Best & Cheapest Car Insurance Quotes in Connecticut (2026)

Lindsay Bishop
Written by
Updated

Travelers has the cheapest car insurance in Connecticut, at $127/mo for full coverage.

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Best cheap car insurance in CT

Travelers, State Farm and Geico are the cheapest companies for most people in Connecticut.

Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.

Cheapest full coverage car insurance in Connecticut: Travelers

Travelers has the cheapest full coverage insurance in Connecticut.

  • Travelers charges an average of $127 per month for full coverage, which is a 58% savings compared to the state average. But the company's customer service reviews aren’t the best.
  • State Farm is a better option than Travelers if you want good customer service, and its rates are below average. It costs more, at $256 a month, but you can still save 16% compared to the state average.
  • Amica has the best customer service overall. And it's just slightly more expensive than State Farm, at $263 per month for full coverage.

Cheapest insurance companies

Cheapest car insurance companies in Connecticut

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Cheapest full coverage car insurance companies in CT

Company
Monthly rate
Travelers$127
Geico$191
State Farm$256
Amica$263
USAA*$150

*USAA is only available to current and former military members and their families.

Think you're overpaying for car insurance?

You're probably not alone, as car insurance rates across Connecticut went up by 43% between 2022 and 2026. But you can still save by choosing the right company.

Travelers has the cheapest rates for most people in Connecticut, and its rates have been fairly stable compared to some other companies across the state. Over the last five years, Travelers has raised rates by around 30% in Connecticut.

Amica has raised rates by 23% over the same time period. So if you don't want to see your rates go up by a lot, Amica might be your best bet.

Data-powered research on Connecticut car insurance

132,352 quotes analyzed from 10 leading Connecticut car insurance companies.
314 ZIP codes studied to show how rates vary across Connecticut.
Reviewed by insurance experts including journalists and licensed agents.
Editorially independent rankings that insurance companies can't influence.

Cheapest liability insurance quotes in Connecticut: Travelers

  • Travelers is the cheapest car insurance company in Connecticut for a minimum liability policy. Quotes from Travelers average $49 per month. That's a savings of around 65% compared to the CT state average.
  • USAA is a great option if you can get it as a veteran, current military member or close relative to a military member. It has some of the best customer service in Connecticut and is only a little more expensive than Travelers.

Cheapest CT car insurance companies

Company
Monthly rate
Travelers$49
Geico$79
Amica$109
State Farm$124
USAA*$64

*USAA is only available to current and former military members and their families.

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Car insurance savings in Connecticut by city

  • Travelers offers the best car insurance savings in almost every Connecticut city and town. The only exceptions are East Glastonbury, East Windsor Hill and Milldale, where Geico is the cheapest.
  • Bridgeport, up the coast from NYC, has the most expensive car insurance in Connecticut, at $431 per month.
  • Residents of Bolton, a small town outside Hartford, pay the least for coverage, at just $269 per month.

Cheapest full coverage quotes in CT by city

City
Avg. rate
Cheapest company
Cheapest rate
Bridgeport$431Travelers$182
Stamford$338Travelers$144
New Haven$428Travelers$179
Hartford$428Travelers$195
Waterbury$392Travelers$164
Norwalk$317Travelers$134
Danbury$314Travelers$127
New Britain$340Travelers$148
Bristol$300Travelers$130
Meriden$321Travelers$121
West Haven$387Travelers$147
Milford$342Travelers$137
Middletown$311Travelers$130
Shelton$328Travelers$138
Norwich$288Travelers$111
Torrington$283Travelers$121
New London$288Travelers$114
Abington$300Travelers$119
Amston$274Travelers$115
Andover$270Travelers$111
Ansonia$341Travelers$123
Ashford$279Travelers$112
Avon$281Travelers$112
Ballouville$302Travelers$119
Baltic$288Travelers$121
Bantam$289Travelers$130
Barkhamsted$291Travelers$121
Beacon Falls$332Travelers$128
Berlin$295Travelers$115
Bethany$343Travelers$118
Bethel$308Travelers$119
Bethlehem$300Travelers$121
Bethlehem Village$300Travelers$121
Bloomfield$345Travelers$138
Blue Hills$345Travelers$138
Bolton$269Travelers$107
Botsford$352Travelers$144
Bozrah$280Travelers$110
Branford$313Travelers$131
Branford Center$313Travelers$131
Bridgewater$301Travelers$115
Broad Brook$285Travelers$115
Brookfield$307Travelers$120
Brooklyn$276Travelers$113
Burlington$285Travelers$123
Byram$317Travelers$139
Canaan$281Travelers$117
Canterbury$275Travelers$108
Canton$282Travelers$113
Canton Center$306Travelers$113
Canton Valley$282Travelers$113
Centerbrook$284Travelers$112

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Best car insurance in Connecticut: Amica

Editor's rating
Editor's rating
  • Full coverage rate
    This analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
    $263/mo
  • Claims process
    Claims rating is based on J.D. Power's claims satisfaction survey.
    Great
  • AM Best rating
    An A+ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the second-highest rating available.
    A+
Read review for Amica
From the Experts
Amica's exceptional customer service means you can count on the company to get you back on the road quickly after an accident.
  • Excellent customer service
  • Lots of discounts
  • Not the cheapest option in CT
  • Limited coverage add-ons

The author, Lindsay Bishop, chose the best car insurance companies in Connecticut based on:

ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.

