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Amica Mutual is the best auto insurer for customer service, minimum coverage, full coverage, young adults, seniors and drivers with offenses. Kemper is ideal for new cars and USAA scored highest for military drivers.

If you’re looking for the cheapest rates, MoneyGeek also analyzed the cheapest car insurance in Connecticut.

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2023

Best Car Insurance in Connecticut

Best Overall for Car Insurance in Connecticut

The best car insurance in Connecticut is Amica Mutual. Based on our analysis, the top-ranking companies are:

  • Amica Mutual: MoneyGeek score of 93 out of 100 (approximately $868 per year)
  • GEICO: MoneyGeek score of 89 out of 100 (approximately $693 per year)

Amica Mutual received good customer satisfaction and affordability scores out of the eight companies we analyzed. MoneyGeek also found the cheapest full coverage car insurance in Connecticut if you’re looking for coverage on a budget.


1
Amica MutualBest Overall
Score:93

4.3/5

Customer Satisfaction

4.7/5

Affordability

3.4/5

Claims Experience

3.8/5

Coverages

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

Amica Mutual scored best for customer satisfaction and affordability. It offers glass coverage, which can pay for the replacement of any broken glass in your car. It costs around $868 annually, making it less expensive than most other companies.

More About Amica Mutual

Amica Mutual has several coverages, from roadside assistance services to paying for glass repairs and more. These protections can take care of your vehicle and help you during stressful situations.

Amica Mutual offers full glass coverage. While glass coverage can be included with your comprehensive coverage, full glass coverage is an add-on to your policy. If you purchase it separately, you can skip the deductible in case the glass on your car breaks.

Under new car replacement coverage, Amica Mutual can help replace your car if it’s totaled. The insurer can also cover repairs and towing due to accidents. Whether you hit a fence, a tree or another vehicle, your car insurance can cover the damage. You don’t have to be at fault for this coverage to kick in.

2
Amica Mutual
Score:93

4.3/5

Customer Satisfaction

4.7/5

Affordability

3.4/5

Claims Experience

3.8/5

Coverages

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

Amica Mutual scored best for customer satisfaction and affordability. It offers glass coverage, which can pay for the replacement of any broken glass in your car. It costs around $868 annually, making it less expensive than most other companies.

More About Amica Mutual

Amica Mutual has several coverages, from roadside assistance services to paying for glass repairs and more. These protections can take care of your vehicle and help you during stressful situations.

Amica Mutual offers full glass coverage. While glass coverage can be included with your comprehensive coverage, full glass coverage is an add-on to your policy. If you purchase it separately, you can skip the deductible in case the glass on your car breaks.

Under new car replacement coverage, Amica Mutual can help replace your car if it’s totaled. The insurer can also cover repairs and towing due to accidents. Whether you hit a fence, a tree or another vehicle, your car insurance can cover the damage. You don’t have to be at fault for this coverage to kick in.

3
GEICO
Score:89

3.3/5

Customer Satisfaction

5/5

Affordability

2.2/5

Claims Experience

2.5/5

Coverages

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO offers a pleasant customer experience at the most affordable price. You can get mechanical breakdown insurance and accident forgiveness with your car insurance policy. GEICO has the lowest rates, with an average premium of $693 per year.

More About GEICO

GEICO has a few coverages that can help you. Mechanical breakdown insurance (MBI) is an add-on coverage that helps you pay for repairs, parts replacements and other issues. It’s better than your typical extended warranty because it covers all parts and systems of your car anywhere, instead of just a list of things and specific service centers.

You can also purchase accident forgiveness coverage, or it can be added to your policy as a reward for having a good driving record. This coverage prevents your premium from increasing after an at-fault accident, helping you save money in the long run.

GEICO also provides roadside assistance. If your car breaks down while you’re driving, you can access the services through their mobile app, which can easily locate you through GPS services.

4
GEICO
Score:89

3.3/5

Customer Satisfaction

5/5

Affordability

2.2/5

Claims Experience

2.5/5

Coverages

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO offers a pleasant customer experience at the most affordable price. You can get mechanical breakdown insurance and accident forgiveness with your car insurance policy. GEICO has the lowest rates, with an average premium of $693 per year.

