GEICO leads Connecticut with the lowest rates, charging $34 monthly for minimum coverage and $75 for full coverage. Drivers save $68 each month, a 56% reduction from state averages. Get quotes from Kemper, Amica, State Farm and Allstate too.
Cheapest Car Insurance in Connecticut
Updated: August 19, 2025
Advertising & Editorial Disclosure
Key Takeaways
GEICO, Kemper and Amica are the cheapest car insurance companies for most Connecticut drivers, with average savings of up to 56%.
Car insurance costs can be as low as $34 monthly for minimum coverage and $75 for full coverage policies on average in Connecticut.
To get the cheapest car insurance in Connecticut, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Connecticut?
| Geico | $34 | $75 | -56% |
| Kemper | $65 | $117 | -26% |
| Amica | $62 | $131 | -21% |
| State Farm | $79 | $157 | -3% |
| Allstate | $87 | $172 | 6% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN CONNECTICUT
We've created additional guides below to help you in your search for the best and cheapest car insurance in Connecticut:
Best Car Insurance Rates by Category in Connecticut
GEICO offers the cheapest rates for 9 out of our 10 driver categories in Connecticut, while State Farm provides the most affordable rates for drivers with DUIs. Find your specific rates in the table:
| Young Drivers | Geico | $120 |
| Adult Drivers | Geico | $35 |
| Senior Drivers | Geico | $50 |
| Drivers With An Accident | Geico | $47 |
| Drivers With A DUI | State Farm | $86 |
| Drivers With A Speeding Ticket | Geico | $39 |
| Drivers With Bad Credit | Geico | $83 |
| Drivers With Low Income | Geico | $55 |
| Drivers With Newer Cars | Geico | $37 |
| Drivers With Old Cars | Geico | $30 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Connecticut for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, GEICO offers the lowest rates at $198 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Geico | $209 | $2,509 | -38% |
| Nationwide | $304 | $3,644 | -10% |
| Amica | $346 | $4,150 | 2% |
| State Farm | $342 | $4,108 | 1% |
| Kemper | $342 | $4,100 | 1% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Connecticut by City
Where you live in Connecticut affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $29 in Groton but $52 in Bridgeport. Here are the cheapest providers for every Connecticut city.
Data filtered by:Results filtered by:
Select
City:Abington
| Abington | Geico | $31 | -56% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Connecticut By Driver Age Group
We analyzed car insurance rates across Connecticut for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can find the lowest rates with Geico starting at $120 per month
- Adult drivers get the best deals from Geico with rates from $35 per month
- Senior drivers see the most affordable coverage through Geico starting at $50 per month
Cheapest Car Insurance For Young Drivers in Connecticut
GEICO offers Connecticut's lowest rates for young drivers. Minimum coverage costs $120 per month, saving drivers 52% compared to other providers. GEICO also leads for full coverage at $263 monthly, saving young drivers 38%.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Amica | $777 | $9,329 | -19% |
| Geico | $724 | $8,693 | -24% |
| State Farm | $828 | $9,936 | -14% |
