The Cheapest Car Insurance in Connecticut for 2022

MoneyGeek found the cheapest insurance carriers in Connecticut by city for drivers who want more accurate pricing depending on their precise area. MoneyGeek also evaluated the best Connecticut auto insurance companies based on a combination of customer service and price.

Connecticut drivers need to have at least the state’s minimum liability car insurance. This policy covers the other driver’s costs if you’re at fault in an accident, but it does not cover your own expenses.

On average, the cheapest car insurance firms in Connecticut for minimum coverage are:

• GEICO: $491 per year
• Amica Mutual: $739 per year

USAA, exclusively available to military members and their families, is the cheapest car insurance for military families in Connecticut at an average of $444 per year. The most expensive car insurance company for minimum coverage is Nationwide, costing approximately $1,026 per year.

These prices are only estimates based on rates for an average Connecticut driver and should not be used to compare insurance prices.

A full coverage plan with higher liability limits and comprehensive and collision insurance will cost more than minimum coverage, but it protects you from the cost of damages to your car, not just others. To find the least expensive rates, you should compare car insurance quotes from several providers.

On average, the most affordable car insurance for full coverage in Connecticut are:

• GEICO: $965 per year
• Progressive: $1,218 per year

USAA is the cheapest average full coverage car insurance in Connecticut at $884 annually. However, it is only available to current and former military members and their families. Allstate is the most expensive carrier for full coverage, with average annual costs of $1,607.

Please note that your individual premiums will be different than these examples. These rates are averages for a full coverage policy with $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.

Most car insurance companies offer a convenient and accurate online quote tool. When comparing quotes, you should ideally use the same limits. For instance, if you get a quote for $300,000 in bodily liability insurance per accident from one carrier, use the same limit when you obtain rates from other insurers.

MoneyGeek’s car insurance calculator can help you compare quote estimates for the average Connecticut driver. For a personalized quote, enter more information.

USAA, GEICO and Amica Mutual are the three cheapest insurers for liability coverage in Connecticut. You can kick off your search for a suitable policy by getting their rates.

In Connecticut, car insurance is more expensive for young drivers because of their inexperience. The average cost to insure a 16-year-old in the state is $3,623 per year. A similar policy will cost an average of $1,492 for 25-year-old drivers. These average rates are for a full coverage policy.

GEICO is most commonly the cheapest car insurance provider for young drivers in Connecticut. Based on average rates, it is the most affordable option for every age in the 16-25 range.

Teenage drivers' auto insurance rates are initially high. But, as they get older and more experienced, rates usually go down. In Connecticut, when comparing the cheapest insurers, the average cost for a driver aged 25 is roughly $1,752 less than for a driver aged 16.

If a young driver maintains a certain grade point average and completes a driver's education program, they may be eligible for a number of insurance savings. In addition, comparison shopping is vital for choosing affordable auto insurance providers in Connecticut.

Auto insurance companies generally charge senior drivers slightly higher rates. In Connecticut, a senior driver could pay $1,651 per year on average. This is roughly $146 more than a typical 40-year-old driver pays.

On average, the cheapest car insurance companies in Connecticut for senior drivers with full coverage are:

• GEICO: $1,194 per year
• Progressive: $1,352 per year

USAA offers cheap car insurance for seniors at an average of $988 per year. This insurance is only available to military families. Amica Mutual is the most expensive option on average. They charge around $1,827 per year for senior drivers in Connecticut.

Finding cheap car insurance for seniors in Connecticut is doable if the driver has never had a traffic violation in their history. The cost of auto insurance for senior citizens may vary based on variables such as the type of car they drive, the amount of distance covered annually and a history of traffic offenses. Additionally, hearing and/or vision disabilities might affect insurance prices.

Senior citizens should often shop around for the most affordable costs. Connecticut seniors might save up to $633 yearly by comparing rates.

Even a minor driving violation, like a speeding ticket, can increase your car insurance rates. Connecticut drivers with a speeding ticket pay an average of $1,888 per year for their auto insurance coverage, compared to approximately $1,505 for those with no violations.

On average, the most affordable car insurance providers in Connecticut for a driver with a speeding ticket and full coverage are:

• State Farm: $1,504 per year
• Progressive: $1,554 per year

USAA offers cheap car insurance for drivers with tickets at an average cost of $1,009 per year. This insurance is only offered to military families. Meanwhile, GEICO has the highest average rate for drivers with tickets in Connecticut at roughly $2,197 per year.

