Who Has the Cheapest Car Insurance Quotes In Connecticut?
Who Has the Cheapest Car Insurance Quotes In Connecticut?
State Farm has the best quotes in Connecticut for a minimum-coverage policy ($629 per year) and the best rates for full coverage ($1,212).
Find Cheap Auto Insurance Quotes in Connecticut
Cheapest auto insurance companies in Connecticut: State Farm
The cheapest car insurance company for a minimum liability policy in Connecticut is State Farm. Quotes from State Farm average $1,041 per year for minimum car insurance coverage, which is 40% cheaper than the statewide average.
Find Cheap Auto Insurance Quotes in Connecticut
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $629 | $52 |
| Travelers | $649 | $54 |
| Allstate | $1,086 | $91 |
| Geico | $1,105 | $92 |
| Nationwide | $1,206 | $100 |
| Amica Mutual | $1,310 | $109 |
| Progressive | $1,671 | $139 |
| USAA | $673 | $56 |
*USAA is only available to current and former military members and their families.
Travelers is another widely-available company that Connecticut drivers should get a quote from. And if you're eligible as a veteran or military member or a family member, USAA is a great choice. It has strong marks for customer service and is nearly as cheap as State Farm and Travelers.
Minimum liability car insurance policies are the cheapest way to satisfy the mandated insurance requirements in Connecticut, which include bodily injury liability, property damage liability and uninsured/underinsured motorist coverage. However, if you can afford it, choosing higher liability coverage limits can help prevent paying out of pocket for damage after an accident you cause.
When looking for the cheapest car insurance, Connecticut residents should make sure to compare as many insurers as possible.
Cheapest full-coverage car insurance quotes in Connecticut: State Farm
The cheapest full-coverage auto insurer in Connecticut is State Farm, with an average annual rate 44% cheaper than the state average overall. Choosing State Farm over an average insurer in the state could save you $967 per year on car insurance.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,212 | $101 |
| Travelers | $1,335 | $111 |
| Geico | $2,098 | $175 |
| Nationwide | $2,124 | $177 |
| Allstate | $2,847 | $237 |
| Amica | $2,971 | $248 |
| Progressive | $3,394 | $283 |
| USAA | $1,450 | $121 |
*USAA is only available to current and former military members and their families.
Full-coverage policies include collision and comprehensive coverage — which pay for repairs to your vehicle regardless of fault — in addition to state-mandated auto insurance coverage. Although comprehensive and collision insurance drastically increase the cost of premiums, they may be worth it if your car is worth more than a few thousand dollars.
Cheap car insurance for drivers with prior incidents
If you were recently at fault in an accident, or caught speeding or driving under the influence, you're likely to see your car insurance bill increase. This makes it especially important to shop around for your best price. State Farm is often the best option for cheapest rates for Connecticut drivers with incidents on their records:
Find Cheap Auto Insurance Quotes in Connecticut
Cheapest car insurance after a speeding ticket: State Farm
We found that State Farm offers very affordable rates to Connecticut drivers with a speeding ticket, with an annual price of $1,324. That's 47% less than the typical rate we found across all insurers. On average, a speeding ticket raised Connecticut insurance rates by 15%.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,324 | $110 |
| Travelers | $1,780 | $148 |
| Geico | $2,098 | $175 |
| Nationwide | $2,540 | $212 |
| Allstate | $2,847 | $237 |
| Amica | $3,441 | $287 |
| Progressive | $4,402 | $367 |
| USAA | $1,667 | $139 |
USAA is only available to current and former military members and their families.
Cheapest car insurance quotes after an accident: State Farm
The company that offered the cheapest car insurance rates for drivers with an accident in Connecticut is State Farm, according to our research. Annual premiums from this company, on average, are $1,324 per year for a full-coverage policy with an at-fault accident on a driver's record.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,324 | $110 |
| Travelers | $1,539 | $128 |
| Geico | $2,515 | $210 |
| Nationwide | $3,472 | $289 |
| Amica | $4,498 | $375 |
| Allstate | $4,675 | $390 |
| Progressive | $4,920 | $410 |
| USAA | $2,058 | $172 |
USAA is only available to current and former military members and their families.
