The Best Car Insurance in Connecticut for 2022

Car insurance companies that balance customer satisfaction, affordability and financial stability are the most popular. According to MoneyGeek’s research, GEICO is the best insurance company in Connecticut as it ranks first for affordability, customer satisfaction and stability.

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Last Updated: 5/13/2022
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Although GEICO is the best car insurance company in Connecticut overall as per MoneyGeek’s analysis, the best for you may vary based on what you are looking for. That’s why MoneyGeek assessed the best options with a focus on multiple factors such as affordability, customer service and more.

You can find the cheapest car insurance in the state regardless of service quality based on our analysis.

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The Best Car Insurance in Connecticut

Best Car Insurance Companies in Connecticut: Overall

MoneyGeek rated the best insurers in Connecticut on the basis of claim ratings, user satisfaction and average costs. Based on these factors, the two best car insurance companies are:

  • GEICO: MoneyGeek score of 4.5 out of 5
  • State Farm: MoneyGeek score of 4.1 out of 5

Although USAA is excluded from this analysis since it is only available for military families, it received a perfect MoneyGeek score of 5 out of 5, making it the best option for active-duty military members and veterans.

The Top 5 Car Insurance Companies in Connecticut

1
GEICO
Score:4.5

4.7/5

Affordability

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO provides car insurance that costs around $925 per year in Connecticut. It ranked first for affordability and is also tied for first place for both financial stability and user satisfaction. It is tied in the third position for paying claims.

More About GEICO

GEICO offers Mechanical Breakdown Insurance for new and leased cars that are less than 15 months old and have less than 15,000 miles. This coverage is cheaper than that offered by a dealer warranty and includes parts and systems that dealer warranties may not cover.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:4.1

3.4/5

Affordability

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

At around $1,324 per year, State Farm ranks third in the state for affordability. It is tied in the first position for both stability and customer satisfaction and in third place for claims. The insurer provides rideshare insurance.

More About State Farm

The rideshare coverage offered by State Farm ensures that your medical liability, emergency roadside assistance and rental car reimbursement in your auto policy remain in effect while you work for a ridesharing company. It also provides car rental expenses up to chosen limits and travel expenses (meals, lodging and transportation) up to $500.

Read MoneyGeek's State Farm auto Insurance Review
3
Allstate
Score:3.9

2.6/5

Affordability

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

The insurer provides a policy that costs around $1,540 annually on average and ranks sixth for affordability. It is tied in the first position for user satisfaction and claims and in fourth place for stability.

More About Allstate

With Allstate’s sound system coverage, you’ll receive coverage for damages to a sound system permanently installed in your car. This coverage is only available for customers with comprehensive insurance. Allstate’s Ride for Hire rideshare insurance provides coverage for Uber and Lyft drivers when between passengers.

Read MoneyGeek's Allstate auto Insurance Review
4
Progressive
Score:3.9

3.9/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

At around $1,167 per year on average, Progressive ranks second for affordability. It is tied in the second position for stability and user satisfaction and is tied in the third position for claims.

More About Progressive

Progressive provides custom parts coverage and rideshare insurance. The custom parts and equipment coverage pays for the cost of repairing or replacing items that you add to your car like a stereo, navigation system, custom wheels or even a paint job, typically up to a $5,000 limit. For rideshare drivers, if an accident occurs while you're waiting to receive a ride request, Progressive’s rideshare coverage can protect you.

Read MoneyGeek's Progressive auto Insurance Review
5
Nationwide
Score:3.8

2.8/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Nationwide offers auto insurance at an average cost of $1,491 per year and ranks fourth for affordability. It is tied in the first position for claims and is tied in the second position for user satisfaction and stability.

More About Nationwide

Nationwide provides identity theft coverage. With this coverage, ​​if you or anyone in your household are a victim of identity theft or fraud, the insurer will pay up to $25,000 for expenses. This insurer also provides total loss deductible waivers, which recover the value of your deductible after an accident if your vehicle is a total loss.

Read MoneyGeek's Nationwide auto Insurance Review
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HOW WE DETERMINED THE BEST INSURANCE IN CONNECTICUT

To arrive at the cost of car insurance in Connecticut, MoneyGeek collected full coverage policy quotes from several insurers for a sample driver. The average rates can differ widely depending on your profile.

Claim ratings and user satisfaction scores were obtained from J.D. Power and the NAIC. You can read our methodology for details on sample drivers, policies and assumptions.

MoneyGeek's Connecticut Car Insurance Resources:

Compare the Best Insurance Options in Connecticut

Service quality, costs and financial stability are some of the factors that determine the best car insurance in Connecticut. However, to determine the best option for you, you’ll need to analyze your unique needs and circumstances and choose the company that best addresses them.

MoneyGeek allows you to compare the best insurers in Connecticut and read our in-depth reviews.

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Best Car Insurance in Connecticut for Customer Service

MoneyGeek scored the best providers in Connecticut based only on claims ratings and user satisfaction without considering costs.

