The Cheapest Car Insurance in Connecticut (June 2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
Contributions by3 experts
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byJlyne Ubina
Contributions by3 experts
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Updated: June 14, 2024

Advertising & Editorial Disclosure

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.

Why Trust MoneyGeek? Our study collected and analyzed Connecticut car insurance rates from the Connecticut Insurance Department and Quadrant Information Services.

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These rates reflect the cheapest car insurance quotes in Connecticut as of June 2024.

29,556Quotes Analyzed
 
9Companies Compared
 
47ZIP Codes

Cheapest Minimum Liability Car Insurance in Connecticut (June 2024)

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.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Minimum Coverage
GEICOAnnual Premium$435Monthly Premium$36
KemperAnnual Premium$606Monthly Premium$50
NationwideAnnual Premium$715Monthly Premium$60
State FarmAnnual Premium$728Monthly Premium$61
ProgressiveAnnual Premium$760Monthly Premium$63
Amica MutualAnnual Premium$845Monthly Premium$70
AllstateAnnual Premium$1,017Monthly Premium$85
HanoverAnnual Premium$2,292Monthly Premium$191

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.

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Find the Best Car Insurance in Connecticut for You

 

Your preferences and insurance requirements significantly affect your auto insurance rates. The table above presents the cheapest quotes for minimum coverage in Connecticut.

Learn more about how much car insurance you need.

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We evaluated the best car insurance companies in Connecticut that balance affordability and quality service.

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Our analysis of the average cost of car insurance in Connecticut for different driver profiles shows how rates change based on certain factors.

Cheapest Full Coverage Car Insurance in Connecticut (June 2024)

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.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$948Monthly Premium$79
KemperAnnual Premium$1,156Monthly Premium$96
NationwideAnnual Premium$1,310Monthly Premium$109
ProgressiveAnnual Premium$1,393Monthly Premium$116
State FarmAnnual Premium$1,429Monthly Premium$119
Amica MutualAnnual Premium$1,715Monthly Premium$143
AllstateAnnual Premium$1,793Monthly Premium$149
HanoverAnnual Premium$4,571Monthly Premium$381

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.

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 23, 2024

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Cheapest Car Insurance in Connecticut by Age (June 2024)

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.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: GEICO
Cheapest for young adults: GEICO
Cheapest for seniors: GEICO

Cheapest Car Insurance in Connecticut for Teens and Their Families (June 2024)

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.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
GEICOFamily Plan Annual Premium$1,104Individual Plan Annual Premium$7,267
NationwideFamily Plan Annual Premium$1,699Individual Plan Annual Premium$4,811
KemperFamily Plan Annual Premium$1,711Individual Plan Annual Premium$3,928
State FarmFamily Plan Annual Premium$2,290Individual Plan Annual Premium$3,035
ProgressiveFamily Plan Annual Premium$2,777Individual Plan Annual Premium$8,782
AllstateFamily Plan Annual Premium$2,914Individual Plan Annual Premium$8,921
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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 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.

Cheapest Car Insurance in Connecticut for Young Adults (June 2024)

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.

Data filtered by:Results filtered by:
Age Range:
Age Range:22-29
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$1,209Monthly Premium$101
KemperAnnual Premium$1,356Monthly Premium$113
NationwideAnnual Premium$1,491Monthly Premium$124
ProgressiveAnnual Premium$1,539Monthly Premium$128
State FarmAnnual Premium$1,759Monthly Premium$147
Amica MutualAnnual Premium$1,888Monthly Premium$157
AllstateAnnual Premium$2,222Monthly Premium$185
HanoverAnnual Premium$6,778Monthly Premium$565

Cheapest Car Insurance in Connecticut for Seniors (June 2024)

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.

Data filtered by:Results filtered by:
Age Range:
Age Range:60 +
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$931Monthly Premium$78
NationwideAnnual Premium$1,179Monthly Premium$98
KemperAnnual Premium$1,205Monthly Premium$100
ProgressiveAnnual Premium$1,335Monthly Premium$111
State FarmAnnual Premium$1,342Monthly Premium$112
Amica MutualAnnual Premium$1,689Monthly Premium$141
AllstateAnnual Premium$1,734Monthly Premium$145
HanoverAnnual Premium$5,298Monthly Premium$441

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.

Cheapest Car Insurance for Higher Risk Drivers (June 2024)

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.

