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.
However, your ideal option might differ based on your needs and profile. Our research shows that USAA will be the best option with a military background, while Nationwide will suit you if you’re looking for pay-per-mile insurance.
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The Best Car Insurance in Connecticut
You can also find the cheapest car insurance in the state regardless of service quality based on our analysis.
Why Trust MoneyGeek? Our scoring system for car insurance in Connecticut incorporates hundreds of quotes analyzed by our data scientists, as well as customer service and financial strength ratings from industry-leading market research firms. Click to learn more about how our scores are calculated out of 100.
Best Full Coverage Car Insurance Companies in Connecticut: Overall
GEICO is our top overall pick for car insurance in this state. The two best car insurance companies in Connecticut are:
- GEICO: MoneyGeek score of 89 out of 100 ($925 per year)
- State Farm: MoneyGeek score of 81 out of 100 ($1,324 per year)
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.
MoneyGeek rated the best insurers in Connecticut based on claim ratings, user satisfaction and average costs. We also analyzed Connecticut's cheapest full coverage car insurance for drivers looking to save on a policy.
THE TOP CAR INSURANCE COMPANIES IN CONNECTICUT
GEICO 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.
Average Annual Cost: $925
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. It’s a rare coverage that many insurers do not provide. Besides mechanical breakdown insurance, GEICO also offers coverages like roadside assistance and rental car reimbursement. The roadside assistance coverage helps you if your car breaks down and pays for the cost of flat tires, towing, jump-starts, etc. If your car isn’t driveable for more than 24 hours because of an accident, the company will cover the cost of a rental vehicle under its rental car reimbursement coverage.
State Farm is tied in the first position for both stability and customer satisfaction and in third place for claims. The insurer provides rideshare insurance.
Average Annual Cost: $1,324
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. The company also provides rental car and/or travel reimbursement coverage. Suppose there’s extensive damage to your vehicle that’s covered by comprehensive and collision insurance. In that case, State Farm will help you cover the cost of a rental vehicle with its rental car/or travel reimbursement coverage. If the damage to your car occurred more than 50 miles from your home, the company would also pay for meals, lodging and transportation expenses to help you get to your destination.
The insurer provides a policy that costs around $1,540 annually on average and ranks sixth for affordability. It is tied in first position for user satisfaction and claims and in fourth place for stability.
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.
At around $1,167 per year on average, Progressive ranks second for affordability. It is tied in second position for stability and user satisfaction and is tied in third place for claims.
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.
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.
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.
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:
Best Car Insurance in Connecticut for Customer Service
If you prioritize receiving the best possible customer support and you don’t care as much about pricing, Allstate is your best option. In Connecticut, the best car insurance companies for customer service are:
- Allstate: MoneyGeek score of 90 out of 100
- State Farm: MoneyGeek score of 87 out of 100
MoneyGeek ranked the best providers for customer service in Connecticut based only on claims ratings and user satisfaction, without considering the cost of a policy.
THE TOP TWO CAR INSURANCE COMPANIES IN CONNECTICUT FOR SERVICE QUALITY
Allstate is tied in first position for claims and user satisfaction and fourth place for stability. You may need to pay a higher cost for better service with this insurer. However, you’ll get the best customer service, which is crucial if you need to contact the insurer in a crisis.
The insurer offers two rare coverages: custom parts coverage and 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 the 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. Besides these unique coverages, the company also offers many common coverages, like roadside assistance, rental car reimbursement, accident forgiveness, new car replacement, gap insurance, deductible modification and rideshare insurance.
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.
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 delivery and installation are covered. State Farm’s policies also include rental car and/or travel reimbursement, a common add-on coverage. It covers the cost of a rental vehicle if your car is in the shop due to an accident covered by your comprehensive and collision insurance. However, the company doesn’t offer some other common coverages, like accident forgiveness, new car replacement, gap insurance, deductible modification or better car replacement.