The top two insurers based on these factors are:

  • Allstate: MoneyGeek score of 4.5 out of 5
  • State Farm: MoneyGeek score of 4.3 out of 5

These are the best insurers in Connecticut when the cost is not a consideration. Allstate offers one of the most expensive policies on average in Connecticut.

The Top 2 Car Insurance Companies in Connecticut for Service Quality

1
Allstate
Score:4.5

4.5/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate is tied in the first position for claims and user satisfaction and fourth place for stability. You pay a higher cost for better service with this insurer.

More About Allstate

The insurer offers custom parts as well as portable media and electronics coverage. Custom parts coverage provides protection in the event of loss of custom equipment such as special carpeting, bars, height-extending roofs, custom murals, decals and graphics. Allstate’s portable media and electronics coverage provides coverage for loss of compact discs or similar items used with an auto sound system. Comprehensive coverage must be in effect to be eligible for this coverage.

Read MoneyGeek's Allstate auto Insurance Review
2
State Farm
Score:4.3

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm is tied in the first position for stability and customer satisfaction and ranks third for claims. The insurer offers one of the cheapest average policies in Connecticut, which means you get affordable rates without sacrificing service quality.

More About State Farm

The company offers roadside assistance that takes care of expenses in case of a vehicle breakdown. It pays for mechanical labor for up to one hour at the breakdown location, towing to the nearest shop for repairs, delivery of gas or oil, battery troubleshooting, change of tire and locksmith labor. Please note that you will still need to pay for the item (for example, a tire), but the installation is covered.

Read MoneyGeek's State Farm auto Insurance Review

Best Car Insurance in Connecticut for Drivers on a Budget

MoneyGeek ranked the best cheap car insurance companies in Connecticut for those looking for minimum liability coverage policies.

The top car insurance companies in Connecticut for drivers on a budget are:

  • GEICO: MoneyGeek score of 4.5 out of 5
  • State Farm: MoneyGeek score of 4.2 out of 5

These scores are for companies that balance affordability and service quality.

MoneyGeek’s Pick: GEICO

GEICO

pros

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Affordable minimum coverage policy averaging $470

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Offers bundling discounts for combining car insurance with other insurance policies

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Offers accident forgiveness coverage

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MoneyGeek customer satisfaction rating of 4.5 out of 5

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MoneyGeek claims rating of 4 out of 5

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Does not offer discounts on paperless billing

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Does not offer pay-in-full discounts

COMPANY HIGHLIGHTS

GEICO offers discounts to drivers who haven’t been involved in an accident for five years and also for insuring more than one vehicle with the company. You can take advantage of discounts by bundling your car insurance with renters, condo or mobile home insurance.

The insurer provides discounts if you have airbags, anti-lock brakes and daytime running lights installed in your vehicle. You can also get discounts if you are a federal employee.

Best Car Insurance in Connecticut for Poor Driving Records

MoneyGeek scored the best insurance companies in the state based on service quality and the cost of car insurance for drivers with an at-fault accident.

The best car insurance companies in Connecticut that balance affordability after an accident with top-notch customer service are:

  • GEICO: MoneyGeek score of 4.5 out of 5
  • State Farm: MoneyGeek score of 4.4 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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The annual cost of a policy after an at-fault accident is $1,340 on average

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 4.5 out of 5

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Offers roadside assistance, rental car reimbursement and accident forgiveness coverage

cons

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Does not provide new car replacement or better car replacement coverages

COMPANY HIGHLIGHTS

GEICO is the best car insurance company in Connecticut for drivers with a poor driving record. The insurer offers policies that cost around $1,340 per year on average for those with at-fault accidents on their records. It has a claims score of 4 out of 5 and a user satisfaction score of 4.5 out of 5, which are both solid scores.

GEICO policies offer the following coverages:

  • Roadside assistance: Provides coverage if you get stranded due to a problem with your vehicle
  • Rental reimbursement: Provides coverage for transportation and car rental costs if your car has not been in use for more than 24 hours
  • Accident forgiveness: Prevents your car insurance premiums from increasing because of an accident

Best Car Insurance in Connecticut for a Military Background

Based on MoneyGeek’s analysis, USAA offers the best policies for military families and veterans in Connecticut.

It has a MoneyGeek score of 5 out of 5 and charges an average of $425 per year for a minimum car insurance policy in the state. Meanwhile, USAA has an average rate of $1,171 per year for military drivers with an at-fault accident on their record.

MoneyGeek’s Pick: USAA

USAA

pros

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A full coverage policy for $847 per year on average

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Claims score of 5 out of 5

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User satisfaction score of 5 out of 5

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Accident forgiveness coverage

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Loyalty discount when you stick with USAA for a designated period

cons

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USAA policies are limited to military members and their families

COMPANY HIGHLIGHTS

USAA offers some of the cheapest policies as well as the best service in Connecticut. It also has one of the best customer satisfaction reputations in the country.

Some of the coverages and discounts offered by USAA include:

  • Rideshare insurance: This could be very helpful if you drive for Uber or Lyft and your standard coverage does not include rideshare insurance.
  • Accident forgiveness coverage: If you get involved in your first at-fault accident within the first five years, this coverage ensures that you will not be charged an additional premium on your car insurance.
  • Legacy discount: If you are under 25 and you were previously insured on your parent's USAA policy, you can get a legacy discount when buying your own policy.
  • Military discount: Save on your comprehensive insurance premium when you keep your vehicle parked on base.

