Auto Insurance Basics

Who Has the Cheapest Car Insurance Quotes In Connecticut?

Find the Cheapest Insurance Quotes in Your Area

Currently Insured?

Connecticut has one of more expensive auto insurance industries in the nation, but that doesn't mean all drivers have to pay high costs. There are many variations depending on which companies they insure with. So who has the cheapest auto insurance in Connecticut? We pored over quotes for a typical commuter from 16 insurers across 66 cities in Connecticut. The average cost for our benchmark drivers was $2,228 annually, from $985 at the cheapest insurer to $6,736 at the most expensive company - the most expensive company cost 5.7x as much as the carrier with the lowest costs. That's why we always recommend drivers get quotes from at least three companies - enter your zip code above for a list of cheap companies in your area.

Cheapest Auto Insurance Quotes in Connecticut

The quotes for our 30 year old single male driver showed that he could find his cheapest auto insurance costs at Progressive, GEICO, Amica, Nationwide, and State Farm. In aggregate, the top three companies had an average cost of $1,050, which was 53% cheaper than the statewide average. The top five cheapest weren't far off, and still represented savings of 48% compared to the 16-company composite. 

This graph shows which companies had the cheapest auto insurance quotes for our sample drivers in Connecticut

Find the Cheapest Auto Insurance Quotes in Your Area

Currently Insured?

California Casualty, Unitrin, and MetLife helped to round out the top eight most affordable insurers. Before you get quotes from California Casualty, check if you meet their eligibility requirements. USAA only insures drivers who have a military connection, and California Casualty insures people who work in four select professions. 

RankAuto Insurance CompanyAverage Annual Rates
1Progressive$985
2GEICO$985
3Amica$1,179
4Nationwide$1,179
5State Farm$1,425
6Cal Casualty$1,586
7Unitrin$1,595
8MetLife$1,673
9Allstate$1,770
10Encompass$2,112
11Victoria$2,390
12Liberty Mutual$2,535
13Electric$2,933
14Hanover$3,200
15Foremost$3,359
16Middlesex$6,736

Cheapest Car Insurance in Connecticut: by City

Our research into car insurance quotes in Connecticut showed that the most affordable city for our sample driver was Mystic, while the most expensive rates were in Hartford. Based on insuring a car alone, Hartford drivers pay 68% or $1,268 more a year than if they'd been living in Mystic. The table below shows where our profiled drivers found their cheapest quotes for auto insurance in each city. You won't get the same rates because your driving history and liability needs are different, but these companies can be a good starting point to compare quotes at. Drivers living in Hartford, Bridgeport, New Haven, Hamden, and Stratford will have even more incentive as they live in the five most expensive cities in our study.

