Connecticut has the 12th most expensive auto insurance 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 two typical commuters from 18 insurers across 69 cities in Connecticut. The average cost for our benchmark drivers was $1,694 annually, from $769 at the cheapest insurer to $3,390 at the most expensive company - the most expensive company cost 4.4x 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 Companies
- Best Car Insurance Rates: by City
- Best Auto Insurance Companies in CT
- Average Cost of Car Insurance in Connecticut: by City
The quotes for our 30 year old and 65 year old single male drivers showed that they could find their cheapest auto insurance costs at GEICO, Amica, USAA, Nationwide, and State Farm. In aggregate, the top three companies had an average cost of $977, which was 42% cheaper than the statewide average. The top five cheapest weren't far off, and still represented savings of 38% compared to the 18-company composite.
Find The Cheapest Auto Insurance Quotes In Your Area
California Casualty, MetLife, and Unitrin helped to round out the top eight most affordable insurers. Before you get quotes from USAA or 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.
Our research into car insurance quotes in Connecticut showed that the most affordable city for our two sample drivers was Mystic, while the most expensive rates were in Hartford. Based on insuring a car alone, Hartford drivers pay 51% or $763 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, West Hartford, and Stratford will have even more incentive as they live in the five most expensive cities in our study.
|Connecticut Place||Cheapest Insurer #1||Cheapest Insurer #2||Cheapest Insurer #3|
|New Haven||GEICO||900||USAA||1,350||State Farm||1,392|
|East Hartford||GEICO||732||State Farm||972||Amica||990|
|New Canaan||GEICO||744||State Farm||1,014||Amica||1,032|
|Old Saybrook||GEICO||684||Amica||906||State Farm||984|
|West Hartford||GEICO||948||Unitrin||1,332||California Casualty||1,350|
The most populous city in Connecticut is the second most expensive place for car insurance in the state, with an average annual cost of $2,233, 32% 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 GEICO, Nationwide, and State Farm (USAA is only for military members, vets, and their families). These four companies had the cheapest car insurance quotes for our sample drivers, and were about 42% lower compared to the citywide mean. Amica rounds out the top five companies, and with an average cost of $1,338 for single 30-year old and 65-year old men, was 40% cheaper than what the typical insurer in Bridgeport charged.
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 $2,132, 26% above the state average. College students might want to think again about bringing a car to campus.
GEICO, USAA, State Farm, Nationwide, and California Casualty 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. USAA and California Casualty only insure specific groups of drivers though, so please refer to the graph to see if you qualify. For the general public, GEICO, State Farm, and Nationwide on average quoted our single male drivers $1,236 for basic liability coverage, which came out to be $896 or 42% more affordable compared to the typical company underwriting in the state.
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 $2,247 annually, a whopping 33% more than the state average.
Despite rates costing 33% 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 GEICO, USAA, Amica, State Farm, and California Casualty were the cheapest for our two sample drivers, and about 39% lower compared to the 18-company mean. Just bear in mind though, that USAA and California Casualty are specialty insurers with eligibility requirements for their policyholders.
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 38%. We recommend GEICO, Amica, USAA, Nationwide, and State Farm, which were the five companies with the best car insurance quotes for our sample drivers. Rates at these five insurers averaged $1,073 for a year's worth of liability insurance, and represented a 38% reduction to the Stamford city average.
Costs in Waterbury are 16% or 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, USAA, Amica, Nationwide, or State Farm. When it came out our sample drivers, these were the most affordable five companies to insure their vehicle with. The mean annual rate was $1,226 a year, which was $739 and 38% lower than the $1,965 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.
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 fourth 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 $2,094, which puts it 24% 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 GEICO, Unitrin, California Casualty, USAA, and Amica. Rates among these five companies were a 38% reduction compared to the citywide average, which translated into $802 back in our sample drivers' wallets.
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 $2,077, 23% 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, USAA, California Casualty, Nationwide, and State Farm for cheaper rates. The five insurers quoted an average of $1,307 per year for our motorists' basic liability insurance, which came out to be a 37% decrease versus the town mean.
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 $1,484 annually, 12% less than the state average. Mystic drivers looking for an even bigger deal on their auto insurance costs may want to consider adding GEICO, Amica, and State Farm to the mix. That's because these three providers had an average annual premium for our sample drivers that was $666 or 45% lower than what they typical company charged for auto insurance here. Nationwide and USAA help to round out the top five cheapest companies in Mystic.
Essex isn’t just “The Best Small Town in America.” It now also ranks as the second cheapest in our study, coming in 12% under the state average with an average annual cost of $1,487. 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, Amica, State Farm, Nationwide, and USAA 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 saved our sample drivers $573 or 39% compared to going with the typical insurer here.
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 third in our lineup with an average annual cost of $1,490, 12% less than the Connecticut average. Our benchmark motorists found the best car insurance quotes in Old Saybrook at GEICO, Amica, and State Farm. $858 was the average annual premium at these three companies, which saved our motorists $632, and shaved 42% off what they would have had to pay with the typical insurer in town. Going with the 4th or 5th best companies would still have saved our 32%+ versus the Old Saybrook mean.
Yes, Lyme, Conn. lends its name to Lyme disease. It was also the home to Morrison Waite, who served as Chief Justice of the Supreme Court from 1874 to 1888. Though you are no more likely to contract Lyme disease in Lyme than in another Connecticut town, you are more likely to find affordable car insurance, coming in approximately 12% under the state average. The average annual cost of auto insurance in Lyme is $1,491. We found cheaper auto insurance quotes for our sample drivers at GEICO, Amica, and State Farm. Quotes among these three companies for a driver living and insuring his car in Lyme were 44% lower than the average we found across the 18 companies - that's $653 more in our drivers' pockets a year.
Located slightly inland, Middlefield rounds off our list of the five Cheapest Places for Auto Insurance in Connecticut. On average, car insurance costs $1,500 annually, 11% 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, State Farm, and Nationwide when getting auto insurance quotes (throw in USAA as well if you serve(d) in the military, or are related or married to someone who has). They had the lowest quotes for car insurance in our study, with rates averaging $929 for savings of $572 off of the townwide mean.
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|
|Arbella Mutual Insurance Company||2||27,559,136||0.23|
|Great Northern Insurance||2||21,767,845||0.29|
|Zurich Insurance Group||2||17,576,080||0.36|
|Michael Karfunkel Grantor Annuity Trust||3||25,675,383||0.37|
On average, it costs $1,694 a year for our two driver profiles to insure an automobile in Connecticut. From Mystic to Hartford, annual premiums can range about $800 from $1,484 to $2,247. Here are the sixty nine cities in Connecticut ranked from the cheapest to the most expensive cities.
We looked at rates in Connecticut for two sample drivers in 69 cities within the state: a single 30 year old male and a single 65 year old male driver. They own in full and drive a 2010 Toyota Camry back and forth from work, for the most part, about 12,000 miles a year. They also have 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 sixty nine cities. Below are all sixty nine cities ranked with their average cost and change compared to the Constitution State.
|Connecticut Cities||Average Annual Rates||Change vs. CT Average|
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