The Cheapest Car Insurance in Connecticut (June 2024)

MoneyGeek found that GEICO is the cheapest car insurance company overall for nearly all types of drivers in Connecticut. But for drivers with a DUI, Progressive 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: $435 per year
• Kemper: $606 per year

Hanover offers the most expensive minimum coverage car insurance in Connecticut, at an average of $2,292 per year.

Connecticut’s minimum car insurance requirements include bodily injury liability, property damage liability and uninsured/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 a full coverage policy that includes comprehensive and collision insurance.

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

• GEICO: $948 per year
• Kemper: $1,156 per year

Hanover offers the most expensive full coverage car insurance in the state, at approximately $4,571 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 $513 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 for comprehensive, collision or both. 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: $1,104 per year for female teens and $1,581 per year for male teens
• Nationwide: $1,699 per year for female teens and $1,945 per year for male 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, and teens under 18 cannot legally get auto insurance without a parent or guardian's permission. 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 and Nationwide 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: $1,209 per year
• Kemper: $1,356 per year

Hanover offers the most expensive car insurance for young adult drivers, at roughly $6,778 per year.

In Connecticut, 25-year-old drivers tend to pay around $491 more for insurance coverage than their middle-aged counterparts.

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

• GEICO: $931 per year
• Nationwide: $1,179 per year

At approximately $5,298 per year, Hanover has the least affordable policy for senior drivers.

Connecticut drivers in their 60s typically pay $50 more for car insurance 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 and GEICO 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 drivers in Connecticut with a speeding ticket, an at-fault accident and those who drive sports cars. Progressive is the most affordable provider for those with a DUI. Rates generally increase after violations.

For people with poor credit, GEICO is also the cheapest provider.

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

• GEICO: $1,099 per year
• Nationwide: $1,261 per year

Hanover charges the most for drivers with tickets at an average annual rate of $5,966. Expect to pay around $349 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: $1,374 per year
• State Farm: $1,598 per year

Hanover has the most expensive car insurance for drivers with an at-fault accident, at roughly $7,642 per year. In Connecticut, anticipate your car insurance premium increasing by around $904 after an at-fault accident.

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

• Progressive: $1,582 per year
• State Farm: $1,598 per year

Hanover is the most expensive insurance provider, at an average of $26,690 per year. Getting a DUI on your driving record can increase your car insurance premium by up to $3,903 in Connecticut.

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

• GEICO: $1,472 per year
• Kemper: $1,678 per year

For those with credit scores below 580, Hanover is the most expensive insurance provider at $483,263 per year.

Credit score plays a significant role in calculating rates. On average, Connecticut drivers with good credit (above 750) pay $60,616 a year for car insurance. If your credit score is not within this range, the premiums above show how important comparing 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 history 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: $1,149 per year
• Kemper: $1,193 per year

At roughly $1,727 per year, Allstate 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 $314 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-duty military members and veterans is GEICO, with an average annual premium of $948.

USAA is a worthwhile alternative at approximately $1,002 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 $965 per year. This is followed by New Haven, where GEICO is also the least expensive option at about $1,308 per year.

The most expensive city in Connecticut for car insurance is Bridgeport, where a full coverage policy from GEICO costs an average of $1,386 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/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 or lease a vehicle.

Comprehensive insurance helps pay for the repairs if your vehicle sustains damage due to severe weather hazards, theft, vandalism, fire and striking an animal, such as a deer. Collision insurance covers your car if it gets damaged after colliding with another vehicle or an object, such as a tree, fence or light pole. Collision also covers rollover accidents and pothole damage.

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.