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MoneyGeek found that GEICO is the cheapest car insurance company for minimum and full coverage in Connecticut. It also offers the lowest rates for teens, seniors, military families, drivers with poor credit, drivers with sports cars and those with speeding tickets. State Farm is the most affordable provider for drivers with DUIs.

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

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2023

Cheapest Car Insurance Connecticut (April 2023)

Cheapest Minimum Liability Car Insurance in Connecticut (April 2023)

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

  • GEICO: $338 per year
  • Amica Mutual: $458 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.

Company
Annual Premium
Monthly Premium

GEICO

$338

$28

GEICO

$345

$29

GEICO

$427

$36

Amica Mutual

$450

$37

Amica Mutual

$458

$38

State Farm

$459

$38

State Farm

$482

$40

Amica Mutual

$502

$42

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.

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Cheapest Full Coverage Car Insurance in Connecticut (April 2023)

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

  • GEICO: $730 per year
  • Amica Mutual: $900 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 $392 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.

Company
Annual Premium
Monthly Premium

GEICO

$338

$28

GEICO

$345

$29

GEICO

$427

$36

Amica Mutual

$450

$37

Amica Mutual

$458

$38

State Farm

$459

$38

State Farm

$482

$40

Amica Mutual

$502

$42

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.

How to Compare Cheap Connecticut Car Insurance Quotes Online

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.

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Cheapest Car Insurance in Connecticut for Teens and Their Families (April 2023)

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.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

