Cheapest Low-Income Car Insurance in Connecticut

GEICO dominates Connecticut's low-income insurance market with the most competitive minimum coverage rates across nearly all driver profiles, charging adults just $40 monthly, seniors $41, young drivers $51, those with speeding tickets $46, accident history $58, and bad credit $62. State Farm takes over for the most expensive category, offering DUI drivers coverage at $101 per month, significantly higher than GEICO's typical rates for other violations. 

Connecticut ranks 47th nationally in affordability, with average minimum coverage costing $85 monthly compared to the $53 national average, placing it $32 above typical costs and tying with Florida as one of the nation's pricier states. Rates across the country vary from Wyoming's $22 monthly average to New York's $121, creating a $99 nationwide spread, while Connecticut's internal market shows a dramatic $154 gap between its cheapest provider at $37 and most expensive at $191 for the same driver profile. Connecticut drivers pay substantially more than most Americans for basic liability coverage, with only New York, Delaware, Nevada, and Florida ranking as more expensive states.*

*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.

GEICO secures Connecticut's most affordable family coverage across all household types, charging married couples without teens just $34 monthly, couples with teens $54, and single parents with teens $156 per month. Connecticut ranks 32nd nationally for family insurance costs, with married couples with teens paying an average of $89 monthly compared to the $83 national average, while rates nationwide span from Wyoming's $39 to Florida's $164, creating a $125 difference between cheapest and most expensive states. 

Adding a teenage driver to a Connecticut family policy increases costs by roughly $20 for married couples using GEICO, jumping from $34 to $54, though provider selection matters significantly as rates range from GEICO's $54 to Progressive's $118 for the same household. Single-parent families face substantially higher premiums at $156 through GEICO compared to $54 for married couples with teens, a $102 monthly gap reflecting the increased risk profile, with costs potentially reaching $265 through Progressive. Connecticut families benefit from GEICO's competitive positioning, though the state sits slightly above the national baseline for typical family coverage costs.*

*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.

Drivers in Connecticut must meet these minimum car insurance requirements: 

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 in property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident

If you're leasing or financing a car, you'll need liability coverage of 100/300/100 and comprehensive and collision protection.

GEICO offers the cheapest car insurance for most low-income drivers in Connecticut. High-risk drivers can find affordable options with GEICO for speeding tickets and accidents or with State Farm for DUIs. We recommend using these rates and comparing other providers to find the best rates for you.

Affordable car insurance can be hard to find for low-income drivers. Here are answers to common questions on saving money.

Study Overview

MoneyGeek examined car insurance costs in Connecticut, using data from the state's Insurance Department and Quadrant Information Services.

Data Acquisition, Depth and Analysis

We analyzed 328,384 quotes from 14 companies in 370 ZIP codes. This helped us find the average cost of car insurance for low-income drivers in the state.

Sample Driver Profile

We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Connecticut:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

We also considered other factors, such as age, family status, driving history and credit score, to determine rates for specific driver profiles.

Our study uses age groups like seniors (60 and older), young drivers (22 to 29) and adults (30 to 59). For families, we looked at married couples with a child and single parents with a teen.

Coverage Levels and Deductibles

Our data includes rates for minimum coverage. This follows Connecticut's laws and offers affordable options for low-income drivers.