Cheapest car insurance after a speeding ticket in CT: Travelers

Travelers has the cheapest rates in Connecticut after a speeding ticket. At $172 per month for full coverage, choosing Travelers could save you 53% compared to the state average.

Cheapest car insurance in CT after a ticket

Company
Monthly rate
Travelers$172
State Farm$275
Amica$305
Allstate$305
USAA*$172

*USAA is only available to current and former military members and their families.

On average, a speeding ticket will raise insurance rates for CT drivers by 21%.

Cheapest car insurance rates after an accident in CT: Travelers

Travelers offers the cheapest car insurance rates for Connecticut drivers who have had an accident. Full coverage from Travelers costs an average of $142 per month after an accident. That's a savings of around 72% compared to the Connecticut average.

Cheapest CT car insurance with an at-fault accident

Company
Monthly rate
Travelers$142
State Farm$256
Geico$344
Amica$399
USAA*$213

*USAA is only available to current and former military members and their families.

On average, an accident in Connecticut raises rates by 66%.

Car insurance hacks after an accident in CT
  • After you get into an accident, shop around for car insurance to get the best rates. Different insurance companies weigh factors such as car accidents differently.

    There's a difference of $867 per month between the most and least expensive car insurance companies after a crash in CT. That's more than the average monthly loan payment on a brand-new car.

  • Wait until your existing policy is about to expire before you start shopping. Your current insurance company won't consider your recent incident until it recalculates your rates when you renew. If you switch now, you'll end up paying more in the short term.

Cheapest car insurance for young drivers in Connecticut: Geico and Amica

Geico and Amica have the best car insurance rates for young drivers in Connecticut.

At Geico and Amica, young drivers pay about $270 per month for minimum liability. That's a savings of around 45% compared to the Connecticut average. Full coverage for teens is $660 per month at Geico and $668 at Amica.

But Amica has much better customer service ratings. So it's often worth spending a little extra on Amica if you can afford it.

Cheapest CT car insurance companies for teens

Company
Liability only
Full coverage
Geico$270$660
Amica$270$668
State Farm$410$812
Allstate$422$717
USAA*$160$362

*USAA is only available to current and former military members and their families.

Eighteen-year-olds pay about three and a half times more than an older driver would pay for the same minimum coverage policy in Connecticut. That's because teen drivers are more likely to get in crashes or make insurance claims than older adults.

penalties icon

Connecticut has a handful of traffic laws designed to help keep teen drivers safe.

For example, if you're younger than 18 years old, you can't use cellphones or other electronic devices while driving, even in hands-free mode. It's important to follow these laws to avoid tickets, which can make your car insurance bill even more expensive.

Cheapest car insurance in CT for teens with bad driving records: Amica

  • Speeding ticket: Amica has the cheapest car insurance in Connecticut for young drivers with a recent speeding ticket. It charges an 18-year-old in Connecticut an average of $288 per month after one ticket. That's a savings of around 49% compared to the state average.
  • Accident: Amica also has the most affordable rates after an accident. At $326 per month for minimum liability insurance, Amica could save you 56% compared to the Connecticut average.

Best car insurance rates in Connecticut for teens with bad driving records

Company
Ticket
Accident
Amica$288$326
Geico$367$406
Allstate$422$1,169
State Farm$445$410
USAA*$195$236

*USAA is only available to current and former military members and their families.

A speeding ticket raises rates for CT teen drivers by 16%, while an accident bumps up rates by 50%.

Tips for saving on car insurance after a ticket or accident in CT

Teens facing high car insurance bills can often find discounts. Teen drivers can take advantage of discounts for young drivers for good grades, share a car insurance policy with their parents or take a defensive driving course.

Cheapest car insurance in Connecticut with a DUI: Travelers

Travelers has the most affordable quotes in CT if you have a conviction. On average, you'll pay just $219 per month for full coverage from Travelers after a DUI. That's a savings of around 64% compared to the Connecticut average. It's also 46% less than the second-cheapest company, Progressive.

Cheapest CT DUI car insurance

Company
Monthly rate
Travelers$219
Progressive$402
Allstate$440
State Farm$586
USAA*$311

*USAA is only available to current and former military members and their families.

A single DUI conviction can cause your car insurance rate to almost double in Connecticut.

Cheapest CT 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. It costs $251 per month on average, which is a savings of 54% compared to the state average.

Cheap car insurance in Connecticut with bad credit

Company
Monthly rate
Travelers$251
Geico$286
Progressive$506
Allstate$512
USAA*$248

*USAA is only available to current and former military members and their families.

While your credit score isn't related to 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 rates that are 81% higher than drivers with good credit in Connecticut.

Is your car insurance company raising rates in Connecticut in 2026?

The majority of major car insurance companies have raised their rates in Connecticut in 2026. Only State Farm has had a meaningful decrease in rates across the state.