Best Car Insurance in Connecticut for Young Drivers and Students

MoneyGeek also ranked the best insurers in Connecticut for young drivers and brand-new drivers. The best companies that provide a balance of affordability and service for students and young drivers are:

  • GEICO: MoneyGeek score of 4.6 out of 5
  • Allstate: MoneyGeek score of 4.0 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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One of the most affordable options for adding young drivers at an average of $2,589 per year

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Offers a good student discount and a driver’s education course discount

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Claims score of 4 out of 5

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User satisfaction score of 4.5 out of 5

cons

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Does not offer a distant student discount

COMPANY HIGHLIGHTS

Insurance for young drivers can be expensive, but GEICO offers affordable options with great service. Service quality is an important factor to consider for young drivers since filing a claim can be nerve-wracking and good customer service can ease the process.

GEICO offers discounts that can benefit families with young drivers. These include a good student discount that helps you save money if you are a full-time student with good grades. You can also get a discount for completing a driver's education course.

Best Car Insurance in Connecticut for Those With New Cars

MoneyGeek rated the best insurance companies in Connecticut based on those that offer a form of new car replacement or better car replacement.

With new car replacement coverage, the insurer will pay for the cost of replacing your car with a similar model should it get damaged within a stipulated time. If the company offers better car replacement coverage, you can get a newer model of your damaged car. It is important to note that this coverage is not part of your standard policy, so you will need to pay more for it.

The company with the highest rating in this category in Connecticut is Allstate, with a MoneyGeek score of 3.9 out of 5.

MoneyGeek’s Pick: Allstate

Allstate

pros

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Offers new car replacement coverage

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Claims score of 4.5 out of 5

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User satisfaction score of 4.5 out of 5

cons

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Relatively expensive policy at $1,540 per year on average

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Does not provide better car replacement coverage to its customers

COMPANY HIGHLIGHTS

Allstate is a good choice for drivers with new vehicles as it offers new car replacement coverage. Your car starts losing value as soon as you drive it out of the lot and this coverage helps you get a new car in the event of an accident soon after you buy one.

As per Allstate’s new car replacement coverage policy, if your car is two model years old or less, you will be eligible for a replacement of the car with a new model.

Best Car Insurance in Connecticut for Low-Mileage Drivers

Many insurers are expanding the use of pay-per-mile policies where drivers only have to pay based on how much they drive. Nationwide SmartMiles is the best pay-per-mile program in Connecticut, while several other providers offer the most affordable low-mileage insurance.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

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Nationwide SmartMiles offers affordable coverage for low-mileage drivers

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Claims score of 4.5 out of 5

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Customer satisfaction score of 4 out of 5

cons

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For those who drive frequently, this option might turn out to be more expensive than a regular car insurance policy

COMPANY HIGHLIGHTS

Nationwide’s pay-per-mile program in Connecticut is Nationwide SmartMiles. This includes a base rate and a variable rate depending on how many miles you drive and also has an exception for road trips in which only the first 250 miles count in a single day. It also has a behavior element that can earn you up to a 10% discount based on safe driving.

How to Find the Best Car Insurance in Connecticut in For You

If you are looking for the best car insurance in Connecticut, you must consider insurers that offer a balance of cost, service quality and financial stability.

MoneyGeek has collated this information for you, but you can also perform your own research.

1

Research Customer Service Reputations in Connecticut

MoneyGeek evaluated car insurance quotes from several providers using a sample driver to determine the best insurers in Connecticut. You can also refer to J.D. Power’s satisfaction scores and the NAIC complaint ratios in your state to decide the best insurer that suits your requirements. It is also recommended to check the state’s auto insurance website for more information.

2

Compare Quotes for Yourself

MoneyGeek’s quotes are based on an analysis of averages for sample drivers from multiple locations in Connecticut, but this still does not cover the entire state. It is prudent to compare quotes from at least three insurers yourself to get a good idea of the cost of insurance.

3

Make Sure the Company Has Coverages You Want in Connecticut

Although several insurers advertise many coverages and discounts, there is a possibility that a specific coverage or discount is not available in your state. Confirm with your insurer whether they offer the coverage you require in Connecticut.

4

Double-Check Financial Stability Ratings

It is very important to check the financial stability of an insurer before you buy a policy. Larger insurance companies are more stable and are therefore more likely to pay out on claims, whereas regional insurers in Connecticut may have lower financial stability and are less likely to process claims.

FAQs About the Best Car Insurance in Connecticut

Auto insurance costs in Connecticut depend on the type of coverage you are looking for. Some of the most common questions about car insurance in the state are as follows:

Methodology

MoneyGeek collected car insurance rates in Connecticut in partnership with Quadrant Information Services. These calculations were based on the driver and policies as described on MoneyGeek’s cost methodology page.

Customer satisfaction, financial strength and claims satisfaction scores were derived from AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC). The list of discounts and coverages was collected from each insurer’s website.

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