Best Car Insurance in Connecticut

GEICO ranks as the best and cheapest overall car insurance provider in Connecticut across diverse driver profiles. Adult drivers pay $55 monthly, while seniors pay $77 and drivers with older vehicles pay just $48. Drivers with bad credit pay $133 monthly, still below most competitors. Those with speeding tickets pay $63 monthly, and low-income drivers pay $89. These rates earn GEICO a perfect 5.0 affordability score.

Customer experience scores 4.4 out of 5.0, with fast claims processing and multiple support channels. GEICO's 24/7 service includes a mobile app for policy management, claims filing, and digital ID cards. Connecticut agents understand state-specific concerns like coastal damage and severe weather. Most claims resolve within days.

Coverage options score 3.3 out of 5.0. Beyond standard liability, collision, and comprehensive insurance, GEICO includes medical payments, uninsured motorist protection, and personal injury protection. Specialized options include pet injury coverage and mechanical breakdown insurance — useful for Connecticut drivers facing the state's high auto theft rates. Roadside assistance, rental reimbursement, and loan/lease payoff coverage round out the offerings.

Read our review: GEICO Car Insurance Review

Amica's coverage extends beyond standard liability, collision, and comprehensive insurance in Connecticut. Medical payments, personal injury protection, and uninsured motorist coverage come standard. The Platinum Choice Auto package bundles multiple protections with accident forgiveness and new car replacement. Amica's unique dividend policy returns 5% to 20% of annual premiums to policyholders. Coverage quality scores 3.9 out of 5.0, ranking fifth among Connecticut insurers.

Customer experience scores a perfect 5.0 out of 5.0, the highest in Connecticut. Amica operates 24/7 support with local agents who understand coastal and weather-related damage claims. J.D. Power consistently ranks Amica at the top of its Auto Claims Satisfaction Study for fast, thorough processing. Policyholders manage policies and report claims through a mobile app available on iOS and Android.

Young drivers and those with accidents find competitive options through Amica, though premiums run higher than the state average. Young drivers pay $211 monthly ($2,532 annually), while drivers with accidents pay $123 monthly ($1,470 annually). Despite elevated costs, Amica earns a 4.2 out of 5.0 affordability score and ranks second overall among Connecticut insurers. Superior service quality and comprehensive coverage justify the premium pricing.

Read our review: Amica Car Insurance Review

State Farm ranks as the best and cheapest option for drivers with a DUI in Connecticut, with average monthly premiums of $127. Coverage extends beyond standard liability, collision, and comprehensive insurance to include emergency roadside assistance, car rental coverage, pet injury coverage, and custom parts protection. Flexible deductible options and safe driving programs like Drive Safe & Save and Steer Clear help reduce costs. Coverage scores 3.3 out of 5 for solid protection.

Customer experience scores 4.5 out of 5, ranking 3rd among Connecticut insurers. Numerous local agents across the state offer personalized service and 24/7 support. The mobile app handles policy management, claims filing, and digital ID cards. Connecticut customers report shorter wait times, especially for weather-related claims common in the region.

Read our review: State Farm Car Insurance Review