After you get into an accident, you should consider shopping around for car insurance to ensure you are getting the lowest possible rates. Insurers weigh factors such as car accidents differently, so the cheapest insurance company for you could change after you've been in a crash.
Cheapest car insurance after a DUI: Travelers
We found that Travelers is the most affordable option for drivers with DUIs in Connecticut. The company's average rate is $2,338 per year, around half the state average.
Getting a DUI is a serious infraction, and it often comes with a major penalty on your car insurance rates — one DUI more than doubles rates for Connecticut drivers.
Company | Annual rate | Monthly rate |
|---|---|---|
| Travelers | $2,338 | $195 |
| State Farm | $3,804 | $317 |
| Nationwide | $3,927 | $327 |
| Progressive | $3,988 | $332 |
| Allstate | $4,098 | $342 |
| Geico | $5,702 | $475 |
| Amica | $10,375 | $865 |
| USAA | $3,024 | $252 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with poor credit: Travelers
Travelers has the best rates for a full-coverage policy for a driver with poor credit in Connecticut, at an average of $3,111 per year. That's 35% less than the typical price from all insurers.
Company | Annual rate | Monthly rate |
|---|---|---|
| Travelers | $2,018 | $168 |
| Geico | $2,098 | $175 |
| State Farm | $2,195 | $183 |
| Nationwide | $2,911 | $243 |
| Allstate | $4,230 | $353 |
| Amica | $4,586 | $382 |
| Progressive | $4,673 | $389 |
| USAA | $2,175 | $181 |
*USAA is only available to current and former military members and their families.
While your credit score doesn't impact your ability to drive safely, insurers have found people with lower credit scores tend to file claims more often. As a result, drivers with poor credit pay 43% more in Connecticut.
Cheapest car insurance quotes for married drivers: State Farm
State Farm has the best rates for drivers who are married. We found a typical rate of $1,212 per year for a married driver from State Farm. On average, car insurance companies offer rates 4% cheaper to Connecticut drivers who are married, since married people tend to file car insurance claims less often. Married drivers may be able to save even more by buying a joint car insurance policy with their spouse.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,212 | $101 |
| Travelers | $1,258 | $105 |
| Nationwide | $1,960 | $163 |
| Geico | $2,179 | $182 |
| Progressive | $2,620 | $218 |
| Allstate | $2,817 | $235 |
| Amica | $3,471 | $289 |
| USAA | $1,254 | $105 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers in Connecticut: State Farm
Young drivers shopping for the cheapest car insurance in Connecticut could find the best rates with State Farm, which has rates of $1,986 per year for minimum liability and $3,714 for full coverage.
The average cost of minimum car insurance for 18-year-old drivers in Connecticut is $4,231 per year, or $353 per month. That's $3,189 more expensive annually than it is for the same amount of coverage for an older driver.
Younger drivers are much more likely to file claims than older drivers, so their rates are typically more expensive until they gain more driving experience.
Company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $1,986 | $3,714 |
| Geico | $3,786 | $7,211 |
| Allstate | $3,834 | $7,285 |
| Nationwide | $4,543 | $8,052 |
| Amica | $4,548 | $10,586 |
| Travelers | $6,307 | $13,383 |
| Progressive | $7,105 | $13,518 |
| USAA | $1,736 | $3,655 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for teen drivers after a ticket: State Farm
A young driver with a speeding ticket can expect to pay around $4,583 per year for a minimum-coverage policy, on average. However, we found much more affordable rates at State Farm, where the typical price is a comparatively slight $2,198 per year.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $2,198 | $183 |
| Geico | $3,786 | $315 |
| Allstate | $3,834 | $320 |
| Nationwide | $4,794 | $400 |
| Amica | $4,839 | $403 |
| Travelers | $7,558 | $630 |
| Progressive | $7,806 | $651 |
| USAA | $1,848 | $154 |
USAA is only available to current and former military members and their families.
Cheapest car insurance for teen drivers after an accident: State Farm
We recommend that younger drivers with a recent accident get car insurance quotes from State Farm. It offered a lower-than-average price of $183 per month for minimum-coverage insurance. That's less than half of what was typical across most insurers.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $2,198 | $183 |
| Geico | $3,786 | $315 |
| Nationwide | $5,212 | $434 |
| Allstate | $5,270 | $439 |
| Amica | $5,494 | $458 |
| Travelers | $6,761 | $563 |
| Progressive | $8,184 | $682 |
| USAA | $2,062 | $172 |
USAA is only available to current and former military members and their families.
