Who Has the Cheapest Car Insurance Quotes In Connecticut?

Find Cheap Auto Insurance Quotes in Your Area

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State Farm offers the cheapest auto insurance in Connecticut, according to our survey of rates for our benchmark driver. Annual premiums from this company averaged $1,596 per year for full coverage auto insurance. Compared to the average cost of auto insurance in Connecticut, $2,619 per year, State Farm's rates were 39% cheaper.

Cheapest auto insurance companies in Connecticut

The quotes for our 30-year-old single male driver showed that he could find his cheapest auto insurance costs at State Farm, Metropolitan and GEICO. These three companies had an average cost of $1,811, which was 31% cheaper than the Connecticut average.

Additionally, we found that qualifying drivers—which include current and former military members and their families—can get cheap car insurance with USAA.

This graph shows which companies had the cheapest auto insurance quotes for our sample drivers in Connecticut
This graph shows which companies had the cheapest auto insurance quotes for our sample drivers in Connecticut
RankCompanyAverage annual rate
1State Farm$1,596
2Metropolitan$1,718
3GEICO$2,119
4Nationwide$2,522
5Travelers$2,738
6Progressive$3,216
7Amica$3,834
8Allstate$4,054
N/AUSAA$1,774
USAA was not ranked as only military members, veterans and their families are eligible.

When looking for the cheapest car insurance, Connecticut residents should make sure to compare as many insurers as possible.

Cheapest for full coverage: State Farm

The cheapest company for full coverage auto insurance in Connecticut is State Farm, which provided our benchmark driver with an average annual rate $1,023 less than the state average. Choosing State Farm over an average insurer in the state could represent a savings of more than $85 per month in car insurance premiums.

  • State Farm: $1,596 per year, or $133 per month
  • Metropolitan: $1,718 per year, or $143 per month
  • GEICO: $2,119 per year, or $177 per month

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 though they drastically increase the cost of premiums, they are worth it if your car is worth more than a few thousand dollars.

Cheapest for minimum liability: State Farm

The cheapest car insurance company for our benchmark driver with a minimum liability policy in Connecticut is State Farm. Rates from this company averaged $794 per year for car insurance with just the minimum state mandated coverages. State Farm’s insurance rates are 39% below the statewide average.

  • State Farm: $794 per year, or $66 per month
  • Metropolitan: $966 per year, or $81 per month
  • GEICO: $1,104 per year, or $92 per month

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 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 $1,745 per year for a full-coverage policy for our benchmark driver with an at-fault accident on their record.

  • State Farm: $1,745 per year, or $145 per month
  • GEICO: $2,540 per year, or $212 per month
  • Travelers: $2,738 per year, or $228 per month

After you get into an accident, you should consider shopping around for car insurance to insure you are getting the lowest possible rates. Insurers weight factors such as car accidents differently, so the cheapest insurance company for you could change after you've been in a crash.

Best auto insurance companies in Connecticut

Which are the best auto insurers in Connecticut? In Connecticut, the three best-rated companies are USAA, Nationwide and State Farm, according to our survey of current customers.

Overall rankGroup% of respondents overall extremely satisfied with most recent claim% of respondents who rated customer service as "excellent"
1USAA77.8%61.7%
2Nationwide77.8%52.6%
3State Farm73.3%45.5%
4Allstate71.8%46.6%
5Progressive73.5%33.6%
6GEICO64.2%41.8%
7Travelers62.5%33.3%
N/AMetropolitanNANA
N/AAmicaNANA
Overall rank takes both claim satisfaction and customer service rankings into account.

Best car insurance rates, by city

Location makes a big impact on how much you will pay for auto insurance. Because of this, it is important to figure out the cheapest insurer for where you live. So while State Farm may provide the cheapest rate on average in Connecticut, in some cities—Waterbury, for example—it did not provide our benchmark driver with the cheapest rates. Below, we've included the three cheapest companies for the 26 cities we included in our study.

