The Cheapest Car Insurance in Connecticut for 2022
GEICO offers the cheapest car insurance in Connecticut at an average rate of $491 per year for liability-only insurance.
MoneyGeek reviewed car insurance rates in Connecticut to discover the cheapest rates for various driver profiles. State Farm is the most affordable option for drivers with tickets, whereas Progressive is preferable for drivers with a DUI violation. Ultimately, comparing quotes can save Connecticut drivers roughly $723 per year on insurance.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
The Cheapest Car Insurance in Connecticut
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.
Why Trust MoneyGeek? Connecticut car insurance rates in this study are based on our analysis of data and information from the Connecticut Department of Insurance and Quadrant Information Services.
These rates were updated in September 2022 to reflect how car insurance rates in Connecticut have changed up to this month.
Cheapest Minimum Liability Car Insurance in Connecticut
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.
CHEAPEST MINIMUM CAR INSURANCE IN CONNECTICUT
These prices are only estimates based on rates for an average Connecticut driver and should not be used to compare insurance prices.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Cheapest Full Coverage Car Insurance in Connecticut
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.
CHEAPEST FULL COVERAGE CAR INSURANCE IN CONNECTICUT
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.
How to Compare Cheap Connecticut Car Insurance Quotes Online
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.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Cheapest Car Insurance in Connecticut for Young Drivers
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.
ANNUAL CAR INSURANCE IN CONNECTICUT FOR YOUNG DRIVERS
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.
Cheapest Car Insurance in Connecticut for Seniors
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.
CHEAPEST CAR INSURANCE RATES FOR SENIORS
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.
Cheapest Car Insurance for Drivers With Tickets in Connecticut
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.
AVERAGE CAR INSURANCE RATES WITH A TICKET
Tickets, whether for speeding or distracted driving, can cause insurance rates to increase substantially. The National Highway Traffic Safety Administration (NHTSA) found that 276 crashes in Connecticut during 2018 were the result of distracted driving. Distracted driving can cost far more than higher insurance premiums, making it critical for drivers to stay focused behind the wheel. The following table looks at the average cost of insurance per month for Connecticut drivers with a ticket on their record.
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.
Cheapest Car Insurance for Drivers With a DUI in Connecticut
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.
AVERAGE CAR INSURANCE RATES 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.
Cheapest in Connecticut for Drivers With an At-Fault Accident
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.
CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT
Cheapest Car Insurance in Connecticut for Drivers With Bad Credit
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.
CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT
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.
Cheapest Car Insurance in Connecticut for Military Drivers
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.
- Average rate: $444 per year
- Ranks first out of eight insurers
You can also save money on your car insurance premiums with the various discounts offered by USAA. If you insure more than one car, you will be eligible for a multiple car discount, and bundling car insurance with homeowners coverage may also earn you a discount. USAA also offers discounts for taking an approved defensive driving or safe driving course, being a loyal customer and storing your car long-term on base, among other discounts.
Cheapest Car Insurance in Connecticut by City
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.
AVERAGE INSURANCE RATE BY CITY IN CONNECTICUT
Car Insurance in Connecticut: What You Need to Know
Every driver in Connecticut must carry liability insurance and adhere to certain state-mandated requirements.
Connecticut Insurance 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.
FAQs About Car Insurance in Connecticut
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.
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.
- What are the key factors drivers in Connecticut should look for when searching for the best auto insurance coverage?
- What steps can drivers in Connecticut take to find affordable car insurance?
Assistant Professor in Marketing, Jack Welch College of Business & Technology at Sacred Heart University
Assistant Professor of Economics at the University of Hartford
Financial Advisor at Thrivepoint Financial
About the Author
- Centers for Disease Control. "Sobering Facts: Alcohol-Impaired Driving State Fact Sheets." Accessed December 15, 2020.
- Defense Manpower Data Center. "Military and Civilian Personnel by Service/Agency by State/Country." Accessed March 1, 2020.
- Experian. "2019 Consumer Credit Review." Accessed March 1, 2020.
- Experian. "Why Do Car Insurance Companies Base Their Rates on Credit Scores?." Accessed March 1, 2020.
- Insurance Information Institute. "Auto Rate Setting." Accessed March 1, 2020.
- National Highway Traffic Safety Administration (NHTSA). "Fatality Analysis Reporting Center Data." Accessed March 1, 2020.
- Progressive. "Do speeding tickets and other violations affect insurance rates?." Accessed March 1, 2020.
- State of Connecticut DMV. "Two-Year Photo License Renewal for Individuals 65 or Over." Accessed March 1, 2020.