CHEAPEST CAR INSURANCE FOR HIGHER RISK DRIVERS

Cheapest after a ticket: GEICO ($1,099 per year)
Cheapest after an accident: GEICO ($1,374 per year)
Cheapest after a DUI: Progressive ($1,582 per year)
Cheapest for poor credit: GEICO ($1,472 per year)
Cheapest for sports cars: GEICO ($1,149 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: $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.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$1,099Monthly Premium$92
NationwideAnnual Premium$1,261Monthly Premium$105
KemperAnnual Premium$1,590Monthly Premium$132
State FarmAnnual Premium$1,598Monthly Premium$133
ProgressiveAnnual Premium$1,713Monthly Premium$143
AllstateAnnual Premium$1,793Monthly Premium$149
Amica MutualAnnual Premium$2,086Monthly Premium$174
HanoverAnnual Premium$5,966Monthly Premium$497

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: $1,374 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.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$1,374Monthly Premium$115
State FarmAnnual Premium$1,598Monthly Premium$133
KemperAnnual Premium$1,761Monthly Premium$147
NationwideAnnual Premium$1,950Monthly Premium$163
Amica MutualAnnual Premium$2,140Monthly Premium$178
ProgressiveAnnual Premium$2,143Monthly Premium$179
AllstateAnnual Premium$2,942Monthly Premium$245
HanoverAnnual Premium$7,642Monthly Premium$637
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MONEYGEEK EXPERT TIP

You can avoid an increase in your car insurance premium after your first at-fault accident by including accident forgiveness coverage on your policy. Your premium will not go up if you have this optional coverage. It's available from many companies in Connecticut, and some award it for safe driving habits, such as GEICO. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

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:

  • 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.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
ProgressiveAnnual Premium$1,582Monthly Premium$132
State FarmAnnual Premium$1,598Monthly Premium$133
NationwideAnnual Premium$2,354Monthly Premium$196
AllstateAnnual Premium$2,525Monthly Premium$210
KemperAnnual Premium$2,788Monthly Premium$232
GEICOAnnual Premium$3,057Monthly Premium$255
Amica MutualAnnual Premium$4,949Monthly Premium$412
HanoverAnnual Premium$26,690Monthly Premium$2,224

Cheapest Car Insurance in Connecticut for Drivers With Poor Credit (June 2024)

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.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$1,472Monthly Premium$123
KemperAnnual Premium$1,678Monthly Premium$140
NationwideAnnual Premium$1,780Monthly Premium$148
ProgressiveAnnual Premium$2,011Monthly Premium$168
State FarmAnnual Premium$2,832Monthly Premium$236
AllstateAnnual Premium$2,966Monthly Premium$247
Amica MutualAnnual Premium$3,243Monthly Premium$270
HanoverAnnual Premium$483,263Monthly Premium$40,272

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.

Cheapest Car Insurance in Connecticut for Sports Cars (June 2024)

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.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
GEICOAnnual Premium$1,149Monthly Premium$96
KemperAnnual Premium$1,193Monthly Premium$99
NationwideAnnual Premium$1,446Monthly Premium$120
ProgressiveAnnual Premium$1,652Monthly Premium$138
State FarmAnnual Premium$1,685Monthly Premium$140
AllstateAnnual Premium$1,727Monthly Premium$144

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 (June 2024)

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.

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MoneyGeek Top Pick
GEICO
  • $948 per year

GEICO offers a military discount for active duty and retired military members.

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 $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.

BridgeportCheapest CompanyGEICOAnnual Premium$1,386
HartfordCheapest CompanyGEICOAnnual Premium$1,313
New HavenCheapest CompanyGEICOAnnual Premium$1,308
StamfordCheapest CompanyGEICOAnnual Premium$965
WaterburyCheapest CompanyKemperAnnual Premium$1,318

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/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.

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    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.

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    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.

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    Uninsured/Underinsured Motorist Coverage

    Connecticut drivers must have at least $25,000 in bodily injury per person for uninsured/underinsured motorists and $50,000 in bodily injury per accident if they are in an accident with an uninsured or underinsured motorist. Uninsured motorist also covers hit-and-runs. 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 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.

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.

FAQ 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.

Which company offers the cheapest car insurance in Connecticut?
Should you buy the cheapest car insurance available 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?
Ben Brewer
Ben BrewerAssistant Professor of Economics at the University of Hartford
Kimberly Flynn
Kimberly FlynnFinancial Advisor at Thrivepoint Financial
Dr. Jose Mendoza
Dr. Jose MendozaAssistant Professor in Marketing, Jack Welch College of Business & Technology at Sacred Heart University

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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