As with DUIs, individual states set laws regarding how long speeding and distracted driving tickets stay on a driver’s record. Most insurance companies follow a three-year rule, but some infractions may have a longer-lasting impact. Some insurers may not increase rates for a first-time offender, though they will remove the safe driving discount. Check with multiple insurers to find the best rate possible.

A driver with a DUI pays $2,932 per year on average for their car insurance in Connecticut. This is almost double the average cost of $1,505 for a driver with a clean record.

On average, the cheapest car insurance carriers in Connecticut for a driver with a DUI and full coverage are:

• Progressive: $1,441 per year
• State Farm: $1,504 per year

Although GEICO is the cheapest insurer for Connecticut drivers with a clean record, Progressive offers lower premiums for those with a DUI.

DUI convictions often appear on both driving and criminal records. There are significant costs associated with a DUI, including higher insurance premiums for three to 10 years.

Although purchasing car insurance following a DUI may be more costly, comparing insurance carriers may help you save. In fact, it could help you save up to $2,695 annually. You also have the option of improving your driving record in order to reduce future expenses.

Your auto insurance premiums in Connecticut can increase significantly after having an at-fault accident. The average annual rate of auto insurance for drivers with at-fault accidents in the state is $2,298.

On average, MoneyGeek found that the two cheapest companies for drivers with at-fault accidents on their records are:

• GEICO: $1,399 per year
• State Farm: $1,504 per year

If you are qualified, USAA is your most affordable option. The average cost of a USAA policy for drivers with at-fault accidents is $1,222 per year. Allstate charges the highest premiums at roughly $2,449 annually.

A healthy credit score can help you get lower insurance rates. A driver with a bad credit score in Connecticut pays an average annual cost of $2,621 for their car insurance, which is $1,107 more than a typical driver pays.

On average, the least expensive car insurers in Connecticut for a driver with full coverage and poor credit are:

• GEICO: $1,496 per year
• Progressive: $1,782 per year

USAA, at $1,421 on average per year, offers the most affordable car insurance for drivers with bad credit. However, this coverage is exclusively for military families. Amica Mutual is the most expensive in the state at an average of $2,615 annually.

Drivers with bad credit pay an average of $1,514 more than those with good credit. Shopping around for rates may save you up to $1,119. Although a low credit score does not always mean that a person would be at high risk and fail to pay their premiums, it can suggest that they will find it difficult to do so in the midst of other debts. Therefore, people with bad credit typically pay higher insurance prices.

Improving your credit score should be your top priority. Although it takes time to improve your credit rating, perseverance and focus can pay off in aspects well beyond car insurance.

USAA offers the cheapest car insurance in Connecticut for veterans and active members of the military. USAA costs an average of $47 less per year than the second cheapest option, GEICO. USAA exclusively caters to drivers with a military background, so other drivers in Connecticut won’t be eligible for this policy.

Auto insurance rates in Connecticut may also vary depending on your location. For instance, Stamford residents pay an average of $1,124 per year for a full coverage policy. This is the cheapest in the state. Meanwhile, New Haven is the most expensive city, with an average rate of $1,469 per year.

Click on your city to learn more about auto insurance policies and rates in your area.

Every driver in Connecticut must carry liability insurance and adhere to certain state-mandated requirements.

Connecticut will accept either an insurance card or a Certificate of Liability Insurance as proof of insurance. If you are involved in an accident or a law enforcement officer requests to view one of these objects, you must produce one of them.

The minimum requirements for auto insurance in Connecticut include $25,000 in liability for injuries to one person, $50,000 in liability for injuries to multiple people in an accident, $25,000 in liability for damage to a car or other property and $20,000 to cover one person in case of a collision caused by an uninsured/underinsured driver.

In Connecticut, drivers who do not choose to purchase insurance from a firm may "self-insure." They must make a cash deposit or other financial arrangement to fulfill the aforementioned minimum liability amounts and obtain the state insurance commissioner's approval. Moreover, self-insured drivers who cause traffic accidents should hope that the damage or casualties are not too severe.

If you want cheap vehicle insurance in Connecticut, the minimum required coverage is ideal. However, it may not be adequate in the event of an accident. Experts in the insurance industry recommend a liability policy of $100,000/$300,000 for injuries, just to be safe. If your vehicle is relatively new, you should consider collision and comprehensive insurance.

Additionally, you might want to think about purchasing more uninsured motorist coverage than the bare minimum required. This protects you in the event of a hit-and-run as well as a collision with an uninsured driver.

Connecticut drivers often have questions about car insurance coverage and prices in their state. Here are the answers to some of these queries to help you make the right policy purchase decision.