More About GEICO

GEICO has a few coverages that can help you. Mechanical breakdown insurance (MBI) is an add-on coverage that helps you pay for repairs, parts replacements and other issues. It’s better than your typical extended warranty because it covers all parts and systems of your car anywhere, instead of just a list of things and specific service centers.

You can also purchase accident forgiveness coverage, or it can be added to your policy as a reward for having a good driving record. This coverage prevents your premium from increasing after an at-fault accident, helping you save money in the long run.

GEICO also provides roadside assistance. If your car breaks down while you’re driving, you can access the services through their mobile app, which can easily locate you through GPS services.

How the Best Insurers in Connecticut Rank: MoneyGeek Scores and Costs

We analyzed eight companies in Connecticut, and Amica Mutual came out as the winner. Its average premium is $868 per year, garnering a MoneyGeek score of 94 out of 100.

The most affordable company is GEICO, at $693 per year, but Amica Mutual received higher scores for claims management, customer satisfaction and coverage, earning it the top spot.

These rates are for a full coverage policy. Some insurers do not have a MoneyGeek score because of insufficient data.

Company
MoneyGeek Score (out of 100)
Annual Premium
Satisfaction Score (out of 5)
Affordability Score (out of 5)
Claims Score (out of 5)
Coverages Score (out of 5)
Stability Score (out of 5)

USAA

94

$730

5.00

4.94

2.50

2.50

5.00

Amica Mutual

93

$868

4.35

4.69

3.40

3.75

4.00

GEICO

89

$693

3.32

5.00

2.20

2.50

5.00

State Farm

89

$925

3.65

4.60

2.10

2.50

5.00

Nationwide

87

$1,112

2.97

4.27

2.40

3.75

4.00

Progressive

87

$1,303

3.16

3.94

2.40

3.75

4.00

Allstate

83

$1,282

2.15

3.97

1.90

3.75

4.00

Kemper

78

$1,046

1.00

4.38

2.10

1.25

2.00

Hanover

78

$3,558

3.79

0.00

2.10

3.75

3.00

Best Car Insurance in Connecticut for Customer Service

Amica Mutual offers the best customer service for car insurance in Connecticut. You can get the best customer experience from these companies:

  • Amica Mutual: MoneyGeek score of 91 out of 100 (approximately $868 per year)
  • Hanover: MoneyGeek score of 86 out of 100 (approximately $3,558 per year)

Amica Mutual received high scores for customer satisfaction and coverage options. It is relatively cheap compared to other insurers, so customers pay a great price for good service.

Amica Mutual

pros

Affordable rates

Ranked best for customer satisfaction

Scored well for coverage and provides multiple coverage options

cons

Doesn’t have deductible modification coverage

Scored low in claims

COMPANY HIGHLIGHTS

Amica Mutual provides coverages that are applicable to different types of drivers, so you’re protected from any unexpected event that may come your way. Your policy can have coverages for things like your loan or lease, which aren’t common among insurers.

Since cars depreciate in value, you might need coverage that can pay for the difference between your car’s current value and the balance in your loan or lease. Gap insurance covers this difference if your car is totaled. It doesn’t automatically apply, so you’ll need to add it to your policy with collision and comprehensive coverages.

Amica Mutual’s accident forgiveness coverage can also be added to your policy if you have been accident-free for a year, refer another customer or renew your policy with the insurer.

Read MoneyGeek's Amica Mutual Auto Insurance Review

What Makes an Insurer the Best for Customer Service?

The best insurance company for customer service received a high score for customer satisfaction, which is based on reputable sources like J.D. Power. Amica Mutual received the best score for satisfaction but came in second to GEICO for affordability. Nevertheless, Amica Mutual has the second-lowest rate in Connecticut, so you will get good service at a reasonable price.

Best Car Insurance in Connecticut for Minimum Coverage

Amica Mutual has the best car insurance for minimum coverage. After ranking the companies based on affordable rates and customer service, the best companies were:

  • Amica Mutual: MoneyGeek score of 93 out of 100 (approximately $442 per year)
  • GEICO: MoneyGeek score of 90 out of 100 (approximately $319 per year)

Amica Mutual scored well in customer satisfaction and affordability. Minimum coverage policies are affordable, but they have the least amount of protection.

