Cheapest Car Insurance in Connecticut

GEICO offers the lowest full coverage rate for Connecticut drivers at $74 per month or $885 per year, which is about 51% below the state average. Kemper is the next most affordable option at $117 monthly, coming in $43 higher each month than GEICO, or $516 more per year. Amica Mutual follows at $128 per month, giving Connecticut drivers another competitive choice for full coverage.

Connecticut drivers searching for affordable liability-only coverage will find GEICO offering the best rate at $34 per month, or $410 per year, which is about 61% below the state average.

Amica Mutual follows at $60 monthly, Kemper charges $65, State Farm comes in at $78 and Allstate reaches $86 for the same minimum limits. Choosing GEICO instead of Allstate results in a yearly savings of $624, which is almost enough to cover another year and a half of GEICO’s lowest rate.

Across all 20 major Connecticut cities, GEICO offers the lowest minimum coverage rates, with prices starting at $34 in Greenwich and Norwalk and reaching $53 in Bridgeport. This $19 monthly difference adds up to $228 a year for minimum coverage. Full coverage shows a similar range, from $73 in Greenwich to $115 in Waterbury.

Connecticut’s small size and stable insurance market contribute to its relatively narrow price variation compared to states with larger urban–rural gaps.

Teen drivers in Connecticut see some of the highest rates, with Amica Mutual offering the lowest option for 16-year-olds at $328 per month. GEICO provides the most affordable rate for 25-year-olds at $57 per month and also leads every age in between, charging $264 for 17-year-olds, $238 for 18-year-olds, $156 for 19-year-olds and $141 for 20-year-olds. The $271 monthly gap between ages 16 and 25 shows how sharply costs drop as young drivers gain experience and move out of the highest-risk group.

Teens under 18 usually need a parent or guardian to cosign an auto policy. Young adults may also explore the cheapest car insurance coverages if they’re shopping for lower rates as they move into more stable pricing tiers.

Note: Young drivers often pay higher premiums due to limited driving experience and rates can vary based on state rules and individual driving history.

Connecticut senior drivers get some of the lowest rates from GEICO, which charges $67 for 65-year-olds, $59 for 70-year-olds and $82 for 80-year-olds for minimum coverage. 

The $15 increase from age 70 to age 80 highlights how rates begin to rise again as drivers reach the oldest age brackets, even with decades of driving experience. Across these senior groups, experienced drivers in the Constitution State pay about 45% to 49% below the statewide average.

Connecticut drivers with a DUI will find the lowest minimum rate with State Farm at $84 per month, followed by Kemper at $107. GEICO comes in at $116, Allstate averages $127, and Progressive reaches $149 for the same minimum limits. For full coverage after a DUI, State Farm still leads at $166 monthly, with Kemper close behind at $187.

The $65 monthly difference between State Farm and Progressive for minimum coverage adds up to $780 a year, which can be a meaningful savings for high-risk drivers working to rebuild their insurance profiles.

GEICO provides affordable SR-22 insurance in Connecticut at $67 per month for minimum coverage, which is about 54% below the state average for drivers who need to show financial responsibility after a license suspension. Kemper charges $119 monthly, Amica Mutual averages $133, and State Farm reaches $158 for minimum SR-22 coverage. 

For full coverage, GEICO also leads at $150 per month, followed by Kemper at $211 and Amica Mutual at $274. SR-22 certificates cost between $15 and $50 and are filed by your insurer with the Connecticut Department of Motor Vehicles. Most drivers must keep an SR-22 on file for three years after a serious violation.

If you’re securing non-owner car insurance, GEICO gives Connecticut drivers the most budget-friendly rate at $54 per month, coming in about 34% below the state average. This type of policy works well for drivers who need insurance for SR-22 filing requirements or rely on frequent car rentals. State Farm follows at $82 monthly, and Kemper averages $90 for the same coverage.

Non-owner policies cost less than standard auto insurance because they only include liability protection, covering damage you may cause rather than a specific vehicle. The $36 monthly difference between the lowest and highest rates adds up to $432 a year.

After an at-fault accident, GEICO offers the lowest minimum coverage for Connecticut drivers at $49 per month, coming in about 58% below the state average. Amica Mutual follows at $76 monthly, State Farm averages $84 and Kemper charges $105 for the same limits. For full coverage, GEICO also leads at $105 per month, with Kemper coming in at $186.

Premiums usually rise by 20% to 40% after an at-fault accident, and higher rates can remain for three to five years depending on the severity of the crash, your driving history and each insurer’s rating approach.

For Connecticut drivers with a speeding ticket, GEICO offers the lowest minimum coverage at $41 monthly, or $487 yearly, which is about 54% below the state average. Amica Mutual follows at $74 per month, while State Farm averages $84, Allstate comes in at $86 and Kemper charges $99 for the same limits.

For full coverage after a speeding ticket, GEICO still leads at $88 monthly. Amica Mutual averages $159 and State Farm comes in at $166, giving drivers several options that remain well below the statewide average.

GEICO offers the lowest minimum coverage for Connecticut drivers with poor credit at $69 monthly, or $832 yearly, which is about 35% below the state average. Nationwide is next at $90 per month, Farmers averages $106 and both Kemper and Progressive charge $117 for the same limits. For full coverage, GEICO still leads at $150 monthly, giving drivers a $29 monthly and $347 yearly savings compared to Nationwide, which comes in at $179.

Connecticut allows insurers to use credit scores when setting rates, so drivers with lower credit often pay more. Improving your credit score over time can help lower your premiums by a huge amount each year.

Connecticut car insurance costs depend on where you live, your driving history, age, and credit score. GEICO offers the most affordable rates in the state, with minimum coverage starting at $410 annually and full coverage at $885 per year. You can save hundreds of dollars annually by comparing insurers and securing available discounts.

If you're unsure where to start, our insurance experts respond to the most common questions about affordable car insurance in Connecticut.

Our Research Approach

Connecticut drivers deal with a unique set of insurance challenges. Urban centers like Hartford and New Haven command higher premiums than smaller towns, while the state's mandatory uninsured motorist requirements create a different cost structure than you'll find in surrounding states. We analyzed Connecticut's insurance landscape to show you which companies deliver the best value across the state's varied regions.

We gathered auto insurance data from the Connecticut Department of Insurance and Quadrant Information Services, examining quotes from 12 major insurers across more than 200 million rate comparisons spanning every residential ZIP code in Connecticut.

Sample Driver Profile

Our baseline quotes reflect a 40-year-old driver maintaining good credit with no violations or accidents. This represents Connecticut's average insured driver before factors like tickets, claims or credit issues push rates higher. Your actual premium depends on your driving record, credit score and home address.

Coverage Levels We Compared

We examined two insurance scenarios:

Minimum coverage: Connecticut mandates $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 for property damage (25/50/25). The state also requires uninsured and underinsured motorist protection at these liability levels. While this satisfies legal obligations, serious accidents frequently exceed these limits.

Full coverage: Enhanced liability protection at $100,000/$300,000/$100,000 combined with comprehensive and collision insurance using a $1,000 deductible. This protects both your liability exposure and covers your vehicle's repair or replacement costs.

Location Affects Your Rate

ZIP code dramatically impacts Connecticut insurance costs. Drivers in adjacent towns often see 40-60% price differences for identical coverage. Our analysis shows which Connecticut locations have the highest premiums and where geographic factors help lower your costs.

For more information, see the detailed methodology here.