The Cheapest Car Insurance in Connecticut (September 2023)

MoneyGeek found that GEICO is the cheapest car insurance company overall for nearly all types of drivers in Connecticut. But for drivers with DUIs or at-fault accidents, State Farm is the most affordable.

If you want to balance cost with service quality, compare the best car insurance companies in Connecticut.

Our analysis discovered that the cheapest car insurance companies in Connecticut for a minimum coverage policy are, on average:

• GEICO: $357 per year
• Kemper: $606 per year

Hanover offers the most expensive minimum coverage car insurance in Connecticut, at an average of $2,111 per year.

Connecticut’s minimum car insurance requirements include bodily injury liability, property damage liability and uninsured or underinsured motorist coverage.

Minimum coverage car insurance typically pays for the cost of damages or injuries you cause to others in an accident. It doesn’t cover damages to your own vehicle. If you want additional protection, consider getting comprehensive and collision insurance, also known as a full coverage policy.

In Connecticut, the cheapest policies with full coverage are from, on average:

• GEICO: $791 per year
• Kemper: $1,156 per year

Hanover offers the most expensive full coverage car insurance in the state, at approximately $4,098 annually.

Your premium can significantly increase when you add comprehensive and collision insurance to your policy. For instance, GEICO’s full coverage car insurance costs $434 more than its minimum coverage policy.

Getting full coverage car insurance is ideal if you want more financial protection in the event of an accident. It covers the cost of damages due to on-road and off-road incidents.

How much car insurance you need will affect your rates. Our sample full coverage policy includes liability insurance with the following limits:

• $100,000 bodily injury for each person
• $300,000 bodily injury for each accident
• $100,000 property damage per accident

If you are on a budget, you can adjust your liability limits or drop comprehensive and collision insurance. You may also raise your deductible. However, you may end up with insufficient coverage.

Many car insurance companies provide quotes online, but the process can take up to 15 minutes and requires submitting personal information. Furthermore, comparing rates across multiple insurers will require you to complete this process many times.

Our car insurance calculator can generate a quick estimate without requiring a substantial amount of personal information. This can help you determine a launching point as you search for the cheapest car insurance for your particular situation.

Car insurance rates in Connecticut are influenced largely by your age. GEICO offers the lowest prices on average for various age groups and family members.

On average, we found that the companies offering the cheapest car insurance for teens on their parent’s policy in Connecticut are:

• GEICO: $1,581 per year for male teens and $1,104 per year for female teens
• Kemper: $1,790 per year for male teens and Nationwide with $1,699 per year for female teens

In Connecticut, Progressive charges the most for male teens at around $3,045 per year. Allstate has the highest rate for female teens, at approximately $2,914 per year.

A teen's car insurance rates decrease with age. The car insurance provider with the lowest rate for 19-year-old males in Connecticut is GEICO ($1,356 per year).

These rates are for a 16-year-old on a parent’s policy. It’s typically cheaper to add a teen to your policy than to purchase separate insurance for them. For example, a 16-year-old male in Connecticut may pay around $6,862 per year for their own policy versus approximately $2,361 per year if they’re on a parent’s policy. This is a $4,501 difference.

Families looking to save on car insurance in Connecticut may earn discounts for young drivers. GEICO, Nationwide and Kemper offer discounts for students with good grades. Progressive, State Farm and Allstate have discounts for both students away from home and those with strong academic performance.

On average, the cheapest car insurance companies in Connecticut for drivers in their 20s are:

• GEICO: $1,007 per year
• Kemper: $1,356 per year

Hanover offers the most expensive car insurance for young adult drivers, at roughly $6,180 per year.

Meanwhile, 25-year-old drivers in Connecticut tend to pay around $216 more for insurance coverage from GEICO than their middle-aged counterparts.

In Connecticut, the following companies provide the cheapest car insurance for seniors, on average:

• GEICO: $778 per year
• Nationwide: $1,110 per year

At approximately $4,781 per year, Hanover has the least affordable policy for senior drivers.

Connecticut drivers in their 60s typically pay $13 less for car insurance from GEICO than middle-aged drivers. That said, rates often increase as drivers reach their 70s and 80s.

Senior drivers can take advantage of discounts from certain insurers. Allstate, GEICO and Kemper offer discounts to seniors looking to lower their insurance payments. Because age is just one of many factors used in determining rates, comparing different providers is the best way to find affordable car insurance.

Based on our analysis, GEICO offers the lowest car insurance rates for Connecticut drivers with a speeding ticket. State Farm is the cheapest provider for those with a DUI or an at-fault accident on their record.

GEICO also has the lowest rates for drivers with poor credit and for sports car owners.

