Best car insurance in Connecticut

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Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.&Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

Updated|5 min read

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We found that GEICO has the cheapest car insurance in Connecticut at an average of $68 per month for full coverage. GEICO is the only company that we found which offers car insurance for less than $1,000 per year in the Nutmeg State.

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The other cheapest car insurance companies in Connecticut are USAA (if you’re in the military or a military family), State Farm, Amica, and Kemper. Your cheapest company may vary, so be sure to compare quotes before you get covered.

Company

Average monthly cost

Average annual cost

GEICO

$68

$810

USAA

$96

$1,155

State Farm

$99

$1,192

Amica

$123

$1,478

Kemper

$125

$1,494

Cheapest car insurance companies in Connecticut

GEICO

4.6

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

GEICO logo

GEICO is nationally available and often has some of the cheapest rates. GEICO gets fewer service complaints than average, even though claims satisfaction can be mixed. Drivers can also customize their car insurance from GEICO with a few useful add-ons.

Pros

  • Available in every state and the District of Columbia

  • Usually has some of the cheapest rates

  • Gets fewer complaints than expected for its service

  • Allows drivers to add different types of useful coverages to a basic policy

Cons

  • Mixed reputation for claims satisfaction

GEICO is the cheapest car insurance company in Connecticut at an average cost of $68 per month, or $810 per year for a full-coverage policy.

GEICO has the best average rates for a few different types of high-risk drivers. If you’re in Connecticut and have a speeding ticket or past at-fault accident on your record, GEICO may be your cheapest option for car insurance.

USAA

4

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

USAA logo

USAA is one of the most reliably cheap car insurance companies in the country. It also has a long-standing reputation for great customer service. Unlike other providers, USAA is only offered to drivers who are affiliated with the military.

Pros

  • Offers coverage in every state and the District of Columbia

  • Usually has some of the cheapest car insurance rates of any company

  • Drivers can use discounts to lower their rates

  • Consistently high customer satisfaction

Cons

  • Limited options for adding extra coverage

  • Only available to members of the military, veterans, and their families

According to our analysis, USAA has the second-cheapest car insurance in Connecticut. On average, a policy from USAA costs drivers $96 per month, or $1,155 per year. That’s $701 cheaper than the statewide average.

Only drivers affiliated with the military or with a military family can get insurance from USAA, so not every Connecticut driver will be eligible for coverage.

State Farm

3.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

State Farm logo

As the country’s biggest car insurance company, State Farm makes it easy for drivers to get coverage, make claims, and stay in contact. Also, State Farm is one of the cheapest insurers for most drivers, and tends to have great customer service.

Pros

  • Coverage available in nearly every state (along with in-person offices)

  • Cheap car insurance, including for some high-risk drivers

  • Consistently high customer service ratings

  • Some discounts, especially for good drivers

Cons

  • Doesn’t offer as many coverage options as some competitors

State Farm costs $99 per month, or $1,192 per year for a full-coverage policy, making it the third-cheapest car insurance company in Connecticut.

Amica

4.2

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Amica logo

Amica is known for great customer service and high claims satisfaction. Depending on where you live, Amica’s rates may be around average, but it can be a cheaper option than competitors.

Pros

  • Known for having high claims satisfaction

  • Often has cheaper-than-average rates

  • Offers gap insurance, new car replacement, and rental car reimbursement, among other add-ons

Cons

  • No usage-based insurance discount

Amica is the fourth-cheapest car insurance company in Connecticut. On average, car insurance from Amica costs $123 per month in Connecticut. That’s $1,478 per year, which is $378 cheaper per year than the statewide average.

Kemper

3.4

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Kemper logo

Kemper is one of the overall cheapest car insurance companies in New York State. It’s also known for offering coverage to drivers who have a history of driving violations and who might have trouble getting insured elsewhere.

Pros

  • Rates tend to be near the national average

  • Offers perks like diminishing deductible and accident forgiveness

  • Has new car replacement and gap insurance

  • Known for insuring high-risk drivers

Cons

  • Lower claims satisfaction scores than competitors

Kemper is also one of the cheapest insurance companies in Connecticut. The average cost of auto insurance from Kemper is $125 per month, or $1,494 a year. That makes Kemper the fifth-cheapest company in the state, but it still costs $362 less per year than the average rate for a full-coverage policy in Connecticut.

