Who Has the Cheapest Car Insurance Quotes In Connecticut?
Who Has the Cheapest Car Insurance Quotes In Connecticut?
Find Cheap Auto Insurance Quotes in Connecticut
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State Farm offers the cheapest auto insurance in Connecticut, according to our survey of rates for our benchmark driver. Six-month premiums from this company were an average of $397 for minimum coverage auto insurance, or $794 per year. Compared to the average cost of auto insurance in Connecticut, $1,192 per year, State Farm's rates were 33% cheaper.
Cheapest auto insurance companies in Connecticut
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.
Find Cheap Auto Insurance Quotes in Connecticut
MetLife and GEICO are two other widely-available options 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 even cheaper than State Farm.
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.
When looking for the cheapest car insurance, Connecticut residents should make sure to compare as many insurers as possible.
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | State Farm | $794 |
| 2 | MetLife | $966 |
| 3 | GEICO | $1,104 |
| 4 | Travelers | $1,224 |
| 5 | Nationwide | $1,366 |
| 6 | Progressive | $1,438 |
| 7 | Amica Mutual | $1,491 |
| 8 | Allstate | $1,620 |
| N/A | USAA | $721 |
Cheapest companies 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 $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.
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | State Farm | $1,596 |
| 2 | Metropolitan | $1,718 |
| 3 | GEICO | $2,119 |
| 4 | Nationwide | $2,522 |
| 5 | Travelers | $2,738 |
| 6 | Progressive | $3,216 |
| 7 | Amica | $3,834 |
| 8 | Allstate | $4,054 |
| N/A | USAA | $1,774 |
Cheapest companies 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 rank | Group | % of respondents overall extremely satisfied with most recent claim | % of respondents who rated customer service as "excellent" |
|---|---|---|---|
| 1 | USAA | 77.8% | 61.7% |
| 2 | Nationwide | 77.8% | 52.6% |
| 3 | State Farm | 73.3% | 45.5% |
| 4 | Allstate | 71.8% | 46.6% |
| 5 | Progressive | 73.5% | 33.6% |
| 6 | GEICO | 64.2% | 41.8% |
| 7 | Travelers | 62.5% | 33.3% |
| N/A | Metropolitan | NA | NA |
| N/A | Amica | NA | NA |
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 full coverage car insurance in the 26 cities we included in our study.
| City | Insurer | Average annual premium |
|---|---|---|
| Bridgeport | State Farm | $2,186 |
| Metropolitan | $2,435 | |
| GEICO | $3,082 | |
| New Haven | State Farm | $2,105 |
| Metropolitan | $2,378 | |
| GEICO | $2,967 | |
| Stamford | State Farm | $1,683 |
| Metropolitan | $1,899 | |
| GEICO | $2,274 | |
| Hartford | State Farm | $2,246 |
| Metropolitan | $2,431 | |
| GEICO | $2,955 | |
| Waterbury | Metropolitan | $2,029 |
| State Farm | $2,051 | |
| GEICO | $3,039 | |
| Norwalk | State Farm | $1,634 |
| Metropolitan | $1,698 | |
| GEICO | $2,031 | |
| Danbury | State Farm | $1,502 |
| Metropolitan | $1,751 | |
| GEICO | $2,281 | |
| New Britain | Metropolitan | $1,818 |
| State Farm | $1,866 | |
| GEICO | $2,559 | |
| Bristol | State Farm | $1,547 |
| Metropolitan | $1,580 | |
| Nationwide | $2,285 | |
| Meriden | State Farm | $1,653 |
| Metropolitan | $1,729 | |
| GEICO | $2,393 | |
| West Haven | State Farm | $1,965 |
| Metropolitan | $1,985 | |
| GEICO | $2,685 | |
| Milford | State Farm | $1,553 |
| Metropolitan | $2,102 | |
| GEICO | $2,175 | |
| Middletown | State Farm | $1,439 |
| Metropolitan | $1,553 | |
| GEICO | $2,165 | |
| Shelton | Metropolitan | $1,720 |
| State Farm | $1,777 | |
| GEICO | $2,429 | |
| Norwich | State Farm | $1,442 |
| Metropolitan | $1,585 | |
| GEICO | $2,024 | |
| Torrington | State Farm | $1,492 |
| Metropolitan | $1,606 | |
| GEICO | $2,031 | |
| Naugatuck | State Farm | $1,670 |
| Metropolitan | $1,971 | |
| GEICO | $2,422 | |
| New London | State Farm | $1,434 |
| Metropolitan | $1,675 | |
| GEICO | $2,053 | |
| Ansonia | State Farm | $1,760 |
| Metropolitan | $1,803 | |
| GEICO | $2,336 | |
| Derby | State Farm | $1,760 |
| Metropolitan | $1,803 | |
| GEICO | $2,336 | |
| Danielson | Metropolitan | $1,465 |
| State Farm | $1,709 | |
| GEICO | $1,959 | |
| Jewett City | State Farm | $1,450 |
| Metropolitan | $1,618 | |
| GEICO | $2,024 | |
| Newtown | State Farm | $1,502 |
| Metropolitan | $1,722 | |
| GEICO | $2,056 | |
| Litchfield | State Farm | $1,586 |
| Metropolitan | $1,719 | |
| GEICO | $1,965 | |
| Stonington | State Farm | $1,450 |
| Metropolitan | $1,519 | |
| GEICO | $1,837 | |
| Bantam | State Farm | $1,586 |
| Metropolitan | $1,719 | |
| GEICO | $1,965 |
Below we've provided some more details on car insurance quotes 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 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.
Average cost of car insurance, by city
On average, it costs $1,192 per year for our profiled driver to insure an automobile with minimum coverage in Connecticut. The same driver is charged an average of $2,619 for a full coverage policy.
From Mystic to Hartford, annual full coverage premiums can range about $1,872 to $3,140. Here are 26 major cities in Connecticut ranked from the cheapest to the most expensive.
| Rank | City | Average auto insurance cost |
|---|---|---|
| 1 | Stonington | $2,347 |
| 2 | Danielson | $2,347 |
| 3 | New London | $2,428 |
| 4 | Jewett City | $2,431 |
| 5 | Norwich | $2,460 |
| 6 | Torrington | $2,495 |
| 7 (tie) | Litchfield | $2,548 |
| 7 (tie) | Bantam | $2,548 |
| 9 (tie) | Bristol | $2,577 |
| 9 (tie) | Middletown | $2,577 |
| 11 | Newtown | $2,606 |
| 12 | Norwalk | $2,651 |
| 13 | Danbury | $2,651 |
| 14 | Meriden | $2,692 |
| 15 | Shelton | $2,794 |
| 16 | New Britain | $2,826 |
| 17 | Ansonia | $2,835 |
| 18 | Derby | $2,837 |
| 19 | Stamford | $2,837 |
| 20 | Naugatuck | $2,889 |
| 21 | Milford | $2,975 |
| 22 | West Haven | $3,199 |
| 23 | Waterbury | $3,287 |
| 24 | Bridgeport | $3,512 |
| 25 | New Haven | $3,584 |
| 26 | Hartford | $3,593 |
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
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.
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