On average, we found that the cheapest insurers for Connecticut drivers with speeding tickets are:

• GEICO: $918 per year
• Nationwide: $1,181 per year

Hanover charges the most for drivers with tickets at an average annual rate of $5,371.

Expect to pay around $325 more for car insurance after getting a speeding ticket in Connecticut.

The following companies offer the lowest average car insurance rates for drivers in Connecticut with an at-fault accident:

• GEICO: $1,147 per year
• State Farm: $1,36 per year

Hanover has the most expensive car insurance for drivers with an at-fault accident, at roughly $6,893 per year.

In Connecticut, anticipate your car insurance premium increasing by around $818 after an at-fault accident.

For drivers with a DUI on their record, the cheapest car insurance companies in Connecticut are, on average:

• State Farm: $1,367 per year
• Progressive: $1,582 per year

Hanover is the most expensive insurance provider, at an average of $24,200 per year.

Getting a DUI on your driving record may increase your car insurance premium by up to $3,546 in Connecticut.

On average, Connecticut drivers with poor credit may find that the cheapest options for car insurance are:

• GEICO: $1,230 per year
• Nationwide: $1,650 per year

For those with credit scores below 580, Hanover is the most expensive insurance provider at $426,521 per year.

Credit score plays a significant role in calculating rates. On average, Connecticut drivers with good credit (above 750) pay $1,615 a year for car insurance. If your credit score is not within this range, the premiums above show how important comparing companies is for getting the best rates.

Car insurance companies found that a lower credit score typically indicates an increased likelihood of filing claims, so they charge higher premiums. Connecticut is among the states that allow insurers to use credit scores when calculating rates.

You can reduce your premium by improving your credit score or finding insurers that offer low rates and common discounts.

If you drive a sports car, your cheapest options for car insurance in Connecticut are, on average:

• GEICO: $957 per year
• Kemper: $1,193 per year

At roughly $1,652 per year, Progressive is the most expensive car insurance provider.

Although sports cars generally require higher replacement and repair costs, insuring them is not always more expensive than a standard vehicle. For example, Connecticut drivers with a sports car pay around $281 less than those who drive a Toyota Camry.

Our analysis used a Ford Mustang as a sample sports car for the quotes above, but car insurance rates can differ based on the car model. Luxury cars, electric cars and sports cars are usually more expensive to insure than other model types. However, this may not always be the case in Connecticut.

According to our analysis, the cheapest car insurance company in Connecticut for active military members and veterans is GEICO, with an average annual premium of $791.

USAA is an worthwhile alternative at approximately $822 per year. This company exclusively offers affordable rates to those with a military background.

The cost of car insurance in Connecticut can vary widely based on various factors, including where you live. You may pay more for coverage if you live in a neighborhood with higher rates of theft, vandalism or accidents because of the likelihood of filing claims.

Our study discovered that Stamford has the cheapest car insurance in Connecticut, offered by GEICO at roughly $798 per year. This is followed by New Haven, where GEICO is also the least expensive option at about $1,103 per year.

The most expensive city in Connecticut for car insurance is Bridgeport, where a full coverage policy from GEICO costs an average of $1,163 per year.

Browse our list of Connecticut cities to see how car insurance rates change based on location.

Most states require bodily injury liability and property damage liability coverage. Beyond that, Connecticut requires uninsured/underinsured motorist coverage.

In Connecticut, you only have to meet the minimum requirements for bodily injury liability, property damage liability and uninsured or underinsured motorist coverage. Although buying a policy with minimum coverage is ideal if you’re on a budget, it may not offer adequate protection in case of an accident.

Connecticut also requires drivers to carry SR-22 insurance for driving without insurance, driving under the influence, driving with a suspended license or reckless driving.

For broader protection, we recommend increasing bodily injury liability coverage to $100,000 per person and $300,000 per accident and property damage coverage to $100,000. You might need to purchase comprehensive and collision insurance if you financed your car purchase.

Comprehensive insurance helps pay for the repairs if your vehicle sustains damage due to natural disasters, animals, vandalism or fire. Collision insurance covers your car if it gets damaged after colliding with another vehicle or an object.

Although optional, comprehensive and collision insurance could be worth it if you have a valuable car.

Connecticut drivers who choose not to purchase auto insurance from a provider may self-insure. Essentially, you will be responsible for protecting your vehicle. This includes covering the cost of medical treatments or repairs to damaged vehicles in case of an accident.

In addition, if you don’t own a car but need car insurance, you can opt for non-owner car insurance options in the state.

When looking for car insurance, you may have questions about cost and service quality. We addressed some frequently asked questions to help you learn more about car insurance in Connecticut.