GEICO

$342

$832

GEICO

$409

$995

GEICO

$441

$1,075

GEICO

$476

$3,136

GEICO

$516

$3,399

GEICO

$578

$1,408

GEICO

$603

$3,300

GEICO

$662

$928

GEICO

$694

$973

GEICO

$702

$3,845

State Farm

$706

$1,074

GEICO

$782

$1,567

State Farm

$782

$1,191

Kemper

$841

$1,262

State Farm

$854

$1,300

GEICO

$882

$1,237

Kemper

$899

$1,192

Nationwide

$921

$1,326

Nationwide

$930

$1,231

GEICO

$939

$1,882

GEICO

$946

$1,524

State Farm

$950

$1,446

GEICO

$1,009

$2,023

GEICO

$1,015

$1,424

Nationwide

$1,043

$1,379

Nationwide

$1,089

$1,569

GEICO

$1,104

$7,267

Nationwide

$1,106

$1,463

Nationwide

$1,108

$3,139

Nationwide

$1,108

$3,139

Nationwide

$1,113

$1,866

Kemper

$1,125

$1,939

Nationwide

$1,136

$2,167

Nationwide

$1,156

$1,665

Kemper

$1,164

$2,364

State Farm

$1,168

$1,197

Kemper

$1,169

$1,754

Kemper

$1,193

$1,581

Kemper

$1,194

$1,582

Kemper

$1,235

$1,853

GEICO

$1,237

$1,992

Nationwide

$1,254

$4,020

Nationwide

$1,254

$4,020

Kemper

$1,304

$2,248

State Farm

$1,313

$1,345

Kemper

$1,314

$3,005

Nationwide

$1,318

$1,743

Kemper

$1,319

$1,748

State Farm

$1,343

$1,568

GEICO

$1,356

$2,184

Kemper

$1,385

$2,813

Kemper

$1,392

$2,089

Nationwide

$1,395

$2,009

Nationwide

$1,413

$2,368

Kemper

$1,454

$2,506

State Farm

$1,454

$1,490

Progressive

$1,471

$1,474

Allstate

$1,476

$2,114

Allstate

$1,476

$2,114

Progressive

$1,507

$1,434

Allstate

$1,522

$4,661

Allstate

$1,522

$4,661

Nationwide

$1,529

$2,916

State Farm

$1,541

$1,799

Kemper

$1,555

$3,558

Kemper

$1,567

$3,184

GEICO

$1,581

$8,657

Nationwide

$1,587

$2,660

Progressive

$1,587

$2,037

State Farm

$1,611

$1,874

Kemper

$1,617

$3,548

Allstate

$1,627

$1,594

Allstate

$1,627

$1,594

State Farm

$1,647

$1,688

Progressive

$1,681

$1,600

Nationwide

$1,699

$4,811

Progressive

$1,699

$1,704

Allstate

$1,710

$1,676

Allstate

$1,710

$1,676

Kemper

$1,711

$3,928

Kemper

$1,735

$3,815

State Farm

$1,741

$2,032

State Farm

$1,754

$2,324

Kemper

$1,790

$3,938

Progressive

$1,793

$1,706

Allstate

$1,803

$1,767

Allstate

$1,803

$1,767

Nationwide

$1,807

$3,447

Progressive

$1,821

$2,356

Allstate

$1,825

$2,614

Allstate

$1,825

$2,614

Progressive

$1,861

$1,866

Progressive

$1,862

$5,889

State Farm

$1,890

$2,199

Allstate

$1,909

$1,871

Allstate

$1,909

$1,871

Nationwide

$1,945

$6,235

Progressive

$1,992

$2,557

Progressive

$1,999

$1,902

State Farm

$2,007

$2,660

Progressive

$2,071

$2,076

Progressive

$2,095

$6,631

Allstate

$2,119

$3,035

Allstate

$2,119

$3,035

Allstate

$2,128

$6,516

Allstate

$2,128

$6,516

State Farm

$2,168

$2,521

State Farm

$2,207

$2,889

Progressive

$2,210

$2,836

Progressive

$2,257

$7,137

State Farm

$2,290

$3,035

Progressive

$2,293

$2,966

Progressive

$2,477

$7,837

State Farm

$2,530

$3,312

Progressive

$2,550

$3,298

Progressive

$2,777

$8,782

State Farm

$2,890

$3,783

Allstate

$2,914

$8,921

Allstate

$2,914

$8,921

Progressive

$3,045

$9,634

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

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.

Cheapest Car Insurance in Connecticut for Young Adults (April 2023)

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

  • GEICO: $928 per year
  • Amica Mutual: $992 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 $198 more for insurance coverage from GEICO than their middle-aged counterparts.

Company
Annual Premium
Monthly Premium

GEICO

$338

$28

GEICO

$345

$29

GEICO

$427

$36

Amica Mutual

$450

$37

Amica Mutual

$458

$38

State Farm

$459

$38

State Farm

$482

$40

Amica Mutual

$502

$42

Cheapest Car Insurance in Connecticut for Seniors (April 2023)

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

  • GEICO: $721 per year
  • Amica Mutual: $886 per year

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

Connecticut drivers in their 60s typically pay $9 less for car insurance from GEICO than middle-aged drivers. That said, rates often increase as drivers reach their 70s and 80s.

Company
Annual Premium
Monthly Premium

GEICO

$338

$28

GEICO

$345

$29

GEICO

$427

$36

Amica Mutual

$450

$37

Amica Mutual

$458

$38

State Farm

$459

$38

State Farm

$482

$40

Amica Mutual

$502

$42

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.

Cheapest Car Insurance in Connecticut After a Ticket, Accident or DUI (April 2023)

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

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: GEICO ($848 per year)
Cheapest after an accident: GEICO ($1,057 per year)
Cheapest after a DUI: State Farm ($1,077 per year)

Cheapest Car Insurance in Connecticut After a Ticket

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

  • GEICO: $848 per year
  • State Farm: $1,077 per year

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

Expect to pay around $295 more for car insurance after getting a speeding ticket in Connecticut.

Company
Annual Premium
Monthly Premium

GEICO

$390

$33

GEICO

$399

$33

GEICO

$472

$39

State Farm

$516

$43

State Farm

$544

$45

Amica Mutual

$547

$46

Amica Mutual

$554

$46

Amica Mutual

$599

$50

Cheapest Car Insurance in Connecticut After an Accident

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

  • GEICO: $1,057 per year
  • State Farm: $1,077 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 $765 after an at-fault accident.

Company
Annual Premium
Monthly Premium

GEICO

$491

$41

State Farm

$516

$43

GEICO

$517

$43

State Farm

$544

$45

Amica Mutual

$561

$47

Amica Mutual

$568

$47

GEICO

$612

$51

Amica Mutual

$614

$51

Cheapest Car Insurance in Connecticut After a DUI

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

  • State Farm: $1,077 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 $3,329 in Connecticut.