Best car insurance companies in Connecticut

The best car insurance company in Connecticut is USAA, according to J.D. Power’s Auto Insurance Study, which measures customer happiness around price, transparency, and claims satisfaction. [1] USAA earned the highest score of any car insurance company in New England on the most recent report.

In addition to USAA, Amica, State Farm, and GEICO all have better J.D. Power scores than the region’s average, which is 823, and made our list of the cheapest car insurance companies in Connecticut.

Rank

Company

Score

1

USAA

884

2

Amica

862

3

State Farm

838

4

Plymouth Rock

834

5

GEICO

827

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 cheapest car insurance in Connecticut for young drivers is GEICO.

Age

Cheapest company

Average cost

16

GEICO

$3,476

18

GEICO

$2,945

21

GEICO

$1,553

25

GEICO

$871

30

GEICO

$814

35

GEICO

$809

45

GEICO

$808

55

GEICO

$772

60

GEICO

$776

65

GEICO

$800

70

GEICO

$885

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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 cheapest car insurance in Connecticut after a driving violation is GEICO or State Farm.

Violation

GEICO

USAA

State Farm

Amica

Kemper

At-fault accident

$1,185

$1,733

$1,290

$2,355

$2,467

DUI

$2,898

$2,506

$1,290

$5,610

$3,333

Suspended license

$808

$2,357

$1,290

$5,610

$3,333

Open container

$808

$1,850

$1,290

$5,610

$2,220

Expired registration

$808

$1,411

$1,290

$1,769

$2,220

Driving without lights

$808

$1,411

$1,290

$1,769

$2,220

Running a red light

$808

$1,411

$1,290

$1,769

$2,220

Following too closely

$808

$1,411

$1,290

$1,769

$2,220

Hit and run

$2,898

$2,607

$1,290

$5,610

$3,333

Not-at-fault accident

$1,031

$1,232

$1,205

$1,508

$1,996

Passing a school bus

$982

$1,850

$1,290

$1,964

$2,220

Reckless driving

$2,142

$1,695

$1,290

$4,178

$3,333

Speeding

$982

$1,411

$1,290

$2,941

$2,427

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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. 

The cheapest car insurance in Connecticut for drivers with bad credit is GEICO.

Company

Rates for drivers with bad credit

GEICO

$1,254

USAA

$2,051

Kemper

$2,148

Nationwide

$2,422

State Farm

$2,461

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: $2,554

  • New Haven: $2,552

  • Stamford: $1,975

  • Hartford: $2,517

  • Waterbury: $2,291

  • Norwalk: $1,879

  • Danbury: $1,854

  • New Britain: $2,017

  • West Hartford: $1,886

  • Bristol: $1,753

→ Read more about how to get cheap insurance in Hartford

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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

  • $25,000/$50,000 for uninsured motorist coverage

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

What is the cheapest car insurance company in Connecticut?

Although coverage is more expensive than average in Connecticut, car insurance from GEICO is the cheapest for most people in the state. It's the only company we found that offers coverage for less than $1,000 per year.

How much is car insurance per month in Connecticut?

The average cost of car insurance in Connecticut is $155 per month. This makes Connecticut more expensive than average for car insurance coverage.

What does Connecticut require for car insurance?

Like other states, Connecticut requires drivers to carry a minimum amount of car insurance coverage. To drive legally in Connecticut, you must have at least $20,000 of bodily injury liability coverage per person, $40,000 per accident, and $10,000 of property damage liability coverage. Drivers also have to carry $20,000 of uninsured motorist coverage per person and $40,000 per accident.

Can you drive without insurance in Connecticut?

It's illegal to drive without car insurance in Connecticut. If you're caught driving uninsured, you'll be fined $100 to $1,000. Also, the state will suspend your license for one month after your first conviction. You'll have to pay a restoration fee of $175, too.

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: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • 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.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of our

editorial standards.
  1. J.D. Power

    . "

    2022 Auto Insurance Study

    ." Accessed January 23, 2023.

Authors

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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