Connecticut drivers pay an average of $1,745 per year for full coverage car insurance and $999 for minimum coverage. These rates are based on a 40-year-old driver with good credit and a clean driving record, so your actual costs will vary based on your personal factors.
Average Cost of Car Insurance in Connecticut
Updated: August 19, 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 |
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Average Connecticut Car Insurance Cost by Category
Your individual characteristics, geographic location, and vehicle choice all play major roles in determining car insurance costs. Below, you'll find average rates for various driver categories and profiles.
| 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 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.
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Personalized Average Connecticut Car Insurance Costs
These general driver categories may not match your situation. Our filterable table below shows personalized rates based on your specific profile.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100 Full Cov. w/$1,000 Ded. | 316 | 3787 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).
Average Connecticut Car Insurance Cost by City
Where you live in Connecticut makes a big difference in your car insurance costs. Annual rates for full coverage range from $785 in Scotland to $2,386 in New Haven. Compare both full and minimum coverage rates for your city and other areas across the state below.
Data filtered by:Results filtered by:
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City:Abington
| Full Coverage | $132 | $1,587 |
| Minimum Coverage | $77 | $922 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
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. However, this is only an overall statistic comparing average rates for the entirety of 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, respectively. 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's time, with some increases over 100% in some cases.
Severe Weather Risks
Connecticut faces increasing risks from severe weather events, including thunderstorms, hail, tornadoes and flooding, all heightened by climate change. In 2024, insurers in Connecticut are required to 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 tends to own more expensive cars and purchase higher coverage limits, contributing to elevated premium costs. Popular cars in Connecticut often 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
Below we've created a step-by-step guide to lowering your car insurance costs:
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs beforehand is important 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.
- 2
Research 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.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare multiple company quotes apples to apples side by side to find the best deal possible. 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, making it important to 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
Below are answers to frequently asked 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
We used the following profile and modifications of this profile to determine Connecticut auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Connecticut Department of Insurance. "Storm and Flood Loss Damage Reporting - August 2024." Accessed August 26, 2025.
- Connecticut General Assembly. "Motor Vehicle Registrations and Traffic Safety." Accessed August 26, 2025.
- Hartford Courant. "Sticker Shock: CT Auto, Homeowners Insurance Costs Soar." Accessed August 26, 2025.
- NBC Connecticut. "Connecticut Auto Insurance Rates on the Rise." Accessed August 26, 2025.