Cheap Car Insurance in Connecticut (2023)

When you shop for a new car insurance policy, you want to find one that provides the best coverage and service while staying within your budget. Luckily, Connecticut drivers pay an average insurance premium of $285, which is lower than the national average. And, depending on your insurance company and driving history, you could pay even less.

To compile the best car insurance companies in Connecticut, Insurify’s data experts considered criteria including cost, coverage needs, life stage, driving habits, and more.

Here’s what you should know about the best car insurance companies in Connecticut and how to find one that works for you.

Best car insurance companies in Connecticut

Connecticut drivers have no shortage of quality car insurance providers to choose from. The best insurer for you will depend on your unique situation and needs.

To find the best coverage, consider 10 of the best insurance companies in Connecticut included in the table below. Each insurer works best for a specific category of driver or what drivers may care most about, including affordability.

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Best car insurance overall: Travelers

Travelers tops the list as the best overall auto insurance company in Connecticut due to its affordable coverage and IQ Score of 4.3 out of 5. Customers in the state pay an average monthly premium of $146 for full-coverage insurance.

In addition to its affordable rates, Travelers also provides policyholders with a wide variety of coverage and unique discount options to choose from. For example, the company offers gap insurance, which not all companies offer.

The company earns strong financial strength ratings, with an A++ rating from A.M. Best and AA ratings from both S&P Global and Fitch Ratings. Travelers also receives a below-average number of complaints for a company of its size, according to the NAIC complaint index.

Best cheap car insurance in Connecticut: GEICO

Because of its affordable premiums and high IQ Score of 4.3, GEICO offers the best cheap car insurance for Connecticut drivers. The company has the second-lowest premiums for both liability-only and full-coverage insurance, falling behind only State Farm. Connecticut drivers with GEICO coverage pay monthly averages of $100 for liability coverage and $131 for full coverage.

GEICO also has more discounts than nearly any other company on our list to help you save even more. You can earn a discount with GEICO for driving a new vehicle, maintaining a good driving record, working as a federal employee, having certain safety features on your car, and more.

Most affordable car insurance in Connecticut: State Farm

State Farm offers the most affordable car insurance for drivers in Connecticut. The company leads the auto insurance industry in the country based on premiums written and the highest market share for property and casualty insurance.^[2] A well-known, reputable insurer, State Farm generally has positive customer satisfaction rankings.

For Connecticut drivers, State Farm offers the perfect combination of the lowest average rates and one of the highest IQ Scores, at 4.4. Drivers pay an average of $81 per month for liability-only insurance and $107 for full coverage.

Best for full coverage: State Auto

State Auto earned its spot on the list of the best car insurance companies in Connecticut because of its wide variety of coverage options. Full-coverage policies with State Auto are $207 per month on average, which costs less than the average across all companies. Connecticut drivers, by comparison, pay $256 per month on average for full-coverage insurance.

State Auto has a more extensive list of coverage options than most companies. The company offers all the basic coverages you’d expect from any car insurance company, but it also offers unique coverages like full safety glass coverage, accident forgiveness, original equipment manufacturer parts coverage, cell phone coverage, pet coverage, rented vehicle coverage, and more.

Best for commuters: Nationwide

Whether you have a long commute or only drive a few miles to work each day, Nationwide is an excellent option for car insurance. The company offers a couple of different programs that allow drivers to save based on their driving habits.

If you have a short commute and don’t drive much outside of work, you might benefit from Nationwide’s pay-per-mile SmartMiles program. And if you drive more miles due to a longer daily commute, you can save with Nationwide’s SmartRide program. The telematics-based program tracks your driving and gives you a discount for making safe driving decisions.

Best for families: Progressive

Progressive’s coverage and discount options make it one of the best options for families. If you have teens on your insurance policy, you can save money through the company’s teen driver discount, good student discount, and distant student discount (which applies to students away at college). Coverage options like roadside assistance and gap insurance can protect your family, vehicle, and financials, as well.

Best for high-income earners: Amica

Amica may not be right for everyone because of its high average premiums. But if your budget allows for it, you’ll enjoy the company’s wide variety of coverage options and may even save some on premiums through the company’s many available discounts.

Some of the company’s unique discount options include savings for a car with a forward-collision warning and adaptive headlights. If you’re younger than 30, you can even save money by purchasing a policy with Amica if your parents already have one. Amica has the highest-rated customer satisfaction for New England drivers.

Best for college students: Allstate

Allstate likely appeals to young drivers because it provides many ways for college students to save money. The company offers a discount to students with an average GPA of 2.7 or higher (a B- average). You can also save money by completing the teenSMART driver education program. Allstate offers a discount to college students who leave their cars at home while away at school, too.