CityInsurerAverage annual premium
BridgeportState Farm$2,186
Metropolitan$2,435
GEICO$3,082
New HavenState Farm$2,105
Metropolitan$2,378
GEICO$2,967
StamfordState Farm$1,683
Metropolitan$1,899
GEICO$2,274
HartfordState Farm$2,246
Metropolitan$2,431
GEICO$2,955
WaterburyMetropolitan$2,029
State Farm$2,051
GEICO$3,039
NorwalkState Farm$1,634
Metropolitan$1,698
GEICO$2,031
DanburyState Farm$1,502
Metropolitan$1,751
GEICO$2,281
New BritainMetropolitan$1,818
State Farm$1,866
GEICO$2,559
BristolState Farm$1,547
Metropolitan$1,580
Nationwide$2,285
MeridenState Farm$1,653
Metropolitan$1,729
GEICO$2,393
West HavenState Farm$1,965
Metropolitan$1,985
GEICO$2,685
MilfordState Farm$1,553
Metropolitan$2,102
GEICO$2,175
MiddletownState Farm$1,439
Metropolitan$1,553
GEICO$2,165
SheltonMetropolitan$1,720
State Farm$1,777
GEICO$2,429
NorwichState Farm$1,442
Metropolitan$1,585
GEICO$2,024
TorringtonState Farm$1,492
Metropolitan$1,606
GEICO$2,031
NaugatuckState Farm$1,670
Metropolitan$1,971
GEICO$2,422
New LondonState Farm$1,434
Metropolitan$1,675
GEICO$2,053
AnsoniaState Farm$1,760
Metropolitan$1,803
GEICO$2,336
DerbyState Farm$1,760
Metropolitan$1,803
GEICO$2,336
DanielsonMetropolitan$1,465
State Farm$1,709
GEICO$1,959
Jewett CityState Farm$1,450
Metropolitan$1,618
GEICO$2,024
NewtownState Farm$1,502
Metropolitan$1,722
GEICO$2,056
LitchfieldState Farm$1,586
Metropolitan$1,719
GEICO$1,965
StoningtonState Farm$1,450
Metropolitan$1,519
GEICO$1,837
BantamState Farm$1,586
Metropolitan$1,719
GEICO$1,965

Below we've provided some more details on car insurance rates in the five biggest cities in Connecticut: Bridgeport, New Haven, Hartford, Stamford and Waterbury

Bridgeport, Connecticut

The lowest cost auto insurer for our benchmark driver living in Bridgeport is State Farm. This company's annual premiums summed to $2,186, which is 38% less than the citywide average of $3,512. Finding cheap car insurance rates is especially important for Bridgeport residents, as we found that rates in this city were 34% more expensive than the Connecticut average.

New Haven, Connecticut

The average annual cost of auto insurance in the city is $3,035, 36% above the state average. To get cheaper coverage, we recommend you consider State Farm, Metropolitan or GEICO, which provided the lowest insurance rates for our benchmark driver. According to our research choosing one of these companies amounts to an annual savings of $1,101 on car insurance, compared to the citywide average insurance cost.

Hartford, Connecticut

The average rate for car insurance in Connecticut’s capital city is $3,593 annually, a whopping 37% more than the state average. Car insurance quotes at State Farm, Metropolitan and GEICO were the cheapest for our benchmark driver, and about 29% lower compared to the average across the companies we considered.

Stamford, Connecticut

Insuring a car in Stamford is a mere 8% costlier than in the rest of the state, according to our study. The average cost of coverage for our benchmark driver was $2,837 per year. We recommend State Farm, Metropolitan and GEICO, which were the companies with the best car insurance quotes in our study. Rates at these three insurers averaged $1,952 for a year's worth of full coverage insurance and represented a 31% reduction to the Stamford city average.

Waterbury, Connecticut

Car insurance costs in Waterbury are 25% more expensive than what drivers pay for auto insurance across Connecticut. We suggest Waterbury residents looking for cheap car insurance quotes near you start with Metropolitan, State Farm or GEICO. For our benchmark driver, these were the most affordable companies to insure their vehicle. The mean annual rate for these companies was $2,373 a year, which is 28% lower than the Waterbury average of $3,287.

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

Cost of car insurance, by city

On average, it costs $2,619 a year for our profiled driver to insure an automobile with full coverage in Connecticut. From Mystic to Hartford, annual premiums can range about $1,872 to $3,140. Here are 26 major cities in Connecticut ranked from the cheapest to the most expensive.

RankCityAverage auto insurance cost
1Stonington$2,347
2Danielson$2,347
3New London$2,428
4Jewett City$2,431
5Norwich$2,460
6Torrington$2,495
7 (tie)Litchfield$2,548
7 (tie)Bantam$2,548
9 (tie)Bristol$2,577
9 (tie)Middletown$2,577
11Newtown$2,606
12Norwalk$2,651
13Danbury$2,651
14Meriden$2,692
15Shelton$2,794
16New Britain$2,826
17Ansonia$2,835
18Derby$2,837
19Stamford$2,837
20Naugatuck$2,889
21Milford$2,975
22West Haven$3,199
23Waterbury$3,287
24Bridgeport$3,512
25New Haven$3,584
26Hartford$3,593

How we conducted the study

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. The quotes we obtained were for a 2015 Honda Civic EX owned by our sample driver, who drives 12,000 miles a year.

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.