CityAuto Insurance CompanyAverage Annual Rates
AvonProgressive$887
GEICO$931
Amica$984
BerlinGEICO$898
Progressive$936
Amica$984
BethelProgressive$887
GEICO$961
Amica$1,128
BloomfieldGEICO$1,094
Progressive$1,124
Amica$1,200
BranfordGEICO$1,009
Amica$1,116
Progressive$1,139
BridgeportProgressive$1,136
GEICO$1,317
Nationwide$1,428
BristolProgressive$940
Amica$984
Nationwide$1,032
CheshireProgressive$962
Amica$1,032
Nationwide$1,032
DanburyGEICO$995
Progressive$1,031
Amica$1,128
DarienGEICO$900
Progressive$925
Amica$1,092
East HartfordGEICO$1,063
Progressive$1,064
Nationwide$1,080
East HavenGEICO$1,265
Amica$1,320
Progressive$1,327
EastonGEICO$955
Progressive$993
Nationwide$1,428
FairfieldGEICO$938
Progressive$981
Amica$1,116
GlastonburyGEICO$931
Progressive$962
Amica$984
GreenwichProgressive$838
GEICO$933
Nationwide$1,128
GrotonProgressive$795
GEICO$856
Amica$936
GuilfordGEICO$914
Progressive$932
Nationwide$1,080
HamdenGEICO$1,084
Progressive$1,332
Nationwide$1,440
HartfordProgressive$1,154
GEICO$1,261
Amica$1,608
LakevilleProgressive$921
GEICO$942
Nationwide$1,080
MadisonProgressive$851
GEICO$929
Nationwide$1,008
ManchesterGEICO$905
Progressive$970
Amica$984
MeridenGEICO$1,042
Progressive$1,056
Nationwide$1,080
MiddlefieldGEICO$892
Amica$1,008
Progressive$1,062
MiddletownGEICO$945
Amica$1,008
Nationwide$1,080
MilfordGEICO$986
Progressive$1,022
Nationwide$1,236
MonroeGEICO$994
Progressive$1,000
Amica$1,128
MysticGEICO$821
Progressive$924
Amica$936
NaugatuckProgressive$998
GEICO$1,042
Nationwide$1,176
New BritainProgressive$840
GEICO$1,111
Amica$1,176
New CanaanProgressive$874
GEICO$908
Nationwide$1,128
New HavenGEICO$1,255
Progressive$1,327
Nationwide$1,440
New LondonGEICO$929
Progressive$936
Amica$936
New MilfordProgressive$861
GEICO$995
Nationwide$1,080
NewingtonGEICO$898
Progressive$987
Unitrin$1,464
North HavenProgressive$1,056
GEICO$1,064
Nationwide$1,236
NorwalkGEICO$941
Progressive$985
Nationwide$1,128
PlainvilleGEICO$941
Progressive$972
Amica$984
PutnamProgressive$850
GEICO$910
Amica$960
RidgefieldProgressive$898
GEICO$947
Amica$1,140
SeymourGEICO$989
Progressive$1,046
Nationwide$1,128
SimsburyProgressive$802
GEICO$931
Amica$984
SouthingtonGEICO$941
Amica$984
Progressive$993
StamfordGEICO$998
Progressive$1,011
Nationwide$1,176
StratfordGEICO$1,068
Progressive$1,154
Nationwide$1,428
ThompsonProgressive$840
GEICO$910
Amica$960
TorringtonGEICO$920
Amica$936
Progressive$956
TrumbullProgressive$990
GEICO$1,008
Nationwide$1,428
VernonAmica$960
Nationwide$1,068
Progressive$1,174
WaterburyGEICO$971
Progressive$1,008
Amica$1,320
WatertownGEICO$962
Progressive$968
Nationwide$1,080
West HartfordProgressive$1,199
GEICO$1,204
Unitrin$1,464
West HavenProgressive$943
GEICO$947
Amica$1,320
WestonProgressive$904
GEICO$905
Amica$1,116
WestportGEICO$931
Progressive$955
Amica$1,116
WethersfieldProgressive$879
GEICO$882
Unitrin$1,464
WillimanticProgressive$887
GEICO$947
Amica$960
WiltonProgressive$906
GEICO$920
Nationwide$1,128
WoodbridgeGEICO$989
Progressive$1,095
Nationwide$1,440
WoodburyProgressive$949
GEICO$960
Amica$1,092
WoodstockProgressive$872
GEICO$910
Amica$960

Bridgeport, CT

The most populous city in Connecticut is the second most expensive place for car insurance in the state, with an average annual cost of $3,059, 37% above the state average. Bridgeport fell on hard times after World War II, when industrial restructuring and suburbanization meant losing jobs and wealthy residents. The city was governed at one point by circus promoter P.T. Barnum, and is also home to the first Subway restaurant.

Drivers in Bridgeport looking to save on their insurance costs should get quotes at Progressive, GEICO, and Nationwide. These three companies had the cheapest car insurance quotes for our sample drivers, and were about 58% lower compared to the citywide mean. Amica and California Casualty (which only insures people in four professions) round out the top five companies, and with an average cost of $1,728 for single 30-year old man, are 44% cheaper than what the typical insurer in Bridgeport charged.

This company shows the average annual rates from the five cheapest companies for car insurance in Bridgeport

New Haven, CT

New Haven is our third most expensive city for auto insurance in Connecticut. The city served as a second capital to Connecticut until 1873. Located on the northern shore of the Long Island Sound, New Haven is most renowned for being home to Yale University. The average annual cost of auto insurance in the city is $3,035, 36% above the state average. College students might want to think again about bringing a car to campus.

GEICO, Progressive, Nationwide, Amica, and State Farm had five of the lowest auto insurance rates for our drivers in New Haven. We recommend motorists include these companies when they're comparing quotes for the best rates. On average, these companies quoted our single male driver $1,474 for basic liability coverage, which came out to be $1,561 or 49% more affordable compared to the typical company underwriting in the state.

Hartford, CT

Apparently the “Insurance Capital of the World” isn’t a great place to find affordable car insurance. Hartford houses the headquarters of many insurance companies. Insurance is the region’s largest industry, and Aetna, UnitedHealthcare, Travelers, and The Hartford all have large presences here. The average rate for car insurance in Connecticut’s capital city is $3,140 annually, a whopping 41% more than the state average.

