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Auto insurance prices may vary depending on age, coverage, credit rating, location and driving history. Young drivers in Connecticut pay $329 more than seniors. Moreover, Hanover offers full coverage at the most expensive rates, which are $3,515, while GEICO offers the cheapest option at $693 annually.

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2023

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Average Car Insurance Costs in Connecticut (2023)

Connecticut's average yearly cost of car insurance is $1,305, although actual costs may change depending on a number of distinct factors. In Connecticut, drivers most likely pay the following average premiums:

  • Clean record: $1,305 per year
  • Speeding ticket: $1,613 per year
  • Accident: $2,048 per year
  • DUI: $4,286 per year

Rates for full coverage insurance are shown above. Prices for minimum coverage are anticipated to be lower.

Driving Record
Annual Premium
Monthly Premium

Clean

$661

$55

Clean

$708

$59

Ticket

$818

$68

Clean

$864

$72

Ticket

$916

$76

Ticket

$1,070

$89

At-Fault Accident

$1,074

$89

At-Fault Accident

$1,203

$100

Clean

$1,305

$109

At-Fault Accident

$1,330

$111

Clean

$1,343

$112

Ticket

$1,613

$134

Clean

$1,672

$139

Ticket

$1,698

$141

Ticket

$2,037

$170

At-Fault Accident

$2,048

$171

DUI

$2,173

$181

At-Fault Accident

$2,179

$182

At-Fault Accident

$2,490

$207

DUI

$2,592

$216

DUI

$3,115

$260

DUI

$4,286

$357

DUI

$4,735

$395

DUI

$5,713

$476

Why Are Car Insurance Rates Expensive in Connecticut?

Connecticut's average car insurance rate for full coverage is more expensive than the $1,054 national average. Due to the state's huge urban population, heavy traffic and increasing auto theft rates, you may incur high insurance rates. Other aspects like your age or driving history may also be the reasons why Connecticut's car insurance costs are expensive.

Average Car Insurance Costs in Connecticut by Company

Since costs fluctuate between insurers, the average cost of car insurance may not be precise. GEICO provides the most affordable car insurance in Connecticut for minimum coverage, costing $319 annually (full coverage rates are $693). The most expensive is Hanover, where minimum coverage costs $1,834 (full coverage costs $3,515 yearly).

Liability-only insurance is affordable, but by browsing more options, you might be able to find the cheapest full coverage insurance.

Company
Annual Premium
Monthly Premium

GEICO

$319

$27

GEICO

$326

$27

GEICO

$405

$34

Amica Mutual

$435

$36

Amica Mutual

$442

$37

State Farm

$444

$37

State Farm

$467

$39

Amica Mutual

$484

$40

Kemper

$537

$45

State Farm

$552

$46

Nationwide

$559

$47

Kemper

$566

$47

Kemper

$593

$49

Nationwide

$602

$50

Allstate

$668

$56

GEICO

$683

$57

Allstate

$683

$57

Nationwide

$691

$58

GEICO

$693

$58

Progressive

$739

$62

Progressive

$742

$62

Progressive

$785

$65

Allstate

$825

$69

Amica Mutual

$855

$71

Amica Mutual

$868

$72

State Farm

$869

$72

GEICO

$880

$73

State Farm

$924

$77

Amica Mutual

$955

$80

Nationwide

$1,022

$85

Kemper

$1,040

$87

Kemper

$1,083

$90

Nationwide

$1,129

$94

State Farm

$1,135

$95

Kemper

$1,227

$102

Allstate

$1,238

$103

Progressive

$1,260

$105

Nationwide

$1,278

$107

Allstate

$1,282

$107

Progressive

$1,311

$109

Progressive

$1,454

$121

Allstate

$1,594

$133

Hanover

$1,834

$153

Hanover

$2,270

$189

Hanover

$2,982

$249

Hanover

$3,515

$293

Hanover

$4,109

$342

Hanover

$5,318

$443

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MONEYGEEK’S CONNECTICUT CAR INSURANCE CALCULATOR

When determining your insurance premium, companies consider your coverage level along with information like your age, the city where you live and your driving history. You could get a ballpark estimate of your premiums with MoneyGeek's Connecticut car insurance calculator.

Average Car Insurance Costs in Connecticut by Coverage Level

Increasing liability limits will result in higher insurance prices. If collision and comprehensive insurance are added, the cost may increase. Drivers in Connecticut frequently pay $1,430 for full coverage with increased liability limits as compared to $661 for the required minimum level of coverage. You could save more on a full coverage policy if you choose a higher deductible.

