Discover essential tips to help you shop for car insurance in Connecticut with confidence and save.
Car Insurance Calculator Connecticut
Updated: April 23, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Apr 24, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
MoneyGeek Score
92
/of 100
Average Monthly Payment$64/mo
2
GEICO
MoneyGeek Score
74
/of 100
Average Monthly Payment$94/mo
3
Nationwide
MoneyGeek Score
88
/of 100
Average Monthly Payment$104/mo
MoneyGeek Score
67
/of 100
Average Monthly Payment$127/mo
5
Foremost
MoneyGeek Score
70
/of 100
Average Monthly Payment$138/mo
MoneyGeek Score
71
/of 100
Average Monthly Payment$155/mo
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Key Takeaways
Insurers in Connecticut will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Connecticut can range anywhere from $973 to $4,571 per year depending on a variety of factors.
To get the best deal on Connecticut car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Connecticut Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage level before shopping to avoid unnecessary upselling. Consider factors like your location, driving habits, vehicle type and financial situation. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Investigate average car insurance costs in Connecticut for your chosen coverage level and driver profile. Look for discounts you may qualify for to enhance your savings.
Research the Cheapest Providers for You
With your coverage level and cost research in hand, start gathering provider estimates. This will help you identify where to begin when comparing quotes and who offers the cheapest car insurance in Connecticut for you.
Compare Multiple Providers Through Many Avenues
Comparing providers can lead to significant savings in Connecticut. Use various resources like comparison sites, independent brokers, and direct agencies to find the best prices since costs can vary.
Take Advantage of Connecticut-Specific Programs
If you're a high-risk driver, Connecticut provides an 8-Hour Safe Driving Practices Class that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are great for infrequent drivers. Telematics insurance rewards good driving habits with discounts. Automakers' insurance programs may offer savings and additional benefits.
What Affects Your Connecticut Car Insurance Estimates?
Your car insurance premium in Connecticut is determined by four main factors: vehicle details, your driver profile, location and the provider you choose. Learn more about how each affects rates for drivers in the Constitution State:
How Much Does Provider Chosen Affect Connecticut Car Insurance Estimates?
The provider you choose is the most influential factor affecting the car insurance estimates and quotes in Connecticut. Depending on the provider, your rates can drop 50% or increase by as much as 133% compared to the average for drivers in the state.
| Lowest | GEICO | $81 | $973 |
| Highest | Hanover | $381 | $4,571 |
How Much Does Age Affect Connecticut Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Connecticut drivers. Depending on your age, your rates can go up as much as 143% or decrease by as much as 46% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 24 | $121 | $1,454 |
| Highest | 16 | $541 | $6,493 |
How Much Does Credit Affect Connecticut Car Insurance Estimates?
Credit score level influences car insurance rates in Connecticut the third most when compared to other factors. The better your credit score is, the lower your car insurance rates will be. Rates can vary from $82 monthly to $158 per month on average for full coverage policies.
| Lowest | Excellent | $82 | $986 |
| Highest | Poor | $158 | $1,895 |
How Much Does Coverage Affect Connecticut Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Connecticut, causing rates to vary anywhere from $1,023 per year for minimum coverage to $2,195 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $85 | $1,023 |
| Highest | 300/500/300 Full Cov. w/$1,500 Ded. | $183 | $2,195 |
How Much Does Driving Record Affect Connecticut Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Connecticut with rates changing up to 80%. Depending on how many violations you have and their severity, rates will vary widely.
| Lowest | Clean | $163 | $1,961 |
| Highest | DUI - BAC >= .08 | $494 | $5,925 |
How Much Does Location Affect Connecticut Car Insurance Estimates?
Connecticut's location ranks as the sixth most influential factor for auto insurance rates. Generally, higher population density and bad weather increase costs. The cheapest car insurance rates in the state are found in Connecticut State Remnant Tier Aggregate, while Bridgeport has the highest.
| Lowest | Connecticut State Remnant Tier Aggregate | $143 | $1,711 |
| Highest | Bridgeport | $217 | $2,601 |
Connecticut Car Insurance Calculator: Bottom Line
Before you dive in, make sure to look into costs, coverage types and insurers. Then, use our car insurance calculator for an estimate. Next step? Gather lots of quotes. Compare them to our numbers. Match them up, dollar for dollar, to find the best deal that's just right for you.
Connecticut Car Insurance Estimate: FAQ
Below you will find answers to common questions about Connecticut car insurance costs and estimates:
What is used to determine Connecticut car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there, the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Connecticut car insurance on average?
In Connecticut, average car insurance rates span from $76 per month to upward of $238 monthly on average.
How do I get the best car insurance in Connecticut?
To find the best car insurance in Connecticut, assess your coverage needs, compare rates from different insurers and utilize car insurance calculators for accurate pricing.
Our Connecticut Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
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.