Best for luxury car owners: Liberty Mutual

If you need an insurance policy to protect your luxury car — especially a brand-new one — you should consider Liberty Mutual. The company offers both new car and better car replacement coverages to ensure that if you total your car, you can replace it with a comparable or better vehicle.

Additional coverages that may appeal to luxury car owners include original parts replacement coverage and a lifetime repair guarantee, the latter of which means Liberty Mutual will cover all repairs while you own the vehicle and have repairs done at an in-network location. Finally, gap insurance coverage can ensure you won’t owe a huge amount on your loan if you total your car and it’s worth less than your loan balance.

Best for seniors: Direct Auto

Direct Auto, one of a few companies that offer a discount specifically for older drivers, provides policyholders with a customizable payment schedule. If you’re 55 or older, you can save money on your Direct Auto premium by completing a motor vehicle accident-prevention course. The company has higher premiums than most companies, but it also offers one of the largest lineups of discounts, including savings for military members, safe drivers, homeowners, and members of certain affinity groups.

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How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all driver ages, gender, credit scores, and driver profiles for Connecticut drivers.

How to shop for the best car insurance in Connecticut

The first step to finding the right car insurance policy in Connecticut involves considering what you need in a policy. Auto insurance companies offer different coverage options and discounts, and you can easily narrow down your search by researching the companies that offer the type of policy you need.

A handful of factors you may want to think about while making your decision include:

• Coverage options: Choose an insurer that offers the coverage you need. All insurers offer basic coverages like liability, comprehensive, and collision coverage. But if you need specialty coverages — like gap insurance, rideshare coverage, or roadside assistance — narrow down your list accordingly.

• Discounts: You can save a lot of money on your insurance policy with the right discounts. Different insurers offer different discounts, so make note of the ones that offer discounts you’ll qualify for.

• Customer service: If you ever need to file an insurance claim, you’ll want to have an insurer with good customer service. Online customer reviews and J.D. Power rankings can help you learn how a company stacks up against the competition.

• Average premiums: Most people heavily consider cost when choosing a car insurance policy. You should choose an insurer that fits your budget.

• States where available: Not all insurers offer policies in every state. Additionally, states may not offer certain discounts or coverages in all the states where they offer policies.

How to get the cheapest car insurance in Connecticut

The cost of car insurance can vary significantly based on each policyholder and car insurance company. Many factors affect car insurance rates, including your driving record, location, gender, age, credit score, vehicle type, and coverage amount.^[4]

Regardless of your situation, you can always find ways to save money on your policy:

• Shop around. Comparing quotes from multiple insurers is the best way to find the most affordable policy for your coverage needs. Even among the companies included in the above list, average rates vary by hundreds of dollars.

• Bundle your policies. If you have multiple types of insurance, you may save money by keeping them all with the same company. Most insurers offer discounts for bundling two or more policies with them.

• Take advantage of discounts. Make sure to take advantage of any discounts that apply to you and possibly even choose an insurer with the best discounts for your situation.

• Adjust your coverage. Generally speaking, the higher your coverage limits, the more you’ll pay for your policy. Assess whether you have enough coverage. You can save on premiums if you decide to reduce your coverage.

• Raise your deductible. An inverse relationship exists between your deductible and your premiums. As your deductible increases, your premiums decrease. You can save money by raising your policy deductible.

Minimum car insurance requirements in Connecticut

Like nearly every other state, Connecticut requires all drivers to carry a minimum amount of insurance to operate a vehicle legally. Here are the coverage limits Connecticut requires:

• $25,000 per person/$50,000 per accident in bodily injury liability: This coverage pays for expenses related to injuries sustained by other drivers in an accident you caused.

• $50,000 per accident in property damage liability: Another type of liability insurance, this covers expenses related to damage you cause to other peoples’ property in an accident.

• $25,000 per person/$50,000 per accident in uninsured/underinsured motorist: If an uninsured or underinsured driver causes an accident, this pays for your injuries and damage to your property.^[5]

Liability-only vs. full-coverage insurance in Connecticut

Connecticut only requires drivers to have liability insurance and uninsured/underinsured motorist insurance. By opting for the state’s minimum coverage, you can get the most affordable premiums.

“It can make sense to get liability-only when the car is older or the value is very low,” says Scott Hammersand, a licensed insurance agent and personal lines advisor with Overmyer Hall Associates.

But only having liability coverage can also put you at serious financial risk. With liability-only coverage, your insurance policy won’t pay for damage to your vehicle in an accident, severe weather, or theft. If you want added protection for your vehicle, you should consider purchasing full-coverage insurance, which includes collision coverage for vehicle damage from a collision and comprehensive coverage for damages from noncollision incidents like natural disasters or vandalism.