Average annual car insurance rates by coverage tier

The cheapest minimum coverage in Connecticut offers the lowest liability limits. Collision and comprehensive coverage are not included.

Insurance companies could offer plans with increased liability limits like 100/300/100 or 50/100/50. The following are covered under 100/300/100 liability limits:

  • $100,000 for bodily injury liability per person
  • $300,000 for bodily injury liability per accident
  • $100,000 for property damage liability

The standard maximum liability for a company is 300/500/300. The costs of damages to you and your car are covered by comprehensive and collision insurance, but liability insurance only covers harm or injury to others. All these coverage options combined make up full coverage insurance.

Average Car Insurance Costs in Connecticut by Age

When you are a new driver or a young driver, these factors impact the cost of your car insurance. The prices for full coverage in Connecticut are listed below by age:

  • 22 to 29: $1,672 per year
  • 30 to 59: $1,305 per year
  • 60+: $1,343 per year

Individuals in their 20s commonly pay high rates, whereas rates for motorists between the ages of 30 and 59 are typically steady before they approach the age of 60. New drivers will also pay similar rates to those in their 20s due to their inexperience on the road.

Age
Annual Premium
Monthly Premium

22-29

$1,672

$139

22-29

$864

$72

30-59

$661

$55

30-59

$1,305

$109

60 +

$1,343

$112

60 +

$708

$59

Average Car Insurance Costs in Connecticut for Teens

Teenagers pay more for insurance than people of other ages. For a 16-year-old male, a family policy in Connecticut with full coverage has an average price of $2,746 per year, while standalone coverage costs $7,752 per year. Drivers under the age of 18 might need a parent’s consent to buy coverage.

Rates decrease as drivers age. For a 19-year-old, a family plan normally costs $2,246. For a 22-year-old, it costs $1,828. You could obtain the cheapest teen auto insurance in Connecticut by evaluating quotes from several companies.

The insurance rates in Connecticut may differ significantly depending on sex. A family policy for a 16-year-old female typically costs $2,412 per year. This is around $334 less compared to a male teen.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$2,412

$201

$6,901

$575

16

$2,746

$229

$7,752

$646

17

$2,288

$191

$4,967

$414

17

$2,573

$214

$5,506

$459

18

$1,929

$161

$4,179

$348

18

$2,213

$184

$4,715

$393

19

$1,959

$163

$2,858

$238

19

$2,246

$187

$3,335

$278

20

$1,994

$166

$2,551

$213

20

$2,293

$191

$2,939

$245

21

$1,645

$137

$2,105

$175

21

$1,841

$153

$2,353

$196

22

$1,557

$130

$1,923

$160

22

$1,828

$152

$2,119

$177

23

$1,592

$133

$1,688

$141

23

$1,908

$159

$1,876

$156

24

$1,509

$126

$1,599

$133

24

$1,741

$145

$1,712

$143

25

$1,330

$111

$1,399

$117

25

$1,518

$126

$1,480

$123

Average Car Insurance Costs in Connecticut for New Cars vs. Older Cars

The typical annual insurance premium in Connecticut for a new car and full coverage is $1,223. This is 15% more expensive than the typical annual premium for an old vehicle ($1,063). The higher actual cash value (ACV) and greater maintenance costs of a new vehicle can lead to a spike in insurance rates.

Insurance companies use the ACV of your car to determine collision and comprehensive claims. Your car's coverage will be less expensive as a result since lower claims will lead to decreased insurance payouts. Consider full coverage insurance if you drive a more recent car since it covers all your liabilities for other people's injuries and damages that occur to your car.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$548

$46

2012 Vehicle

$551

$46

2022 Vehicle

$551

$46

2012 Vehicle

$558

$46

2022 Vehicle

$639

$53

2012 Vehicle

$642

$53

2012 Vehicle

$1,026

$85

2012 Vehicle

$1,063

$89

2022 Vehicle

$1,180

$98

2022 Vehicle

$1,223

$102

2012 Vehicle

$1,261

$105

2022 Vehicle

$1,496

$125

Average Car Insurance Costs in Connecticut by Driving Record

Drivers in Connecticut with moving violations pay more for car insurance than those with clean records. Drivers with the following records can expect to pay these average rates for full coverage:

  • Clean record: $1,305 per year
  • Speeding ticket: $1,613 per year
  • Accident: $2,048 per year
  • DUI: $4,286 per year

Prices frequently increase based on how serious the violation is. A DUI will result in higher insurance costs than a speeding citation. You can locate the most inexpensive auto insurance in Connecticut for those with driving violations by comparing quotes from different companies.