Despite rates costing 41% more than the Constitution State average, there is still an opportunity for Hartford drivers to save with a bit of comparison shopping. Car insurance quotes at Progressive, GEICO, Amica, Nationwide, and California Casualty were the cheapest for our sample driver, and about 52% lower compared to the 16-company mean. Just bear in mind though, that California Casualty is a specialty insurer with eligibility requirements for their policyholders.

Based on our sample drivers, we've identified the five companies with the cheapest quotes for car insurance in Hartford, CT

Stamford, CT

Stamfordites have a good opportunity to bump into celebrities in their hometown. The city has been featured in many Hollywood films and television shows due to favorable tax credits ranging from "Scenes from a Mall" to "The Office". Despite being the 4th most populated city in the Constitution State, insuring a car in Stamford is a mere 2% costlier than in the rest of the state. Even though costs are closer to the mean, drivers in Stamford still have an opportunity to save about 48%. We recommend GEICO, Progressive, Nationwide, Amica, and State Farm, which were the five companies with the best car insurance quotes for our sample drivers. Rates at these five insurers averaged $1,184 for a year's worth of full coverage insurance, and represented a 48% reduction to the Stamford city average.

As our graph shows, GEICO, Amica, USAA, Nationwide, and State Farm had the five lowest rates for our benchmark drivers in Stamford, CT.

Waterbury, CT

Costs in Waterbury are 17% more expensive than what drivers pay for auto insurance anywhere else in Connecticut. We suggest Waterburry residents looking for cheap car insurance quotes include GEICO, Progressive, Amica, Nationwide, or State Farm. When it came out our sample drivers, these were the five most affordable companies to insure their vehicle with. The mean annual rate was $1,301 a year, which was $1,303 and 50% lower than the $2,604 that the typical insurer charged in Waterbury. Beyond auto insurance. the city of Waterbury has strong roots in manufacturing, and at one point even supplied a watch to Mark Twain and various buttons to companies ranging from Brooks Brothers to Burger King.

Displayed in the graph are the names and average premiums for the five companies in Waterbury with the most affordable auto insurance.

West Hartford, CT

Though Travel and Leisure ranks West Hartford as one of the 10 “coolest” suburbs in the U.S., it is also our sixth most expensive city for auto insurance in Connecticut. West Hartford is home to the West Hartford Reservoir, a place for residents and visitors to take in nature. It is adjacent to Hartford, and comparable in terms of rates. The average annual cost is $2,900, which puts it 30% above the state average. Despite costing a quarter more than what drivers in Connecticut pay elsewhere, costs in West Hartford can be affordable. If you live in West Hartford and you're looking to lower your auto insurance costs, consider getting quotes from Progressive, GEICO, Unitrin, California Casualty, and Amica. Rates among these five companies were a 51% reduction compared to the citywide average, which translated into $1,486 back in our sample drivers' wallets. 

This graph shows which companies in Hartford, CT had the lowest car insurance quotes for our drivers

Stratford, CT

Stratford, named after the Bard’s hometown, is the fifth most expensive place for auto insurance in Connecticut. It is home to the American Shakespeare Theatre and an annual Shakespeare in the Park performance in the amphitheater behind Stratford Library. The average cost of auto insurance in the town is $2,912, 31% above the state average. Affordable car insurance can still be had in Stratford if you know where to look, however. Based on our research into quotes for our two sample drivers, we recommend GEICO, Progressive, Nationwide, California Casualty, and Amica for cheaper rates. The five insurers quoted an average of $1,378 per year for our motorists' full coverage insurance, which came out to be a 53% decrease versus the town mean.

This graph lays out the top insurers in Stratford, CT with the lowest car insurance costs based on our driver study

Mystic, CT

Mystic is a major New England tourist destination. The coastal city, nestled on the Long Island Sound, is home to one of the largest outdoor Beluga whale exhibits in America. It is also home to the largest maritime museum in the nation. Mystic makes the top of our list with an average rate of $1,872 annually, 16% less than the state average. Mystic drivers looking for an even bigger deal on their auto insurance costs may want to consider adding GEICO, Progressive, and Amica to the mix. That's because these three providers had an average annual premium for our sample drivers that was $894 or 52% lower than what they typical company charged for auto insurance here. Nationwide and State Farm help to round out the top five cheapest companies in Mystic.