Best Car Insurance in Connecticut for Minimum Coverage
If pricing is your main priority, GEICO is usually your cheapest option in this state. The top car insurance companies in Connecticut for drivers on a budget are:
- GEICO: MoneyGeek score of 90 out of 100 ($470 per year)
- State Farm: MoneyGeek score of 83 out of 100 ($747 per year)
MoneyGeek ranked the best cheap car insurance companies that offer a balance of cost and service quality for policies that meet Connecticut’s minimum coverage requirements.
We also analyzed the companies offering the cheapest minimum car insurance in Connecticut for those looking to save money.
MoneyGeek’s Pick: GEICO
Affordable minimum coverage policy averaging $470
Offers bundling discounts for combining car insurance with other insurance policies
Offers accident forgiveness coverage
MoneyGeek customer satisfaction rating of 4.5 out of 5
MoneyGeek claims rating of 4 out of 5
Does not offer discounts on paperless billing
Does not offer pay-in-full discounts
GEICO offers many discounts to drivers, including safe driving, multiple vehicle and bundling discounts. Drivers who haven’t been involved in an accident for five years can benefit from the safe driving discount. You can get the multiple vehicle discount by insuring more than one car with the company. If you want to take advantage of the bundling discount, consider bundling your car insurance policy with GEICO’s renters, condo or mobile home insurance policies.
The insurer also allows you to save on your policy if you have safety equipment installed in your car. You can get a discount if your vehicle has airbags, anti-lock brakes and daytime running lights. You can also get discounts if you are a federal employee.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in Connecticut for Young Drivers and Students
Inexperienced drivers pose unique risks on the road, and GEICO is our favorite insurer for these drivers. The best car insurance companies in Connecticut for young drivers and students are:
- GEICO: MoneyGeek score of 91 out of 100
- Allstate: MoneyGeek score of 79 out of 100
MoneyGeek analyzed rates for drivers in their late teens or early 20s, in high school or in college.
We ranked the best companies based on which ones offer the best rates for students and young drivers while also offering quality service. MoneyGeek also researched the insurers offering the cheapest car insurance in Connecticut for young drivers and students.
MoneyGeek’s Pick: GEICO
One of the most affordable options for adding young drivers at an average of $2,589 per year
Offers a good student discount and a driver’s education course discount
Claims score of 4 out of 5
User satisfaction score of 4.5 out of 5
Does not offer a distant student discount
Adding a young driver to your insurance policy can be expensive, but GEICO offers affordable options with great service. Service quality is an important factor to consider for young drivers since claims are typically filed in a stressful situation. The process can be nerve-wracking, and good customer service can ease the process.
GEICO offers various student-related discounts to help families with young drivers save money on their policy. If you're a full-time student with good grades, you can take advantage of the good student discount and lower your premiums. The company also provides a discount on the policy for completing a defensive driving or driver's education course.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in Connecticut for Seniors
MoneyGeek analyzed the cost of car insurance for seniors, along with customer service records of different companies, and found that the following insurers offer the best policies for seniors:
- GEICO: MoneyGeek score of 91 out of 100 ($1,144 per year)
- State Farm: MoneyGeek score of 86 out of 100 ($1,307 per year)
Our analysis shows these companies successfully balance affordability and customer service. MoneyGeek also researched the companies offering the cheapest car insurance for seniors in Connecticut for those looking to save on a policy.
MoneyGeek’s Pick: GEICO
Affordable company for seniors at $1,144 per year
Provides common coverages like roadside assistance, rental car reimbursement and accident forgiveness
Offers a discount for seniors
MoneyGeek user satisfaction rating of 5 out of 5
MoneyGeek claims rating of 4 out of 5
Doesn’t offer a discount for paying in full or paperless billing
If you’re a senior, you will usually have to pay higher rates for a car insurance policy than a middle-aged adult. However, MoneyGeek’s research shows GEICO is the ideal insurer for you as it offers a balance between service quality and affordable rates.
