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Best & Cheapest Car Insurance Quotes in Connecticut (2024)

State Farm has the best quotes in Connecticut, at $713 per year or $59 per month for minimum liability coverage.

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Best cheap car insurance in Connecticut

To help drivers find the best cheap auto insurance in Connecticut, our editorial team collected quotes from top car insurance companies across every ZIP code in CT.

Quotes for minimum coverage meet Connecticut's state minimum requirements.

  • $25,000 per person and $50,000 per accident in bodily injury liability coverage
  • $25,000 per person and $50,000 per accident in uninsured motorist bodily injury liability coverage
  • $25,000 per accident in property damage protection

Full coverage quotes include higher liability limits than state minimums, along with comprehensive and collision protection.

Our experts also ranked the best and cheapest Connecticut car insurance companies based on the cost of insurance for different drivers, coverage options and customer service reviews.

Cheapest full coverage car insurance in Connecticut: State Farm

State Farm is the cheapest car insurance company for full coverage in Connecticut, with an average rate of $121 per month. That's 38% cheaper than the state average overall.

Cheapest car insurance companies in Connecticut

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Cheapest full-coverage car insurance companies in CT

Monthly rate
State Farm logo
State Farm$121
Geico logo
Farmers logo
Amica logo
Nationwide logo
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*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 even if you cause an accident. Full coverage also includes liability coverage required by the state.

However, though comprehensive and collision insurance increases your rates, they could be worth it if your car is worth more than $5,000 or less than 8 years old.

Cheapest auto insurance quotes in Connecticut: State Farm

State Farm is the cheapest car insurance company for a minimum liability policy in Connecticut. Quotes from State Farm average $59 per month, which is 34% cheaper than the statewide average.

Cheapest CT car insurance companies

Monthly rate
State Farm$59
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*USAA is only available to current and former military members and their families.

If you're eligible as a veteran, military member or a family member, USAA is a great choice in Connecticut. It has some of the best customer service you can find and is cheaper than State Farm.

Minimum liability car insurance policies are the cheapest way to satisfy the 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 potentially paying a lot of money for damage after an accident you cause.

When looking for the cheapest car insurance, Connecticut residents should make sure to compare quotes from multiple companies.

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.

State Farm has average rates of $189 per month for minimum liability and $371 for full coverage.

The average cost of minimum car insurance for 18-year-old drivers in Connecticut is $318 per month. That's three and a half times more expensive annually than it is for the same amount of coverage for an older driver.

Cheapest CT car insurance companies for teens

Liability only
Full coverage
State Farm$189$371
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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.

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Cheapest car insurance after a speeding ticket: State Farm

The best rates for cheap insurance in Connecticut after a speeding ticket are from State Farm, with a monthly price of $129. That's 44% less than the typical rate we found across all companies.

Cheapest car insurance in CT with a ticket

Monthly rate
State Farm$129
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On average, a speeding ticket raised Connecticut insurance rates by 17%.

Cheapest car insurance quotes after an accident: State Farm

State Farm offers the cheapest car insurance rates for drivers with an accident in Connecticut. Annual rates, on average, are $129 per month for a full-coverage State Farm policy after an accident. That's only a few dollars more than the cost without an at-fault crash.

Cheapest CT car insurance with at-fault accident

Monthly rate
State Farm$129
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On average, an accident in Connecticut raises rates 62%.

After you get into an accident, you should consider shopping around for car insurance to ensure you’re getting the lowest possible rates. Insurance companies weigh factors like car accidents differently. Farmers raises rates by more than double, while State Farm only increases them 7%.

Cheapest car insurance for young drivers after a ticket or accident: State Farm

State Farm has the cheapest car insurance for you drivers after both a speeding ticket and at-fault accident.

State Farm charges an 18-year-old an average of $205 per month after a speeding ticket. That's 43% less than the state average.

Teen drivers with an at-fault accident pay an average of $478 per month in Connecticut. State Farm's rates are less than half that.

State Farm$205$205
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A speeding ticket raises rates for CT teen drivers 13%, while an accident bumps up rates by 50%.

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.

Cheapest car insurance after a DUI: Allstate

Allstate is the most affordable option for those convicted of driving under the influence. The company's average rate for drivers with DUIs in Connecticut — $344 per month — is 25% of the state average.

Cheapest CT DUI car insurance

Monthly rate
State Farm$564
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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.

Cheapest CT car insurance for drivers with poor credit: Geico

Geico has the best rates for a full-coverage policy for a driver with poor credit in Connecticut, at an average of $214 per month. That's 45% less than the typical price in the state.

Cheap car insurance in Connecticut with bad credit

Monthly rate
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While your credit score doesn't impact your ability to drive safely, insurance companies believe people with lower credit scores tend to file claims more often. As a result, drivers with poor credit pay nearly double the rates of drivers with good credit in Connecticut.

Best car insurance companies in Connecticut

State Farm and USAA have the top-rated car insurance Connecticut.

Both companies offer a great combination of trustworthy customer service and cheap rates. However, USAA car insurance is only available to military members, veterans and some of their family members.

Editor's rating
JD Power
AM Best
State Farm
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Choosing a company with good customer service can save you considerable stress if you get in a crash.

Good service means it's less likely you'll have to wait for a payout after a crash, or have to put in extra work to contact someone at the company to get different steps of the process going.

Average cost of car insurance in Connecticut by city

Bridgeport has the most expensive car insurance in Connecticut, while Conning Towers-Nautilus Park has the cheapest.

The average rate in Bridgeport, a mid-sized city between New York City and New Haven is $269 per month. Rates in Conning Towers-Nautilus Park, a rural area on the southeastern edge of the state, are $171 per month.

Where you live can dramatically impact on the quotes you get for auto insurance. The cost of full coverage insurance varies by city. Factors like road conditions and auto theft in a given area can mean higher claims, which in turn means higher rates.

Monthly Rate
% from average
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Minimum car insurance requirements in Connecticut

Drivers in Connecticut must have a car insurance policy that includes 25/50/25 liability coverage and underinsured motorist coverage in order to legally drive.

Bodily injury (BI) liability$25,000 per person / $50,000 per accident
Property damage (PD) liability$25,000 per accident
Uninsured/underinsured motorist bodily injury (UM/UIMBI)$25,000 per person / $50,000 per accident

If you lease or finance your car in Connecticut, you’ll usually be required to add collision and comprehensive coverage. Even if it isn’t required, having both collision and comprehensive car insurance will best protect your car in case of an accident if your car is worth more than $5,000 or newer than 8 years old.

Frequently asked questions

Who has the cheapest car insurance quotes in Connecticut?

State Farm has the cheapest full-coverage and minimum coverage car insurance in CT. The company's average rate in Connecticut is $121 per month for full coverage and $59 per month for liability-only.

How much is car insurance in Connecticut?

A minimum-coverage car insurance policy in Connecticut costs an average of $91 per month, or $1,088 per year. A full coverage policy costs an average of $195 per month, or $2,346 per year.

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.

Is car insurance cheaper in Connecticut than New York?

No, Connecticut car insurance is more expensive than insurance in New York state by an average of $36 per month for full coverage and $3 per month for minimum coverage.


ValuePenguin collected thousands of quotes from every ZIP code across Connecticut from some of the state's largest insurers for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.

For our minimum coverage policy, we quoted a policy with the minimum required limits in Connecticut. Full coverage policies included higher liability 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.