| Allstate | $951 | $11,417 | -1% |
| Nationwide | $962 | $11,541 | 0% |
Cheapest Car Insurance For Adult Drivers in Connecticut
GEICO offers Connecticut's lowest rates for adult drivers: $35 monthly for minimum coverage and $76 for full coverage.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Geico | $209 | $2,509 | -38% |
| Nationwide | $304 | $3,644 | -10% |
| Amica | $346 | $4,150 | 2% |
| State Farm | $342 | $4,108 | 1% |
| Kemper | $342 | $4,100 | 1% |
Cheapest Car Insurance For Senior Drivers in Connecticut
GEICO offers Connecticut seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,235 annually, while minimum coverage runs $606 per year.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:
Select
Credit Alignment:
Select
Driving Record:
| Farmers | $497 | $5,968 | 0.10 |
| Geico | $268 | $3,217 | -0.41 |
| Amica | $424 | $5,084 | -0.07 |
| State Farm | $115 | $1,379 | -0.59 |
| Progressive | $174 | $2,086 | -0.38 |
| Amica | $325 | $3,902 | 0.17 |
| Allstate | $305 | $3,654 | 0.09 |
| Kemper | $287 | $3,446 | 0.03 |
| Amica | $106 | $1,266 | -0.37 |
| State Farm | $107 | $1,287 | -0.36 |
| Geico | $125 | $1,496 | -0.26 |
| Progressive | $171 | $2,051 | 0.02 |
| Nationwide | $156 | $1,872 | -0.07 |
| Amica | $131 | $1,569 | -0.25 |
| State Farm | $115 | $1,379 | -0.34 |
| Geico | $119 | $1,423 | -0.32 |
| Progressive | $190 | $2,279 | 0.09 |
| Nationwide | $176 | $2,118 | 0.01 |
| State Farm | $115 | $1,379 | -0.37 |
| Geico | $122 | $1,461 | -0.33 |
| Amica | $185 | $2,217 | 0.01 |
| Nationwide | $176 | $2,118 | -0.04 |
| Allstate | $282 | $3,386 | 0.04 |
| Geico | $185 | $2,218 | -0.35 |
| Amica | $279 | $3,345 | -0.02 |
| Nationwide | $253 | $3,030 | -0.11 |
| Farmers | $278 | $3,339 | -0.02 |
| State Farm | $260 | $3,124 | -0.09 |
| Geico | $190 | $2,277 | -0.37 |
| Nationwide | $253 | $3,030 | -0.16 |
| Farmers | $278 | $3,339 | -0.08 |
| State Farm | $260 | $3,124 | -0.14 |
| Allstate | $282 | $3,386 | -0.06 |
| Geico | $135 | $1,621 | -0.57 |
| Amica | $200 | $2,397 | -0.36 |
| State Farm | $206 | $2,477 | -0.34 |
| Allstate | $393 | $4,714 | 0.26 |
| Kemper | $301 | $3,612 | -0.04 |
| Geico | $97 | $1,167 | -0.52 |
| Amica | $157 | $1,883 | -0.22 |
| State Farm | $193 | $2,313 | -0.04 |
| Allstate | $235 | $2,817 | -0.07 |
| Amica | $275 | $3,297 | 0.09 |
| Kemper | $278 | $3,338 | 0.10 |
| Geico | $238 | $2,859 | -0.40 |
| Farmers | $316 | $3,787 | -0.21 |
| Nationwide | $298 | $3,574 | -0.25 |
| Progressive | $367 | $4,409 | -0.08 |
| Allstate | $376 | $4,516 | -0.05 |
| Progressive | $417 | $5,007 | -0.45 |
| Allstate | $538 | $6,461 | -0.29 |
| Nationwide | $648 | $7,776 | -0.14 |
| State Farm | $716 | $8,592 | -0.05 |
| Kemper | $710 | $8,515 | -0.06 |
| Nationwide | $298 | $3,574 | -0.34 |
| Geico | $291 | $3,492 | -0.35 |
| Progressive | $410 | $4,923 | -0.09 |
| Allstate | $376 | $4,516 | -0.17 |
| Farmers | $458 | $5,498 | 0.02 |
| Geico | $277 | $3,322 | -0.42 |
| Nationwide | $337 | $4,044 | -0.29 |
| Allstate | $376 | $4,516 | -0.21 |
| Farmers | $408 | $4,896 | -0.15 |
| Progressive | $456 | $5,469 | -0.05 |
| Kemper | $551 | $6,608 | -0.06 |
| Nationwide | $257 | $3,083 | -0.26 |
| Geico | $249 | $2,992 | -0.28 |
| Amica | $333 | $3,994 | -0.04 |
| Allstate | $320 | $3,846 | -0.08 |
| Progressive | $356 | $4,269 | 0.02 |