The cheapest minimum car insurance in Connecticut might not be the best option, so it pays to do your research to find the best insurer for your needs.

Amica Mutual

pros

An affordable minimum coverage policy costs around $442 per year

Save by bundling auto insurance with other types of insurance

Get a discount for having an airbag and other passive restraints

Ranked well for affordability

Ranked best for customer satisfaction

cons

Received a lower score for claims and coverage

Doesn’t offer discounts for going paperless or defensive driving

COMPANY HIGHLIGHTS

Amica Mutual’s highest scores are for affordability and customer satisfaction. Although it only ranked second for its rates, Amica Mutual still offers a good deal, especially since it balances affordable premiums with quality customer service.

This company offers discounts for bundling, having multiple cars and being accident-free. The bundling discount allows you to save on your premiums when you pair your car insurance with other policies from Amica Mutual. The accident-free discount applies if you’ve had no claims for the last three years. You can also get a discount if you insure two or more cars with Amica Mutual.

The insurer has discounts that may not be offered by other companies. These include discounts for your loyalty, for paying in full and for going paperless, among many other offers. It’s wise to take advantage of these discounts so that you can save more money on your premiums.

Read MoneyGeek's Amica Mutual Auto Insurance Review

What Makes an Insurer the Best for Minimum Coverage?

A good minimum coverage policy is reasonably priced without sacrificing coverages. The rates in this section apply to insurance with minimum coverage.

Amica Mutual is one of the cheapest companies for minimum coverage, but it has the best customer satisfaction rating. This means you’re not getting a trade-off between services and cost, unlike the cheapest company, GEICO, which received a significantly lower score in satisfaction but has the most affordable rates.

Best Car Insurance in Connecticut for Young Adults

The best car insurance for young adults in Connecticut is from Amica Mutual. We ranked several companies for their affordable rates and quality of service for full coverage policies for 20-year-old drivers. Our top picks are:

  • Amica Mutual: MoneyGeek score of 94 out of 100 (approximately $955 per year)
  • GEICO: MoneyGeek score of 89 out of 100 (approximately $880 per year)

Amica Mutual’s highest scores are for affordability and customer satisfaction. Young adults pay cheaper premiums than teens but more expensive premiums than older drivers. If you’re focused on saving, you can find more affordable car insurance for young drivers in Connecticut.

Amica Mutual

pros

Ranked second for affordability, at roughly $955 per year

Scored well in customer satisfaction

Offers good student, distant student and driver’s education discounts

cons

May not give the best service in case of claims

Coverage score isn’t the highest

COMPANY HIGHLIGHTS

Amica Mutual is one of the most affordable options for young drivers. Its average premium is $955 per year. It scored well in affordability and customer service.

This company can give you a discount for getting good grades, being away from home for school and for taking a driving safety course. The good student discount applies to high school and college students who have an average grade of “B” or higher. You can also get a discount if your child moves away from home for school and doesn’t have a car. Completing accredited driver safety courses can also help you save money on your premium.

Amica Mutual’s 24/7 roadside assistance can be incredibly useful for young drivers. This coverage can give services like towing, changing flat tires and gas delivery.

Read MoneyGeek's Amica Mutual Auto Insurance Review

What Makes an Insurer the Best for Young Adults?

The best insurer for young adults makes car insurance affordable without the trade-off for coverage. It also offers discounts that can be tailored for young drivers. Amica Mutual is more expensive than GEICO, but it has better scores for coverage and satisfaction from sources like J.D. Power, earning it the top spot.

Best Car Insurance in Connecticut for Seniors

Amica Mutual is the best car insurance for seniors in Connecticut. After analyzing their affordability and service quality for full coverage policies for 60-year-old drivers, we found that the best companies include:

  • Amica Mutual: MoneyGeek score of 94 out of 100 (approximately $855 per year)
  • GEICO: MoneyGeek score of 89 out of 100 (approximately $683 per year)

With Amica Mutual, you can have a good customer experience without breaking the bank.

