Connecticut residents pay roughly $1,745 per year for full coverage auto insurance and $999 for minimum coverage, based on a 40-year-old driver with good credit and no violations. The state ranks 41st for full coverage and 45th for minimum coverage among all jurisdictions, with premiums 20% and 45% higher than national norms.
Average Cost of Car Insurance in Connecticut
Updated: October 27, 2025
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Key Takeaways
Connecticut car insurance costs range from $999 to $4,776 per year on average depending on your chosen coverage, driving profile and location.
Connecticut ranks as some the most expensive car insurance in the country, placing 41st and 45th overall for minimum and full coverage affordability respectively.
You can find the cheapest car insurance in Connecticut by deciding on coverage beforehand, researching cost and companies and comparing plenty of quotes.
Average Car Insurance Cost In Connecticut
| Full Coverage | $145 | $1,745 |
| Minimum Coverage | $83 | $999 |
Upgrading from minimum to full coverage adds $746 annually to your bill, equaling about $62 per month extra. Individual rates will differ according to your unique situation, driving record and coverage decisions.
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Average Connecticut Car Insurance Cost by Category
Young drivers face the steepest costs in Connecticut at $398 monthly for full coverage, while older vehicle owners enjoy modest savings at $131 monthly. Individual characteristics combine to determine Connecticut car insurance rates.
Adult drivers with good records pay baseline rates of $142 monthly for full coverage and $81 for minimum coverage. Poor credit impacts premiums significantly, with drivers paying $287 for full coverage and $142 for minimum since insurers view credit as a risk indicator.
| Young Drivers | $231 | $398 |
| Adult Drivers | $81 | $142 |
| Senior Drivers | $116 | $194 |
| Drivers With An Accident | $128 | $226 |
| Drivers With A DUI | $157 | $278 |
| Drivers With A Speeding Ticket | $97 | $174 |
| Drivers With Bad Credit | $142 | $287 |
| Drivers With Low Income | $84 | $170 |
| Drivers With Newer Cars | $91 | $161 |
| Drivers With Old Cars | $75 | $131 |
Connecticut's high population density and traffic volume create elevated base rates, with demographic factors creating substantial premium variations across driver categories.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
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Average Connecticut Car Insurance Cost by Company
GEICO stands out with competitive rates in Connecticut at $75 monthly for full coverage, while Allstate prices at the premium end with $172 monthly. Connecticut drivers face some of the largest rate spreads between insurers, with full coverage costs varying from $75 to $172 monthly among well-known companies.
Careful company selection can save Connecticut residents over $1,160 each year.
| Geico | $34 | $75 |
| Kemper | $65 | $117 |
| Amica | $62 | $131 |
| State Farm | $79 | $157 |
| Allstate | $87 | $172 |
Average Connecticut Car Insurance Cost by City
Connecticut shows considerable geographic variation in car insurance costs throughout the state, with full coverage premiums ranging from $131 monthly in Bristol to $199 in New Haven. Location influences Connecticut car insurance pricing across different regions.
The $68 monthly difference between the cheapest and most expensive locations shows how major metropolitan areas and coastal cities see higher rates due to traffic volume and claim frequency. Compare rates for your city:
Data filtered by:
Abington
| Full Coverage | $132 | $1,587 |
| Minimum Coverage | $77 | $922 |
Is Connecticut Car Insurance Expensive?
Connecticut ranks 41st in affordability for full coverage and 45th overall for minimum coverage policies, making it one of the costliest states for car insurance in our 2025 study. This is an overall statistic comparing average rates across states, and affordability rankings for your city compared to the rest of the United States will vary widely.
Why Is Car Insurance More Expensive In Connecticut?
Here's why Connecticut car insurance costs more than most states:
Lower Rate of Uninsured Drivers
A new report from the Office of the State Comptroller shows the average auto insurance premium payment increased by 11.2% in 2023 and 8.9% in 2024. That's a big jump from 2019, when prices were only up 1%. Most carriers took a baseline increase between 30% to 40% within a year, with some increases over 100% in some cases.
Severe Weather Risks
Connecticut sees increasing risks from severe weather events, including thunderstorms, hail, tornadoes and flooding, all heightened by climate change. In 2024, insurers in Connecticut must report storm and flood loss damage data following weather events that prompted state emergency declarations. According to industry data, 50% of insurers providing homeowner coverage in Connecticut are expected to boost rates in 2024 due to risks including hurricanes, snow and flooding. These weather patterns affect auto insurance through comprehensive coverage claims for car damage.
High Healthcare Costs
Connecticut has one of the nation's highest population densities, with only six states and the District of Columbia having a higher percentage of people living in metropolitan areas. The number of registered cars is estimated at 2,964,000 or about 844 per 1,000 people, which is higher than the national average of about 780 per 1,000 people. The urban areas of Bridgeport-Stamford, Hartford and New Haven have among the most congested roads in the nation based on annual per-person hours of delay. Higher population density in urban areas generally results in more congested areas and a higher rate of traffic accidents.