Company
Annual Premium
Monthly Premium

State Farm

$516

$43

State Farm

$544

$45

State Farm

$646

$54

Progressive

$841

$70

Progressive

$889

$74

Progressive

$898

$75

Allstate

$929

$77

Allstate

$952

$79

Cheapest Car Insurance in Connecticut for Drivers With Poor Credit (April 2023)

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

  • GEICO: $1,135 per year
  • Kemper: $1,500 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 $1,452 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.

Company
Annual Premium
Monthly Premium

GEICO

$521

$43

GEICO

$533

$44

GEICO

$661

$55

Kemper

$749

$62

Kemper

$779

$65

Nationwide

$807

$67

Amica Mutual

$829

$69

Nationwide

$841

$70

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.

Cheapest Car Insurance in Connecticut for Sports Cars (April 2023)

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

  • GEICO: $866 per year
  • Kemper: $1,078 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 $232 less than those who drive a Toyota Camry.

Company
Annual Premium
Monthly Premium

GEICO

$338

$28

GEICO

$345

$29

GEICO

$427

$36

Amica Mutual

$450

$37

Amica Mutual

$458

$38

State Farm

$459

$38

State Farm

$482

$40

Amica Mutual

$502

$42

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.

Cheapest Car Insurance in Connecticut for Military Drivers (April 2023)

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 $730.

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

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MoneyGeek Top Pick
GEICO
  • $730 per year
  • Ranks first out of nine insurance companies for affordability

GEICO offers a discount for active duty and retired military members. It also offers an emergency deployment discount. Beyond that, it has discounts for bundling, completing a defensive driving course or a driver’s education course, having an anti-theft system or airbag or insuring multiple cars to help reduce the cost of car insurance. You may also earn a discount for being a good student or remaining accident-free for five years.

Cheapest Car Insurance in Connecticut by City

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 $728 per year. This is followed by Hartford, where GEICO is also the least expensive option at about $1,037 per year.

The most expensive city in Connecticut for car insurance is Bridgeport, where a full coverage policy from GEICO costs an average of $1,091 per year.

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

City
Cheapest Company
Annual Premium

Bridgeport

GEICO

$1,091

Hartford

GEICO

$1,037

New Haven

GEICO

$1,038

Stamford

GEICO

$728

Waterbury

Amica Mutual

$1,064

Car Insurance in Connecticut: What You Need to Know

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

Connecticut Car Insurance Requirements

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.

  • male icon

    Bodily Injury Liability

    Connecticut requires drivers to carry $25,000 in bodily injury for each person and $50,000 in bodily injury for each accident. If you cause injuries to someone else in an accident, this will cover the medical costs up to your liability limit. You will have to pay out of pocket for the remaining balance.

  • accident2 icon

    Property Damage Liability

    In Connecticut, minimum coverage policies have $25,000 in property damage. If you cause damage to someone else’s property in the event of an accident, this will cover repairs up to $25,000. Repairs that exceed this limit will require you to shoulder the remaining costs.

  • carInsurance icon

    Uninsured/Underinsured Motorist Coverage

    Connecticut drivers should have at least $25,000 in bodily injury per person for uninsured/underinsured motorists and $50,000 in bodily injury per accident if you are in an accident with an uninsured or underinsured motorist. These limits may not be adequate in this type of accident, and you may have to pay out of pocket.

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.

Car Insurance Alternatives in Connecticut

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.

FAQs About Car Insurance in Connecticut

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.

Expert Advice on Finding Cheap Car Insurance in Connecticut

To help you find credible and accurate insight on car insurance in Connecticut, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Connecticut should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Connecticut take to find affordable car insurance?
Dr. Jose Mendoza
Dr. Jose Mendoza

Assistant Professor in Marketing, Jack Welch College of Business & Technology at Sacred Heart University

Ben Brewer
Ben Brewer

Assistant Professor of Economics at the University of Hartford

Kimberly Flynn
Kimberly Flynn

Financial Advisor at Thrivepoint Financial

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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