Premiums can stay the same from your 30s up to your 60s, but they can increase in your 70s. If affordable rates are your top priority, you can shop around to find cheap car insurance for seniors in Connecticut.

Amica Mutual

pros

Offers affordable rates, costing approximately $855 per year

Offers new car replacement coverage and accident forgiveness

Ranked well for customer satisfaction

cons

Scored low in terms of claims

Low score for coverages

COMPANY HIGHLIGHTS

Amica Mutual is one of the cheapest companies for seniors. It also gives the best customer service, which means the insurer will help you if you need to file a claim.

This company offers roadside assistance and rental reimbursement. Roadside assistance can help you get the car back on the road by covering repairs like battery jump-starting, towing, unlocking doors and more. Rental reimbursement can pay for the cost of your rental car if it’s no longer drivable or needs repairs after an accident.

These coverages can be helpful for you in case of emergencies ranging from car breakdowns to accidents. Your car insurance can give you round-the-clock assistance so you can be on the road anytime. It can also help you with repair expenses, even if you’re just renting a car.

Read MoneyGeek's Amica Mutual Auto Insurance Review

What Makes an Insurer the Best for Seniors?

Seniors should look for an insurer that offers affordable premiums and discounts. It’s also important to consider coverages, like roadside assistance, to help you in case of emergencies.

Amica Mutual received better scores for customer satisfaction from J.D. Power than its competitors. Even though GEICO is cheaper, Amica Mutual offers better services that can make seniors’ lives easier.

Best Car Insurance in Connecticut for Drivers With Offenses

Amica Mutual offers the best car insurance for drivers in Connecticut with offenses. Based on affordability and customer service, the best full coverage policies are from:

  • Amica Mutual: MoneyGeek score of 94 out of 100 (approximately $1,544 per year)
  • State Farm: MoneyGeek score of 90 out of 100 (approximately $1,031 per year)

Amica Mutual is one of the most affordable insurers and scored highly in affordability and customer satisfaction.

Annually, drivers pay $220 more with a speeding ticket, $1,721 more with an accident and $3,769 more with a DUI. To save money, drivers should compare cheap car insurance after an incident in Connecticut.

Amica Mutual

pros

Has affordable rates, at around $1,544 per year

Offers accident forgiveness, roadside assistance, rental reimbursement and new car replacement coverages

Scored well in customer satisfaction

Ranked well in affordability

cons

Low scores in coverages

Scored low in claims

COMPANY HIGHLIGHTS

Amica Mutual is one of the most affordable companies for drivers with speeding tickets, at-fault accidents or DUIs on their records. It also provides excellent customer service.

It also offers essential coverages, like accident forgiveness, roadside assistance, rental reimbursement and new car replacement. Insurers tend to see drivers with violations as high-risk clients after an offense, so it pays to have adequate protection when you’re behind the wheel.

Roadside assistance gives you 24/7 access to services like towing or changing flat tires. If your rental car has been in an accident and can't be driven anymore or needs repairs, rental reimbursement can pay for the rental or repair costs.

Accident forgiveness allows your premium to stay the same despite being in an at-fault accident. If your car has been totaled after an accident, your policy can replace your car with another one thanks to new car replacement coverage.

Read MoneyGeek's Amica Mutual Auto Insurance Review

What Makes an Insurer the Best for Drivers With Offenses?

Drivers with offenses can benefit from affordable premiums, discounts and coverages like accident forgiveness. Amica Mutual is one of the cheapest companies in Connecticut and took the top spot due to its high ranking in customer satisfaction from J.D. Power. State Farm, the runner-up, has lower rates.

Best Car Insurance in Connecticut for Drivers With New Cars

Kemper offers the best car insurance for drivers with a new car. We analyzed companies that offer new or better car replacement coverages based on their affordability and services for drivers with a 2022 car model. The top companies are:

  • Kemper: MoneyGeek score of 80 out of 100 (approximately $1,178 per year)
  • Allstate: MoneyGeek score of 74 out of 100 (approximately $1,690 per year)

Kemper is the cheapest option for this category and received the highest score for claims. It offers new car replacement coverage, which pays for the expenses of purchasing a new car. This coverage generally applies if your car has been totaled in an accident.