“Full coverage makes sense for almost everyone that has a car that is less than 15 years old,” Hammersand says. “If you feel the cost is too much, consider a high deductible before removing the coverage altogether.”

The table below shows the average liability-only and full-coverage quotes for the top 10 auto insurers in Connecticut. The cost of liability-only insurance from State Farm costs about $319 less per month than liability-only coverage from Amica.

Connecticut car insurance rates by driving and accident history

Your driving history significantly affects your insurance rates. Drivers with a clean record tend to earn the lowest average rates. An at-fault accident, speeding ticket, DUI, or another violation on your record can cause your premiums to increase. In Connecticut, driving violations stay on your record — and affect your premiums as a result — for between three and 10 years.^[6]

Generally speaking, the more serious a violation, the more your rate will increase. Failing to stop at a stop sign may have only a minor effect on your premiums, while driving under the influence of drugs or alcohol could cause your rates to increase dramatically and even disqualify you from receiving coverage from some insurers.

“A bad driving history can limit which carriers will accept you, which can greatly impact your situation,” Hammersand says.

The table below shows how certain violations can affect your premiums for each of the insurers in this article.

SR-22 insurance in Connecticut

Following a serious driving violation, you may need to file an SR-22 certificate — also known as a certificate of financial responsibility. Connecticut may require one after a DUI, reckless driving, or another violation that qualifies you as a high-risk driver.

An SR-22 serves as additional proof that you have the minimum car insurance required by your state. In most cases, you or your insurer will have to file the SR-22 with your state’s DMV.

Some insurers don’t offer SR-22 certificates, so you’ll need to find one that serves high-risk drivers. Additionally, if your state requires you to have an SR-22, your premiums will likely increase due to your serious driving violation.

Connecticut car insurance quotes by credit tier

Your credit score can also affect your insurance rates. While some states prevent insurers from using credit scores as a factor, Connecticut allows the practice.

Data has generally shown a correlation between credit history and the likelihood of filing an insurance claim. Insurers generally view drivers with excellent or good credit scores as less likely to file a claim and consider drivers with poor credit scores as more likely to file one.

Based on this data, insurers adjust insurance premiums accordingly. Generally speaking, the better your credit history, the lower your insurance premiums will be, and vice versa.

Car insurance quotes in Connecticut cities

Your location within the state can also affect your insurance premiums. Rates can vary drastically from one city to the next within Connecticut.

“Overall, the biggest impact on location is being in the city compared to being in a rural area,” Hammersand says. “Less populous areas are generally less expensive.”

Insurance rates vary by location due to risk factors like population density, crime rates, and more. Some parts of the state could have a higher rate of accidents or vehicle thefts. As a result, drivers in those areas could pay more for car insurance.

The table below shows the cheapest and most expensive cities in Connecticut for car insurance.

Least expensive Connecticut cities

Most expensive Connecticut cities

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Connecticut car insurance rates by driver age

As you get older, you may see how age can affect insurance rates. Generally speaking, teen drivers present the greatest risk to insurance companies of all age groups, due to their lack of experience driving, statistically high crash rates, and greater likelihood of filing claims.

As you can see in the table below, insurance premiums generally decline as a driver ages. Once someone reaches their 70s, however, their premiums will likely rise a bit again.

Car insurance in Connecticut FAQs

Insurify Insights

How Connecticut Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Connecticut below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Connecticut drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Accord

Most Popular Car in Connecticut

#50

State with the Most Speeding Tickets Rank

#49

State with the Moving Violations Rank

#46

State with the Most DUIs Rank

#45

State with the most Suspended Licenses

• Accidents in Connecticut

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Connecticut is the #33 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #33
  • Percent of drivers in Connecticut with an accident: 8%
• DUIs in Connecticut

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Connecticut is the #46 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #46
  • Percent of drivers in Connecticut with a DUI: 0.8%
• Reckless Driving in Connecticut

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Connecticut is the #48 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #48
  • Percent of drivers in Connecticut with a reckless driving offense: 0.8%
• Rude Driving in Connecticut

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Connecticut is the #47 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #47
  • Percent of drivers in Connecticut with a rude driving violation: 1%
• Speeding in Connecticut

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Connecticut is the #50 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #50
  • Percent of drivers in Connecticut with a speeding ticket: 4.1%
• Failure to Yield Rates in Connecticut

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Connecticut is the #44 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #44
  • Percent of drivers in Connecticut with a failure to yield violation: 0%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.