Teen drivers facing a high car insurance bill can often take advantage of discounts for young drivers, like a defensive driving course, getting good grades or sharing a car insurance policy with your parents.
Best car insurance companies in Connecticut
The best auto insurers in Connecticut are Amica, Geico and State Farm, according to our analysis. Amica offers strong customer service, while Geico has a convenient user experience along with cheap quotes.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| Amica | 867 | A+ | |
| Geico | 841 | A++ | |
| State Farm | 855 | A++ | |
| Nationwide | 823 | A+ | |
| Travelers | 812 | A++ | |
| Progressive | 840 | A+ | |
| Allstate | 810 | A+ | |
| USAA | 887 | A++ |
To help car insurance shoppers make a more informed decision, we weighed J.D. Power's Auto Claims Satisfaction Survey and AM Best's Financial Strength Rating alongside our editor's rating, which includes customer service, affordability and coverage options.
Average cost of car insurance in Connecticut by city
Connecticut's highest rates are found in Hartford, the state's capital, at $3,065 per year. Bozrah, a small town just outside of Norwich, has the cheapest rates, at $1,886 per year.
Where you live can have a dramatic impact on the quotes you get for auto insurance. The cost of full-coverage insurance varies by city. Factors such as road conditions and auto theft in a given area can mean higher claims, which in turn means higher rates.
City | Average annual rate | Percent from average |
|---|---|---|
| Abington | $2,013 | -8% |
| Amston | $1,974 | -9% |
| Andover | $1,973 | -9% |
| Ansonia | $2,449 | 12% |
| Ashford | $1,984 | -9% |
Minimum car insurance requirements in Connecticut
In Connecticut, drivers must carry a minimum amount of car insurance in order to legally drive. Connecticut's requirements only require drivers to carry 25/50/25 liability coverage plus underinsured motorist coverage.
- $25,000 per person/$50,000 per accident of bodily liability injury
- $25,000 of property liability insurance
- $25,000 per person/$50,000 per accident of uninsured/underinsured motorist coverage
Recap of the cheapest car insurance in Connecticut
- Minimum coverage: State Farm
- Full coverage: State Farm
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: Travelers
- Poor credit history: Travelers
- Married drivers: State Farm
- Young drivers: State Farm
- Young drivers after a ticket: State Farm
- Young drivers after an accident: State Farm
Frequently asked questions
Who has the cheapest car insurance quotes in Connecticut?
The cheapest minimum coverage car insurance in Connecticut is offered by State Farm, based on our analysis. The company charges an average of $629 a year for minimum coverage, and $1,212 per year for full coverage.
How much car insurance coverage do I need in Connecticut?
Connecticut drivers are required to have $25,000 per person and $50,000 per accident in bodily injury liability auto insurance coverage, as well as $25,000 in property liability coverage. They also need to have $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage to drive legally.
How much is car insurance in Connecticut?
A minimum-coverage car insurance policy in Connecticut costs an average of $87 per month, or $1,041 per year, according to our analysis. A full-coverage policy costs an average of $134 per month, or $1,610 per year. Your rate will likely deviate from that based on your location, driving history and other personal factors.
Is Connecticut car insurance higher than insurance in other states?
The average rate for car insurance in Connecticut is more expensive than in most other states. The average cost for a minimum coverage policy is the eighth most expensive rate in the country, at $1,041 per year. Car insurance is more expensive in Connecticut due to the high population density and traffic congestion and because drivers must carry uninsured/underinsured motorist coverage.
Is car insurance cheaper in Connecticut than New York?
Yes, Connecticut car insurance is cheaper than insurance in New York state by about 4% for minimum coverage.
Methodology
We collected thousands of quotes from ZIP codes across Connecticut from some of the state's largest insurers using a typical driver:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
For our minimum-coverage policy, we quoted a policy with the minimum required limits in Connecticut. Full-coverage policies included higher liability limits:
Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.