pay will vary from city-to-city. Bridgeport residents should expect to spend significantly more on car insurance than Bristol residents.

What is recommended for car insurance in Connecticut?

Connecticut drivers must have at least the state-required minimum levels of liability coverage, but we also recommend that drivers have comprehensive, collision, and uninsured motorist coverage as well. Drivers should also have the highest levels of liability coverage they can afford to protect themselves in case they are at fault in a serious accident.

How can I lower car insurance rates in Connecticut?

The best, most effective way to save money on car insurance in Connecticut is to keep your driving record clean by avoiding accidents and moving violations. You should also compare rates between multiple companies to make sure you are getting the lowest rate.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.