To find your lowest rates, you should always compare car insurance quotes from at least three companies. Type your ZIP code into the box above to start shopping among the top providers near you, or read on to learn which companies feature the lowest premiums in your city.
Cheapest auto insurance companies in Connecticut
The average cost of car insurance in Connecticut is $1,165 per year, or $97 per month, for minimum liability.
The cheapest car insurance company for our benchmark driver with a minimum liability policy in Connecticut is Travelers. Rates from this company averaged $634 per year for car insurance with just the minimum state-mandated coverages. Traveler's insurance rates are 46% below the statewide average.
Find Cheap Auto Insurance Quotes in Connecticut
State Farm is another widely-available option that Connecticut drivers should get a quote from. And if you're eligible, USAA is a great choice. It has strong marks for customer service and is nearly as cheap as 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 protect against you having to pay out of pocket for damage after an accident you cause.
Cheapest company for full coverage: State Farm
The cheapest full-coverage auto insurer in Connecticut is State Farm, which provided our benchmark driver with an average annual rate 40% less than the state average. Choosing State Farm over an average insurer in the state could represent a savings of $1,115 per year in car insurance premiums.
Policies that have full coverage include first-party coverages — which pay for repairs to your vehicle regardless of fault — in addition to the state-mandated auto insurance coverages. These first-party coverages are comprehensive and collision insurance, — and although they 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
Having been involved in a driving incident can make a substantial impact on your car insurance rates. 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 as a result. This makes it especially important to shop around for your best price. With this in mind, we found the cheapest full-coverage car insurance for drivers who:
Cheapest for drivers with an accident: State Farm
The company that offered the cheapest car insurance rates for drivers with an accident in Connecticut was State Farm, according to our research. Annual premiums from this company were $1,794 per year for a full-coverage policy for our benchmark driver with an at-fault accident on their record.
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 for people with a speeding ticket: State Farm
Traveling over the speed limit makes driving much more dangerous, so it's no surprise that insurers charge higher rates to drivers who are caught speeding. We found that State Farm offers very affordable rates to drivers with a speeding ticket, with an annual price of $1,794. That's 45% less than the typical rate we found across all insurers.
Cheapest car insurance for drivers with a DUI: State Farm
Getting a DUI is a serious infraction, and it often comes with a major penalty on your car insurance rates — one DUI may make your car insurance bill increase by more than double. However, we found that State Farm only increased rates by $156 for a first DUI, for a total annual rate of $1,794. That makes it the most affordable option for drivers with DUIs in Connecticut.
Cheapest car insurance for drivers with poor credit: Geico
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 may pay more for car insurance.
Geico has the best rates for a full-coverage policy for a driver with poor credit, at an average of $2,097 per year. That's 40% less than the typical price from all insurers.
Cheapest car insurance for married drivers: Travelers
In our research, Travelers has the best rates for drivers who are married. We found a typical rate of $597 per year for a married driver from Travelers. Car insurance companies tend to give a small discount to drivers who are married, since married people 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.
Cheapest car insurance for young drivers: State Farm
The average cost of minimum car insurance for young drivers in Connecticut is $4,681 per year, or $390 per month.
That's $3,516 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 more expensive as a result. Young drivers shopping for the cheapest car insurance in Connecticut could find the best rates with State Farm, which has rates around $2,000 per year. The cheapest full-coverage auto insurance is also at State Farm.
*USAA is excluded from rankings because it is only available to current and former military members and their families.
Cheapest for young drivers with one accident: State Farm
We recommend younger drivers with a recent accident take a look at State Farm. It offered a lower-than-average price of $473 per month for minimum-coverage insurance. That's less than half of what was typical across most insurers.
Young 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 your insurance policy with your parents.
Cheapest for young drivers with one speeding ticket: State Farm
A young driver with a speeding ticket can expect to pay around $11,434 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 $5,675 per year.
Best auto insurance companies in Connecticut
Claim satisfaction rating
Customer service rating
*Overall rank combines both claim satisfaction and customer service ratings. Explanation of ratings are in the Methodology section.
To help car insurance shoppers make a more informed decision, we also gathered customer service ratings from three key sources for top insurers in Connecticut: the National Association of Insurance Commissioners Complaint Index, J.D. Power's Auto Claims Satisfaction Survey and AM Best's Financial Strength Rating.
2019 NAIC Complaint Index
2020 J.D. Power Claims Satisfaction
AM Best Rating
Average cost of car insurance, by city
On average, it costs $1,164 per year for our profiled driver to insure an automobile with minimum coverage in Connecticut. The same driver pays an average of $2,752 for a full-coverage policy.
Here is the cost of full-coverage insurance for the major cities in Connecticut.
Average annual cost
Percent from average
Connecticut rate changes by company
In Connecticut, auto insurance providers had decreased their premiums in 2020 by 0.8%, continuing the trend from the previous year in the form of lower rates. State Farm had the most significant decrease in premiums — its 9.6% drop is more than double the second largest decrease of 3.9% by Progressive. However, several companies did not report changing their rates at all in 2020; other companies such as Allstate and Liberty Mutual increased their premiums in 2020.
Premiums written (millions) 2019
Rate Change 2019
Rate Change 2020
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.
- $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 auto insurance in Connecticut
- Minimum coverage: Travelers
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: Geico
- Very good credit history: State Farm
- Married couples: Travelers
- Young drivers: State Farm
- Young drivers with one accident: State Farm
- Young drivers with one speeding ticket: State Farm
Frequently asked questions
Who has the cheapest car insurance in Connecticut?
The cheapest minimum coverage car insurance in Connecticut is offered by Travelers, based on our analysis. The company charges an average of $634 for an annual policy. State Farm offers the best price for full coverage, at $1,638 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.
How much is car insurance in Connecticut?
A minimum coverage car insurance policy in Connecticut costs, on average, $1,165 per year, according to our analysis. A full coverage policy costs an average of $2,753 per year. Your rate will likely deviate from that based on your location, driving history and other personal factors.
Is car insurance cheaper in Connecticut than New York?
Yes, Connecticut car insurance is cheaper than insurance in New York state, but the difference is most pronounced with minimum coverage auto insurance. Our nationwide analysis showed an average price difference of 1% for full coverage and 18% for minimum coverage.
We collected thousands of rates from ZIP codes across Connecticut for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following 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|
For our minimum-coverage policy, we quoted a policy with the minimum required limits in Connecticut, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
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.
ValuePenguin conducted a survey and asked current policyholders across several major car insurers about satisfaction with claims and customer service. In the table, the Claim Satisfaction Rating represents the percentage of respondents who were extremely satisfied with their most recent claim experience. The Customer Service Rating represents the percentage of respondents from the survey who rated the customer service of their insurance company as "excellent."