| Geico | $237 | $2,847 | -0.35 |
| Nationwide | $291 | $3,488 | -0.21 |
| Allstate | $320 | $3,846 | -0.13 |
| Farmers | $347 | $4,161 | -0.05 |
| Progressive | $395 | $4,743 | 0.08 |
| Geico | $244 | $2,922 | -0.38 |
| Nationwide | $291 | $3,488 | -0.26 |
| Allstate | $320 | $3,846 | -0.18 |
| Farmers | $347 | $4,161 | -0.11 |
| Progressive | $413 | $4,959 | 0.06 |
| Amica | $134 | $1,612 | -0.42 |
| State Farm | $115 | $1,379 | -0.50 |
| Geico | $150 | $1,799 | -0.35 |
| Progressive | $255 | $3,066 | 0.11 |
| Nationwide | $178 | $2,141 | 0.01 |
| Farmers | $194 | $2,329 | 0.10 |
| State Farm | $115 | $1,379 | -0.38 |
| Geico | $129 | $1,545 | -0.30 |
| Amica | $185 | $2,217 | 0.00 |
| Nationwide | $178 | $2,141 | -0.04 |
| Farmers | $194 | $2,329 | 0.05 |
| Geico | $234 | $2,804 | -0.36 |
| Amica | $286 | $3,436 | -0.22 |
| State Farm | $260 | $3,124 | -0.29 |
| Progressive | $436 | $5,235 | 0.19 |
| Nationwide | $382 | $4,583 | 0.04 |
| Geico | $168 | $2,019 | -0.30 |
| Amica | $225 | $2,699 | -0.06 |
| Farmers | $220 | $2,635 | -0.08 |
| Nationwide | $226 | $2,707 | -0.06 |
| State Farm | $243 | $2,916 | 0.02 |
| Progressive | $309 | $3,712 | -0.33 |
| State Farm | $260 | $3,124 | -0.43 |
| Geico | $143 | $1,715 | -0.55 |
| State Farm | $206 | $2,477 | -0.35 |
| Allstate | $393 | $4,714 | 0.24 |
| Kemper | $297 | $3,567 | -0.06 |
| Geico | $103 | $1,235 | -0.49 |
| Amica | $157 | $1,883 | -0.23 |
| State Farm | $193 | $2,313 | -0.05 |
| Nationwide | $249 | $2,986 | 0.22 |
| Kemper | $185 | $2,224 | -0.09 |
| State Farm | $206 | $2,477 | -0.46 |
| Progressive | $313 | $3,760 | -0.18 |
| Allstate | $336 | $4,029 | -0.12 |
| Geico | $339 | $4,063 | -0.12 |
| Kemper | $299 | $3,593 | -0.22 |
| Amica | $157 | $1,883 | -0.33 |
| Geico | $126 | $1,508 | -0.46 |
| State Farm | $193 | $2,313 | -0.17 |
| Allstate | $235 | $2,817 | 0.01 |
| Nationwide | $249 | $2,986 | 0.07 |
| Geico | $293 | $3,515 | -0.39 |
| Nationwide | $341 | $4,088 | -0.29 |
| Allstate | $376 | $4,516 | -0.22 |
| Farmers | $416 | $4,995 | -0.14 |
| Progressive | $475 | $5,700 | -0.02 |
| Geico | $301 | $3,608 | -0.42 |
| Nationwide | $341 | $4,088 | -0.34 |
| Allstate | $376 | $4,516 | -0.27 |
| Farmers | $416 | $4,995 | -0.19 |
| Progressive | $497 | $5,959 | -0.04 |
| Geico | $224 | $2,691 | -0.38 |
| Nationwide | $288 | $3,451 | -0.21 |
| Allstate | $320 | $3,846 | -0.12 |
| Farmers | $340 | $4,079 | -0.06 |
| Progressive | $379 | $4,551 | 0.05 |
| Geico | $230 | $2,763 | -0.41 |
| Nationwide | $288 | $3,451 | -0.26 |
| Allstate | $320 | $3,846 | -0.17 |
| Farmers | $340 | $4,079 | -0.12 |
| Progressive | $397 | $4,759 | 0.02 |
| Amica | $134 | $1,612 | -0.41 |
| State Farm | $115 | $1,379 | -0.49 |
| Geico | $142 | $1,701 | -0.38 |
| Progressive | $245 | $2,942 | 0.08 |
| Nationwide | $264 | $3,168 | 0.16 |
| Amica | $106 | $1,266 | -0.27 |
| Geico | $102 | $1,224 | -0.30 |
| State Farm | $107 | $1,287 | -0.26 |
| Progressive | $153 | $1,837 | 0.05 |
| Farmers | $147 | $1,766 | 0.01 |
| Farmers | $190 | $2,283 | 0.04 |
| Geico | $221 | $2,651 | -0.39 |
| Amica | $286 | $3,436 | -0.21 |
| State Farm | $260 | $3,124 | -0.28 |
| Nationwide | $378 | $4,534 | 0.04 |
| Kemper | $452 | $5,427 | 0.25 |
| Geico | $159 | $1,908 | -0.33 |
| Amica | $225 | $2,699 | -0.05 |
| Farmers | $215 | $2,583 | -0.09 |
