GEICO ranks as the best car insurance company in Connecticut, earning a MoneyGeek score of 4.6 out of 5 for its strong mix of affordable rates, solid customer service and comprehensive coverage options. Since insurance needs vary by driver, we also recommend considering Amica, State Farm, Allstate and Kemper.
Best Car Insurance in Connecticut
Updated: August 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Connecticut is GEICO, leading the pack with the highest affordability score in the state.
Amica offers excellent coverage for young drivers and those with accident history, while GEICO provides the best rates for drivers with speeding tickets.
Connecticut drivers should determine their coverage needs first, research provider options and compare plenty of quotes to find the most affordable rates.
Best Car Insurance Companies in Connecticut
| GEICO | 4.64 | $54 | 4 | 6 |
| Amica | 4.43 | $96 | 1 | 5 |
| State Farm | 3.98 | $118 | 3 | 6 |
| Allstate | 3.92 | $129 | 6 | 3 |
| Kemper | 3.86 | $91 | 8 | 7 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Connecticut by Driver Profile
GEICO leads Connecticut car insurance rates in 7 out of 10 categories. Amica offers the best rates for young drivers and those with accidents, while State Farm provides the lowest premiums for drivers with DUIs.
| Young Drivers | Amica | 2 | 1 | 5 |
| Adult Drivers | GEICO | 1 | 4 | 6 |
| Senior Drivers | GEICO | 1 | 4 | 6 |
| Drivers With an Accident | Amica | 2 | 1 | 5 |
| Drivers With a DUI | State Farm | 1 | 3 | 6 |
| Drivers With a Speeding Ticket | GEICO | 1 | 4 | 6 |
| Drivers With Bad Credit | GEICO | 1 | 4 | 6 |
| Drivers With Low Income | GEICO | 1 | 4 | 6 |
| Drivers With Newer Cars | GEICO | 1 | 4 | 6 |
| Drivers With Old Cars | GEICO | 1 | 4 | 6 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Connecticut Car Insurance Recommendations
Your insurance needs may differ from our general recommendations for Connecticut drivers. Compare rates from our top five insurance providers to find coverage that fits your specific situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| GEICO | 4.64 | $198 | 4 | 6 |
| Nationwide | 4.12 | $300 | 5 | 4 |
| Progressive | 4.06 | $333 | 2 | 2 |
| Amica | 4.03 | $346 | 1 | 5 |
| State Farm | 3.83 | $342 | 3 | 6 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Connecticut Car Insurance Reviews
See detailed service comparisons for our top-rated insurance companies below.
GEICO
Best Cheap Overall in Connecticut
MoneyGeek Rating
4.6/ of 5
5/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Full Coverage Cost
$75For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$34For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
Amica
Best Customer Experience in Connecticut
MoneyGeek Rating
4.4/ of 5
4.2/5Affordability
5/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$131For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$62For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
N/AAggregated across all captive and independent agentsMost Unique Coverage Add-on
StreetSmart Rewards Program
How to Find the Best Car Insurance in Connecticut
Finding the right car insurance in Connecticut can be difficult. Our guide helps you choose coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
Know what coverage you need. Consider your driving habits, location and finances you need while meeting Connecticut required minimums.
- 2
Research average costs and discounts you may qualify for
Find out average car insurance costs in Connecticut and look for home and auto insurance bundles, telematics programs, and good student discounts. You can complete a defensive driving program to earn additional savings.
- 3
Look through provider customer experiences and coverage options thoroughly
Research customer reviews and ratings to find the best companies.
- 4
Consider non-standard coverage options
Explore non-owner car insurance and pay-per-mile policies that might better suit your situation.
- 5
Compare plenty of quotes through multiple means
Shop around to find the cheapest option possible for your coverage needs.
- 6
Reassess annually
Car insurance pricing changes frequently due to market conditions and inflation. Review your coverage and shop for new quotes each year to ensure you maintain the best possible rate for your situation.
Best Connecticut Auto Insurance: Bottom Line
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.
Best Auto Insurance in Connecticut: FAQ
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.
What is the best car insurance company in Connecticut?
GEICO leads Connecticut's auto insurance market with a MoneyGeek score of 4.6 out of 5 and competitive full coverage premiums averaging $75 per month.
What is the best car insurance company for minimum coverage in Connecticut?
GEICO offers the most competitive rates for minimum coverage in Connecticut, with average premiums starting at $405 per year.
What is the best car insurance in Connecticut for young drivers?
Amica is the leading insurance choice for young adults in Connecticut, combining strong customer service with competitive rates starting at $134 per month.
What is the best car insurance for Connecticut drivers who value customer service?
Amica leads Connecticut in customer experience. The company stands out for its streamlined buying process, responsive agent service, user-friendly policy tools and reliable claims handling.
What is the best car insurance in Connecticut if you have driving offenses?
State Farm leads the pack for Connecticut drivers with violations, offering monthly rates of $86 for minimum coverage and $169 for full coverage auto insurance.
How We Rated the Best Car Insurance in Connecticut
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.