Driving Record
Annual Premium
Monthly Premium

Clean

$661

$55

Clean

$708

$59

Ticket

$818

$68

Clean

$864

$72

Ticket

$916

$76

Ticket

$1,070

$89

At-Fault Accident

$1,074

$89

At-Fault Accident

$1,203

$100

Clean

$1,305

$109

At-Fault Accident

$1,330

$111

Clean

$1,343

$112

Ticket

$1,613

$134

Clean

$1,672

$139

Ticket

$1,698

$141

Ticket

$2,037

$170

At-Fault Accident

$2,048

$171

DUI

$2,173

$181

At-Fault Accident

$2,179

$182

At-Fault Accident

$2,490

$207

DUI

$2,592

$216

DUI

$3,115

$260

DUI

$4,286

$357

DUI

$4,735

$395

DUI

$5,713

$476

Average Car Insurance Costs in Connecticut by Credit Score

Creditworthiness has a big impact on your auto insurance costs. Those with bad credit in Connecticut generally spend $1,582 yearly, compared to those with excellent credit who only pay $840. You can expect to pay the following rates for full coverage depending on your credit-based insurance score:

  • Excellent: $840 per year
  • Good: $1,001 per year
  • Fair: $1,182 per year
  • Below fair: $1,355 per year
  • Poor: $1,582 per year

Considering how insurers may set prices differently on the basis of credit score, Connecticut residents with bad credit should shop around to find cheap car insurance options.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$436

$36

Excellent

$436

$36

Excellent

$510

$43

Good

$521

$43

Good

$522

$44

Good

$611

$51

Fair

$612

$51

Fair

$614

$51

Below Fair

$704

$59

Below Fair

$706

$59

Fair

$719

$60

Excellent

$743

$62

Excellent

$770

$64

Poor

$803

$67

Poor

$807

$67

Excellent

$819

$68

Below Fair

$830

$69

Excellent

$840

$70

Good

$886

$74

Good

$918

$77

Excellent

$923

$77

Excellent

$940

$78

Excellent

$941

$78

Poor

$959

$80

Good

$975

$81

Good

$1,001

$83

Excellent

$1,010

$84

Fair

$1,042

$87

Fair

$1,082

$90

Good

$1,095

$91

Excellent

$1,113

$93

Good

$1,115

$93

Good

$1,123

$94

Fair

$1,150

$96

Fair

$1,182

$98

Below Fair

$1,193

$99

Good

$1,203

$100

Below Fair

$1,239

$103

Fair

$1,288

$107

Fair

$1,313

$109

Below Fair

$1,318

$110

Good

$1,320

$110

Fair

$1,326

$110

Below Fair

$1,355

$113

Poor

$1,377

$115

Fair

$1,424

$119

Poor

$1,436

$120

Below Fair

$1,475

$123

Below Fair

$1,504

$125

Below Fair

$1,520

$127

Poor

$1,535

$128

Fair

$1,559

$130

Poor

$1,582

$132

Below Fair

$1,633

$136

Poor

$1,736

$145

Poor

$1,771

$148

Below Fair

$1,786

$149

Poor

$1,796

$150

Poor

$1,936

$161

Poor

$2,130

$177

Average Car Insurance Costs in Connecticut by City

Auto insurance rates could vary based on your location. New Haven, the most expensive city in Connecticut, charges an average of $1,847, while Stamford drivers may spend $1,374 annually for full coverage.

With more people and traffic, cities like New Haven frequently have more expensive auto insurance premiums.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Bridgeport

$2,268

$1,191

Bridgeport

$1,779

$900

Bridgeport

$1,823

$974

Hartford

$2,250

$1,175

Hartford

$1,771

$890

Hartford

$1,811

$960

New Haven

$2,371

$1,271

New Haven

$1,847

$952

New Haven

$1,910

$1,038

Stamford

$1,763

$942

Stamford

$1,374

$711

Stamford

$1,404

$766

Waterbury

$2,086

$1,074

Waterbury

$1,641

$817

Waterbury

$1,672

$879

Insurance Rates

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FAQ About Car Insurance Costs in Connecticut

It could be challenging to determine the average cost of car insurance in Connecticut, so we answered frequently asked questions to assist you in your search.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.