Auto Theft Trends
In recent years, Connecticut has experienced high numbers of fatal car accidents, which contributes to car insurance rates. The frequency and severity of accidents are higher in cities with more traffic congestion, creating increased claim costs that drive up premiums across the state.
Population Density Impact
Connecticut's affluent population owns more expensive cars and purchases higher coverage limits, contributing to elevated premium costs. Popular cars in Connecticut include crossovers with advanced safety features, which can be more expensive to repair due to complex technology. Higher car values and increased coverage limits chosen by affluent drivers contribute to the state's elevated insurance costs.
Aging Driver Population
Accident rates and incidents of crime (such as vandalism and auto theft) can vary by ZIP code, with insurers taking the risks associated with location into consideration when setting rates. Connecticut's rates are among the most expensive in the nation, with several factors explaining the state's high rates, including an increase in poor driving habits and car-related crimes. Urban areas typically experience higher rates of car theft and vandalism, contributing to increased comprehensive coverage costs.
Rising Repair Costs
Unlike health insurers, who must receive approval from the Connecticut Department of Insurance before they raise premiums, auto insurers simply notify the state they are raising premiums and it's up to the state to object. This "file and use" system allows insurers more flexibility in implementing rate increases compared to states with prior approval requirements, potentially contributing to faster premium growth.
How to Lower Car Insurance Costs In Connecticut
Here's a step-by-step guide to lowering your car insurance costs:
- 1Decide on coverage needs beforehand
Decide on your coverage needs beforehand so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and your risk tolerance when making this decision.
- 2Research costs and discounts
To save money for your particular profile, know your average costs for your desired coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance or other bundles for the most balanced perspective.
- 3Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4Compare quotes through multiple means
Compare multiple company quotes apples to apples side by side to find the best deal. Use different methods of getting quotes like online comparison sites and independent agents since pricing varies widely by method.
Cost of Car Insurance in Connecticut: Bottom Line
Connecticut car insurance costs are among the most expensive in the United States, so take advantage of savings strategies. Decide on coverage needs beforehand, do thorough research and compare quotes from the right insurers for your situation.
Cost of Car Insurance in Connecticut: FAQ
We answered common questions about Connecticut car insurance costs:
How much is Connecticut car insurance per month?
Per month, Connecticut car insurance costs $83 for minimum coverage and $145 for full coverage policies. However, rates can range anywhere from $75 to $398 monthly depending on your unique driver profile and coverage choice.
What factors affect Connecticut car insurance costs?
Primary factors include driving history, age and location, with accidents, violations and younger drivers facing higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage also impact premiums.
Why is Connecticut car insurance so expensive?
Connecticut experienced dramatic rate increases with most carriers implementing 30% to 40% baseline increases in 2024. The state has extremely high population density and severe traffic congestion, with urban areas ranking among the most congested nationally. Connecticut's affluent demographics mean drivers own more expensive cars and choose higher coverage limits. Winter weather contributes to the state's third-worst ranking for winter driving fatalities.
How expensive is Connecticut car insurance?
Connecticut ranks 45th in affordability for minimum coverage and 41st overall for full coverage, making them one of the most expensive places to get auto insurance in the U.S.
How We Determined Connecticut Car Insurance Costs
Connecticut drivers pay some of the nation's highest car insurance rates, with premiums driven by severe congestion, expensive repair costs and recent dramatic rate increases. We designed our research to capture real-world costs across Connecticut's diverse geography, from high-cost urban centers to more affordable rural areas.
Our research approach: We collected quotes across all available ZIP codes and cities in Connecticut, analyzing both minimum coverage (state-required liability limits) and full coverage (100/300/100 liability limits with $1,000 deductibles for comprehensive and collision).
Why this profile matters for Connecticut drivers: We used a 40-year-old driver (representing the median age in Connecticut's mature driver population) with a clean driving record (no accidents or violations that increase rates), good credit (what most approved drivers have) and a 2012 Toyota Camry LE (a common mid-range sedan balancing value and repair costs). This profile represents a stable Connecticut driver without the rate increases from violations or credit issues that affect many residents, giving you a baseline to compare against your own situation.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Connecticut Department of Insurance. "Storm and Flood Loss Damage Reporting - August 2024." Accessed November 6, 2025.
- Connecticut General Assembly. "Motor Vehicle Registrations and Traffic Safety." Accessed November 6, 2025.
- Hartford Courant. "Sticker Shock: CT Auto, Homeowners Insurance Costs Soar." Accessed November 6, 2025.
- NBC Connecticut. "Connecticut Auto Insurance Rates on the Rise." Accessed November 6, 2025.