| Nationwide | $223 | $2,678 | -0.06 |
| Progressive | $261 | $3,137 | 0.11 |
| Progressive | $297 | $3,562 | -0.35 |
| State Farm | $260 | $3,124 | -0.43 |
| Allstate | $404 | $4,844 | -0.11 |
| Nationwide | $486 | $5,827 | 0.07 |
| Kemper | $456 | $5,467 | 0.01 |
| Amica | $225 | $2,699 | -0.17 |
| Geico | $194 | $2,331 | -0.28 |
| Nationwide | $223 | $2,678 | -0.18 |
| State Farm | $243 | $2,916 | -0.10 |
| Allstate | $235 | $2,817 | 0.17 |
| Kemper | $188 | $2,252 | -0.07 |
| State Farm | $206 | $2,477 | -0.45 |
| Progressive | $301 | $3,608 | -0.20 |
| Allstate | $336 | $4,029 | -0.11 |
| Geico | $320 | $3,841 | -0.15 |
| Kemper | $303 | $3,639 | -0.20 |
| Amica | $157 | $1,883 | -0.32 |
| Geico | $119 | $1,426 | -0.48 |
| State Farm | $193 | $2,313 | -0.16 |
| Allstate | $235 | $2,817 | 0.02 |
| Nationwide | $246 | $2,954 | 0.07 |
| Geico | $113 | $1,356 | -0.53 |
| Amica | $194 | $2,333 | -0.19 |
| State Farm | $206 | $2,477 | -0.14 |
| Allstate | $235 | $2,817 | -0.03 |
| Farmers | $293 | $3,513 | 0.22 |
| Geico | $116 | $1,392 | -0.54 |
| State Farm | $206 | $2,477 | -0.18 |
| Geico | $331 | $3,972 | -0.43 |
| Nationwide | $504 | $6,051 | -0.14 |
| Progressive | $588 | $7,059 | 0.00 |
| Amica | $614 | $7,371 | 0.05 |
| Farmers | $597 | $7,163 | 0.02 |
| Geico | $284 | $3,411 | -0.44 |
| Nationwide | $337 | $4,044 | -0.34 |
| Allstate | $376 | $4,516 | -0.26 |
| Farmers | $408 | $4,896 | -0.20 |
| Progressive | $477 | $5,718 | -0.07 |
| Geico | $284 | $3,403 | -0.38 |
| Amica | $424 | $5,084 | -0.08 |
| Nationwide | $435 | $5,219 | -0.05 |
| State Farm | $427 | $5,121 | -0.07 |
| Farmers | $507 | $6,088 | 0.11 |
| Geico | $204 | $2,450 | -0.33 |
| Nationwide | $257 | $3,083 | -0.16 |
| Farmers | $268 | $3,219 | -0.12 |
| Progressive | $319 | $3,824 | 0.04 |
| Allstate | $320 | $3,846 | 0.05 |
| Progressive | $362 | $4,342 | -0.38 |
| State Farm | $427 | $5,121 | -0.27 |
| Allstate | $458 | $5,502 | -0.22 |
| Nationwide | $559 | $6,707 | -0.05 |
| Nationwide | $267 | $3,203 | 0.16 |
| Amica | $106 | $1,266 | -0.28 |
| State Farm | $107 | $1,287 | -0.27 |
| Geico | $108 | $1,295 | -0.27 |
| Farmers | $150 | $1,802 | 0.02 |
| Nationwide | $158 | $1,892 | 0.07 |
| State Farm | $115 | $1,379 | -0.59 |
| Progressive | $181 | $2,174 | -0.36 |
| Amica | $325 | $3,902 | 0.15 |
| Nationwide | $343 | $4,116 | 0.21 |
| Kemper | $284 | $3,403 | 0.00 |
| Amica | $106 | $1,266 | -0.38 |
| State Farm | $107 | $1,287 | -0.37 |
| Geico | $132 | $1,582 | -0.22 |
| Nationwide | $158 | $1,892 | -0.07 |
| Progressive | $178 | $2,138 | 0.05 |
| Amica | $131 | $1,569 | -0.26 |
| State Farm | $115 | $1,379 | -0.35 |
| Geico | $125 | $1,505 | -0.29 |
| Allstate | $404 | $4,844 | -0.12 |
| Nationwide | $491 | $5,889 | 0.07 |
| Kemper | $450 | $5,398 | -0.02 |
| Amica | $225 | $2,699 | -0.18 |
| Geico | $205 | $2,466 | -0.25 |
| Nationwide | $226 | $2,707 | -0.18 |
| State Farm | $243 | $2,916 | -0.12 |
| Allstate | $282 | $3,386 | 0.03 |
| Geico | $195 | $2,346 | -0.32 |
| Amica | $279 | $3,345 | -0.03 |
| Nationwide | $255 | $3,063 | -0.11 |
| State Farm | $260 | $3,124 | -0.10 |
| Allstate | $282 | $3,386 | -0.02 |
| Geico | $201 | $2,408 | -0.34 |
| Nationwide | $255 | $3,063 | -0.16 |
| State Farm | $260 | $3,124 | -0.15 |
| Farmers | $284 | $3,407 | -0.07 |
| Allstate | $282 | $3,386 | -0.08 |