The company offers its policyholders rental car and/or travel reimbursement coverage. If your vehicle isn’t driveable for more than 24 hours due to an accident, this coverage will help you cover the cost of a rental car.
With GEICO, you also get an opportunity to save money on your policy as the company provides various discounts, including a discount to drivers over 50 years of age. You can also get a discount on your policy if you complete a defensive driving course.Read MoneyGeek's GEICO Auto Insurance Review
Best Car Insurance in Connecticut for Bad Driving Records
GEICO is also the top option for drivers with tickets and accidents on their records, according to our research. The best car insurance companies in Connecticut if you have a poor driving record are:
- GEICO: MoneyGeek score of 90 out of 100 ($1,340 per year)
- State Farm: MoneyGeek score of 89 out of 100 ($1,441 per year)
MoneyGeek ranked the best insurance companies for drivers with poor records based on service quality and the cost of car insurance for drivers with an at-fault accident. If you want to save on a policy, we also researched the cheapest car insurance in Connecticut for those with a DUI or bad record.
MoneyGeek’s Pick: GEICO
The annual cost of a policy after an at-fault accident is $1,340 on average
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4.5 out of 5
Offers roadside assistance, rental car reimbursement and accident forgiveness coverage
Does not provide new car replacement or better car replacement coverages
GEICO is the best car insurance company in Connecticut for drivers with poor driving records. 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 is inoperable 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 100 out of 100 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
A full coverage policy for $847 per year on average
Claims score of 5 out of 5
User satisfaction score of 5 out of 5
Accident forgiveness coverage
Loyalty discount when you stick with USAA for a designated period
USAA policies are limited to military members and their families
USAA offers some of the cheapest policies and the best service in Connecticut. It also has one of the best customer satisfaction reputations in the country. However, you can only buy its policies if you are a member of a military family.
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 an 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 were previously insured on your parents’ 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 Those With New Cars
Allstate, with a MoneyGeek score of 79 out of 100, is the best car insurance provider in Connecticut if you have a new car. It charges an average of $1,540 per year for a policy. MoneyGeek rated the best insurance companies in Connecticut based on those that offer a form of new or better car replacement coverage.
New car replacement coverage from Allstate pays for the cost of replacing your car with a similar model should it get damaged within two years. This coverage is an add-on, so you will need to pay more for it.
MoneyGeek’s Pick: Allstate
Offers new car replacement coverage
Claims score of 4.5 out of 5
User satisfaction score of 4.5 out of 5
Relatively expensive policy at $1,540 per year on average
Does not provide better car replacement coverage
Based on MoneyGeek’s analysis, Allstate is a good choice for drivers with new vehicles as the company 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.
With Allstate’s new car replacement coverage policy, you will get a new car of the latest model if your vehicle is totaled in an accident. However, your vehicle must be two model years old or less.Read MoneyGeek's Allstate Auto Insurance Review
Best Car Insurance in Connecticut for Low-Mileage Drivers
Nationwide SmartMiles is the best pay-per-mile program in Connecticut. Many insurers are expanding the use of pay-per-mile policies, in which drivers pay based on how much they drive. You can find out which providers offer the most affordable low-mileage insurance using our guide.
MoneyGeek’s Pick: Nationwide
Nationwide SmartMiles offers affordable coverage for low-mileage drivers
Claims score of 4.5 out of 5
Customer satisfaction score of 4 out of 5
For those who drive frequently, this option might turn out to be more expensive than a regular car insurance policy
Nationwide’s pay-per-mile program in Connecticut is called 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.
Drivers who drive less than 12,000 miles a year will benefit the most from Nationwide’s pay-per-mile program. If you’re a frequent driver, it might not be the best option for you.Read MoneyGeek's Nationwide Auto Insurance Review
How to Find the Best Car Insurance in Connecticut 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.
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.
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.
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.
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:
About the Author
- State of Connecticut Insurance Department. "Auto Insurance in Connecticut." Accessed September 27, 2021.