Best Car Insurance in Connecticut

GEICO ranks as Connecticut's best car insurance company, earning a MoneyGeek score of 4.64 out of 5 for its combination of competitive rates and reliable service. It offers the best-rated car insurance for 7 out of the 10 driver profiles we analyzed and has the lowest minimum coverage policies available in the state. Amica ranks second with the highest customer satisfaction ratings, while Progressive offers the broadest coverage options.

Your insurance needs may differ from our general recommendations for Connecticut drivers. Compare rankings from our top five insurance providers to find coverage that fits your situation.

*The categories above are based on insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.

Finding the right car insurance in Connecticut can be difficult. Our guide helps you choose coverage that fits your needs and budget.

Connecticut requires all drivers to carry 25/50/25 liability coverage plus uninsured and underinsured motorist protection at the same limits. This means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. The state also mandates $25,000/$50,000 in uninsured motorist coverage and $25,000/$50,000 in underinsured motorist coverage.

Driving without required coverage in Connecticut results in fines between $100 and $1,000, plus license suspension for one month on the first offense. Repeat violations bring six-month suspensions. You'll also face vehicle impoundment and registration loss until you restore coverage.

These minimum limits haven't been updated in years and may not cover today's medical costs and vehicle values. A moderate accident can easily exceed $25,000 in medical expenses for one person, leaving you responsible for the difference. Property damage costs also increase quickly when today's vehicles average over $35,000.

We recommend increasing coverage limits beyond minimums when the budget allows. Consider 100/300/100 liability limits and comprehensive/collision coverage if your vehicle has significant value. Most insurers offer higher limits for relatively small premium increases, providing much better protection.

The best auto insurance depends on location, coverage type, driver profile and driving history. GEICO is the top-rated company overall, while Amica and State Farm are also good options for drivers in Connecticut.

Finding the right car insurance depends on your specific needs, so we've gathered expert answers to help you choose coverage that fits your situation.

We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Connecticut. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.

Here's how we score each company:

• Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Connecticut. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
• Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Connecticut-specific feedback to get an accurate score.
• Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.