  • ↑ Biggest increase: The Hartford at +7.8%
  • ↓ Biggest decrease: State Farm at -7.1%
Data updated: July 28, 2026. Learn about this data.
Company
2026 rate change
5 year rate change
The Hartford↑ 7.8%↑ 48.4%
AAA↑ 7.5%↑ 63.2%
Progressive↑ 3.4%↑ 50.1%
Amica↑ 2.9%↑ 23.4%
American Family↑ 2.8%↑ 56.3%
Allstate↑ 2.5%↑ 46.3%
Geico↑ 2.3%↑ 47.5%
Farmers↑ 1.6%↑ 63.4%
Travelers↑ 0.1%↑ 30.1%
USAA0.0%↑ 20.5%
Liberty Mutual↓ 1.6%↑ 57.1%
State Farm↓ 7.1%↑ 47.7%

A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.

What to do if your rates went up in Connecticut

If your insurance company is raising rates in Connecticut, there are a few things you can do to lower your insurance bill.

  1. Shop for quotes from the cheapest companies in Connecticut, including Travelers, Geico, State Farm and Amica.

    There's a difference of $521 per month between the most and least expensive companies for full coverage insurance in CT. That could amount to a savings of more than $6,000 per year.

  2. Look for a company that offers numerous discounts you qualify for. Most car insurance companies offer discounts for bundling your home insurance or insuring multiple vehicles, which can significantly lower your car insurance bill.

    But some companies also offer more uncommon discounts. For instance, Travelers offers a discount if you own a hybrid vehicle or a car that's less than 3 years old.

  3. Sign up for a safe driving program. These programs track your driving habits using a mobile app or device that you plug into your car. If you avoid risky driving habits, like speeding and late-night driving, you could earn a big discount.

    State Farm's Drive Safe & Save program is the best choice for most Connecticut drivers because you could save up to 30%. And State Farm won't raise your rates if you have bad driving habits, unlike Travelers and Geico.

Minimum car insurance requirements in Connecticut

Drivers in Connecticut are required to have car insurance in order to drive on public roads. You must have a policy that includes 25/50/25 liability coverage and uninsured/underinsured motorist coverage.

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

What's the best car insurance to get in Connecticut?

A full coverage car insurance policy is the best choice for most people. It includes the liability coverage required by the state, along with collision and comprehensive coverage.

If you lease or finance your car in Connecticut, you’ll usually have to add collision and comprehensive coverage. It's a good idea to have collision and comprehensive car insurance if your car is worth more than $5,000 or newer than 8 years old.

Only consider minimum liability car insurance if you want the cheapest way to satisfy Connecticut's insurance requirements. These include bodily injury liability, property damage liability and uninsured/underinsured motorist coverage. But know that if you crash your car, you'll have to pay for repairs yourself.

Frequently asked questions

Is Amica cheaper than Travelers?

Travelers offers cheaper full coverage rates than Amica in Connecticut. You’ll pay about $127 per month for Travelers and $263 for Amica. But Amica has the lowest average rates for young drivers with a problem on their record and really good customer service.

Who has the cheapest car insurance quotes in Connecticut?

Travelers has the cheapest car insurance in 2026 for most Connecticut drivers. The company charges an average of $127 per month for full coverage and $49 per month for liability only. That's less than half the state average for both a full coverage policy and a minimum liability plan.

How much does car insurance cost in Connecticut?

A minimum coverage car insurance policy in Connecticut costs an average of $141 per month. A full coverage policy costs an average of $305 per month.

How much car insurance coverage do I need in Connecticut?

Connecticut state law requires that drivers have $25,000 per person and $50,000 per accident in bodily injury liability auto insurance coverage. You'll also need $25,000 in property liability coverage and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.

Is car insurance cheaper in Connecticut than New York?

No, Connecticut car insurance costs more than insurance in New York state. The average full coverage rate in CT is $305 per month, while New York state residents pay $226 per month. But rates in Connecticut are cheaper than in New York City. The typical price for car insurance in the Big Apple is $378 per month in 2026.

Methodology

ValuePenguin collected thousands of quotes from every ZIP code across Connecticut from some of the state's largest insurance companies for a 30-year-old man with good credit who drives a 2018 Honda Civic EX.

For our minimum coverage policy, quotes were taken using the minimum required limits in Connecticut. Full coverage policies included higher liability limits.

  • Bodily injury liability: $50,000 per person and $100,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Comprehensive and collision: $500 deductible

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from insurance company filings and should be used for comparative purposes only — your own quotes may be different.

To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Connecticut Insurance Department. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).

The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.

Data limitations

Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.

Rate filing information was current as of July 28, 2026.

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About the Author

Lindsay Bishop
Lindsay Bishop

Senior Writer

Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.


Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.


After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.


When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.

How insurance helped Lindsay


As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.

Expertise

  • Home insurance
  • Car insurance
  • Flood insurance
  • Renters insurance
  • Motorcycle insurance

Referenced by

  • CNBC
  • Yahoo Finance
  • Miami Herald

Education

  • BS/BA Economics, University of Nevada Las Vegas

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.

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