This graph shows which companies can potentially offer Mystic drivers a deal on their auto insurance costs

Essex, CT

Essex isn’t just “The Best Small Town in America.” It now also ranks as the third cheapest in our study, coming in 16% under the state average with an average annual cost of $1,879. It is one of the few American towns that has been attacked by a foreign power (during the war of 1812). The town is chock full of early American attractions like its old steam train and an historic schoolhouse. It boasts some of the best examples of early colonial architecture like the 1776 Griswold Inn. If you live and drive in Essex, we recommend that you consider GEICO, Progressive, Amica, Nationwide, and State Farm when you're getting quotes for car insurance. These five companies had the best rates for insuring our sample drivers' vehicles in Essex; in aggregate, their mean annual premium of $995 saved our sample drivers $884 or 47% compared to going with the typical insurer here.

This graph shows which five companies had the most attractive rates for auto insurance in Essex

Old Saybrook, CT

Katherine Hepburn called this town home. Old Saybrook was also the original site of “The Collegiate School of Connecticut,” which was eventually renamed Yale University and moved to New Haven. The town also lends its seal to the Connecticut flag. It ranks second in our lineup with an average annual cost of $1,872, 16% less than the Connecticut average. Our benchmark motorists found the best car insurance quotes in Old Saybrook at Progressive, GEICO, and Amica. $885 was the average annual premium at these three companies, which saved our motorists $987, and shaved 53% off what they would have had to pay with the typical insurer in town. Even going with the 4th or 5th best companies would still save our driver money - the five carriers averaged savings our 48% versus the Old Saybrook mean.

Based on our data, GEICO, Amica, State Farm, Nationwide, and USAA had the best rates for car insurance in Old Saybrook, CT

Middlefield, CT

Located slightly inland, Middlefield's car insurance on average costs $2,011 annually, 10% less than the state average. Middlefield has everything from old 18th century saltbox houses to a variety of quintessential New England outdoor activities. Based on our sample drivers, we recommend that you include GEICO, Amica, Progressive, Nationwide, and State Farm when getting auto insurance quotes. They had the lowest quotes for car insurance with rates averaging $1,053 for savings of $958 off of the townwide mean.

This chart shows the five auto insurance companies with the lowest quotes in Middlefield, CT, and compares them to the town average

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 are relatively small compared to most other states and only require drivers to carry the liability portion.

  • $20,000 per person/$40,000 per accident of bodily liability injury
  • $10,000 of property liability insurance

Best Car Insurance Companies in Connecticut

Which are the best auto insurers in Connecticut? One way we decided to quantify and address this question was to analyze the amount of complaints generated by each company and in total, and look at how they compared against each other. We took all filed complaints with the Connecticut Insurance Department for the largest insurers with premiums greater than $10MM, and excluded the unjustified complaints to calculate an index. We divided each company's percentage of complaints by its earned premiums percentage, and compared them against each other to get the index. Hypothetically, the smaller a carrier's share of customer complaints versus its share of auto insurance business in CT, the better it is performing versus its competitors. In Connecticut, the three best rated companies are Middlesex Mutual Assurance, Ohio Mutual Insurance Company, and Amica using this metric. Below is a table of insurers ranked by complaint index. A complaint index of 1 is average, while numbers above 1 are worse. 

Auto Insurance Companies in Connecticut # of Complaints (ex unjustified) Total Premiums Underwritten Complaint Index
Middlesex Mutual Assurance Company 0 $47,923,184 0.00
Ohio Mutual Insurance Company 1 186,415,619 0.02
Amica 3 100,860,211 0.09
State Auto 1 31,986,932 0.10
CSAA Insurance 1 29,494,351 0.11
State Farm 5 136,602,831 0.12
Travelers 7 184,353,835 0.12
Kemper 1 24,459,018 0.13
Hanover 2 45,255,598 0.14
Progressive 11 240,385,770 0.15
Nationwide 7 145,021,307 0.15
GEICO 21 416,237,784 0.16
21st Century 2 37,653,469 0.17
AIG 1 16,170,340 0.20
Allstate 19 287,638,673 0.21
MAPFRE Insurance 2 29,797,361 0.21
Arbella Mutual Insurance Company 2 27,559,136 0.23
Liberty Mutual 17 207,051,836 0.26
Safeco 11 130,270,662 0.27
QBE Insurance 1 11,585,179 0.28
Great Northern Insurance 2 21,767,845 0.29
Zurich Insurance Group 2 17,576,080 0.36
MetLife 12 104,777,455 0.37
Michael Karfunkel Grantor Annuity Trust 3 25,675,383 0.37
USAA 13 103,549,831 0.40
Hartford 18 130,699,592 0.44
Esurance 4 25,633,807 0.50
Ameriprise 2 12,120,650 0.53
Plymouth Rock 4 22,906,946 0.56
ACE Insurance 3 14,181,973 0.67
Foremost 5 15,661,722 1.02
Omni Insurance 8 10,283,004 2.48