Kemper

pros

Affordable premiums averaging $1,178 per year

Offers new car replacement coverage

Ranked well in claims

cons

Low customer satisfaction

Only has a few coverages

COMPANY HIGHLIGHTS

Kemper scored the best for affordability and customer satisfaction. It’s cheaper than other insurers that also offer new car replacement coverage. You may have a better experience when filing claims with this company.

New car replacement coverage helps you buy a new car after your car has been totaled in an accident. Insurers usually pay for the actual cash value of your car, but Kemper can pay for the amount you need for your car’s replacement.

This is a significant coverage offering if you have a new car since it doesn’t base the financial assistance on the depreciated value of your car. While your car is new, it has already depreciated once it’s out on the road. You can trust your insurance to buy you a new car of the same model instead of using your funds.

Read MoneyGeek's Kemper Auto Insurance Review

What Makes an Insurer the Best for Drivers With New Cars?

Good car insurance for drivers with a new car has a new or better car replacement coverage to help you buy a new vehicle in case of an accident. Kemper is the more affordable option out of the two companies we reviewed for this category, but the runner-up scored better when it came to coverage options.

Best Car Insurance in Connecticut for Military Drivers

The best car insurance company for military drivers is USAA. It received a MoneyGeek score of 94 out of 100 for its affordability and quality of service. Its average premium is $730 per year for a full coverage policy. USAA’s services are exclusive for active military members, veterans and their eligible family members.

USAA

pros

Has one of the cheapest premiums at approximately $730 per year

Offers accident forgiveness and roadside assistance

Has the best customer satisfaction score

cons

Only has a few coverages

Low score for claims

COMPANY HIGHLIGHTS

USAA is one of the cheapest options for military families, ranking second for affordability. It also received a perfect score for customer satisfaction, which means you can have the best experience and engagement from this company.

USAA doesn’t have many coverage options. It offers accident forgiveness, roadside assistance and rental car reimbursement. Accident forgiveness is rare, but if you have it on your policy, your rates won’t increase after an at-fault accident.

Roadside assistance and rental reimbursement are optional coverages. Roadside assistance can come to your aid if your car encounters a problem while you’re driving. This may include towing, pulling your car from mud or snow, fuel delivery and more.

Rental reimbursement applies when your car needs to be repaired or has been totaled during a covered loss and you need to rent a car or commute to get around. This coverage can pay for the expenses of your rental car.

Read MoneyGeek's USAA Auto Insurance Review

How to Find the Best Car Insurance in Connecticut for You

The best car insurance balances cost, customer service and financial stability. Your experience when dealing with your insurer is important because covered losses are stressful events.

To help you find the best car insurance policy for your needs and preferences, we collected data from various companies. These are tips on how you can find the policy that suits you best.

1

Research customer service reputations in Connecticut

MoneyGeek collected data from J.D. Power and NAIC to rate each company’s customer service. You can research further to find more specific information. Consider looking up J.D. Power satisfaction scores and NAIC complaint ratios in your state. You can also check Connecticut’s Department of Insurance website if you need more information.

2

Compare quotes

We used averages for sample drivers when calculating the average premiums for every company. This means these rates may not apply to you specifically. To find out how much car insurance will cost for you, consider collecting three or more quotes from different companies. These quotes could be more specific to your needs than our average quotes.

3

Find the coverages you want in Connecticut

Coverages may not be available for every state, so it’s best to confirm if your insurer offers certain protections that you need. Some coverages can also have different names in the insurance policy. Remember to review your policy or contact a representative from your insurer to be absolutely sure about what is included and excluded from your policy.

4

Check financial stability ratings

A company’s financial stability may indicate its longevity in the business. This determines the certainty of your benefits and receiving payments in the future in case of claims. Bigger insurance companies are more established, so they do better financially. Regional insurance companies in Connecticut or small companies may have lower financial stability ratings.

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FAQs About the Best Car Insurance in Connecticut

The best car insurance in Connecticut is different for everybody. It depends on what you’re looking for and what you need. These are some of the frequently asked questions to guide you while shopping for auto insurance in the state.

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.