Average Cost of Car Insurance in Connecticut: by City

On average, it costs $2,228 a year for our profiled driver to insure an automobile in Connecticut. From Mystic to Hartford, annual premiums can range about $1,872 to $3,140. Here are the 66 cities in Connecticut ranked from the cheapest to the most expensive cities.

This table shows what the average cost of car insurance is in Connecticut across 60 plus cities

How We Conducted the Study

We looked at rates in Connecticut for a sample drivers in 66 cities within the state: a single 30 year old male who owns in full and drives a 2010 Toyota Camry back and forth from work, for the most part, about 12,000 miles a year. He also has good credit history and a great driving record with no accidents or traffic violations in the past five years.

Costs are based on basic liability protection for the 2010 Toyota Camry, and provides about twice the minimum liability required in Connecticut. Connecticut requires minimum auto insurance liability of $20,000 per person for bodily injury protection and up to $40,000 per accident, and $10,000 for property damage per accident. Included in our study are national insurance companies such as Allstate, State Farm, and GEICO, as well as regional companies like Middlesex Mutual Auto Insurance.

Insurance Coverage Connecticut Minimum Coverage Study Coverage
Bodily Injury (BI) (per person / per accident) $20,000 / $40,000 $50,000 / $100,000
Property Damage (PD) 10,000 25,000
Uninsured Motorist BI (per person / per accident) $20,000 / $40,000 50,000 / 100,000
Uninsured Motorist PD 25,000

Included in our Connecticut study are 66 cities. Below are all 66 cities ranked with their average cost and change compared to the Constitution State.

RankCityAverage Annual RatesChange vs. CT Average
6Avon$1,914-14%
19Berlin$1,966-12%
32Bethel$2,068-7%
46Bloomfield$2,2501%
49Branford$2,2883%
65Bridgeport$3,05937%
25Bristol$2,016-10%
38Cheshire$2,131-4%
33Danbury$2,099-6%
35Darien$2,110-5%
11East Hartford$1,928-13%
55East Haven$2,62118%
58Easton$2,82227%
3Essex$1,878-16%
43Fairfield$2,213-1%
15Glastonbury$1,957-12%
36Greenwich$2,111-5%
4Groton$1,887-15%
40Guilford$2,151-3%
63Hamden$2,94032%
66Hartford$3,14041%
8Lakeville$1,919-14%
26Madison$2,024-9%
20Manchester$1,974-11%
42Meriden$2,195-1%
23Middlefield$2,011-10%
24Middletown$2,012-10%
50Milford$2,3596%
37Monroe$2,124-5%
1Mystic$1,872-16%
47Naugatuck$2,2682%
51New Britain$2,3716%
30New Canaan$2,059-8%
64New Haven$3,03536%
13New London$1,931-13%
17New Milford$1,963-12%
57Newington$2,82127%
52North Haven$2,4249%
41Norwalk$2,173-2%
2Old Saybrook$1,872-16%
22Plainville$1,989-11%
10Putnam$1,927-14%
31Redding$2,060-8%
28Ridgefield$2,053-8%
45Seymour$2,2340%
14Simsbury$1,956-12%
21Southington$1,986-11%
48Stamford$2,2762%
62Stratford$2,91231%
9Thompson$1,921-14%
5Torrington$1,906-14%
59Trumbull$2,83527%
16Vernon$1,958-12%
54Waterbury$2,60417%
34Watertown$2,106-5%
61West Hartford$2,90030%
53West Haven$2,51613%
27Weston$2,052-8%
39Westport$2,131-4%
56Wethersfield$2,80926%
7Willimantic$1,916-14%
29Wilton$2,054-8%
60Woodbridge$2,84628%
18Woodbury$1,964-12%
12Woodstock$1,929-13%

Sources:
Minimum Auto Insurance Requirements in Connecticut: http://www.ct.gov/cid/cwp/view.asp?q=254618
Connecticut Population: http://quickfacts.census.gov/qfd/states/09000.html

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