| Amica | $200 | $2,397 | -0.37 |
| Geico | $120 | $1,435 | -0.51 |
| Amica | $194 | $2,333 | -0.20 |
| State Farm | $206 | $2,477 | -0.15 |
| Allstate | $235 | $2,817 | -0.04 |
| Farmers | $299 | $3,583 | 0.22 |
| Geico | $123 | $1,473 | -0.52 |
| State Farm | $206 | $2,477 | -0.19 |
| Allstate | $235 | $2,817 | -0.08 |
| Amica | $275 | $3,297 | 0.07 |
| Kemper | $275 | $3,296 | 0.07 |
| Geico | $350 | $4,201 | -0.41 |
| Nationwide | $510 | $6,116 | -0.14 |
| Amica | $614 | $7,371 | 0.04 |
| Progressive | $613 | $7,358 | 0.04 |
| Farmers | $609 | $7,307 | 0.03 |
| Geico | $252 | $3,024 | -0.37 |
| Nationwide | $301 | $3,613 | -0.25 |
| Farmers | $322 | $3,863 | -0.20 |
| Progressive | $383 | $4,595 | -0.05 |
| Allstate | $376 | $4,516 | -0.06 |
| Progressive | $435 | $5,218 | -0.43 |
| Allstate | $538 | $6,461 | -0.30 |
| Nationwide | $655 | $7,860 | -0.14 |
| State Farm | $716 | $8,592 | -0.06 |
| Kemper | $701 | $8,408 | -0.08 |
| Nationwide | $301 | $3,613 | -0.34 |
| Geico | $308 | $3,694 | -0.32 |
| Allstate | $376 | $4,516 | -0.17 |
| Progressive | $428 | $5,130 | -0.06 |
| Farmers | $467 | $5,609 | 0.03 |
| Nationwide | $430 | $5,163 | -0.05 |
| State Farm | $427 | $5,121 | -0.06 |
| Geico | $193 | $2,316 | -0.36 |
| Nationwide | $254 | $3,050 | -0.16 |
| Farmers | $263 | $3,155 | -0.13 |
| Progressive | $306 | $3,669 | 0.01 |
| Allstate | $320 | $3,846 | 0.06 |
| Progressive | $347 | $4,167 | -0.40 |
| State Farm | $427 | $5,121 | -0.26 |
| Allstate | $458 | $5,502 | -0.21 |
| Nationwide | $553 | $6,636 | -0.04 |
| Kemper | $558 | $6,693 | -0.04 |
| Geico | $236 | $2,829 | -0.32 |
| Nationwide | $254 | $3,050 | -0.26 |
| Amica | $333 | $3,994 | -0.03 |
| Progressive | $341 | $4,097 | -0.01 |
| Allstate | $320 | $3,846 | -0.07 |
Cheapest Car Insurance For High-Risk Drivers in Connecticut
We studied four areas for profiles insurers consider high-risk in Connecticut including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: GEICO (From $86/mo)
- Cheapest With a DUI: State Farm (From $84/mo)
- Cheapest With an Accident: GEICO (From $49/mo)
- Cheapest With a Speeding Ticket: GEICO (From $41/mo)
Cheapest Car Insurance For Bad Credit in Connecticut
GEICO offers Connecticut drivers with bad credit the most affordable car insurance rates. Annual premiums start at $1,033 for minimum coverage and $2,230 for full coverage policies with comprehensive and collision protection.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Geico | $258 | $3,097 | -41% |
| Nationwide | $356 | $4,271 | -19% |
| Progressive | $417 | $5,006 | -5% |
| Allstate | $464 | $5,562 | 6% |
| Kemper | $435 | $5,216 | -1% |
Cheapest Car Insurance With a DUI in Connecticut
State Farm ranks as the most affordable option for Connecticut drivers with DUIs, offering annual rates of $1,008. Kemper provides the next best value with premiums of $1,284 per year.
Data filtered by:Results filtered by:
Select
Age Group :Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Progressive | $246 | $2,955 | -44% |
| Allstate | $337 | $4,048 | -23% |
| State Farm | $342 | $4,108 | -22% |
| Nationwide | $390 | $4,683 | -11% |
| Kemper | $344 | $4,130 | -22% |
Cheapest Car Insurance With an Accident in Connecticut
Connecticut drivers with an accident on their record can find the most affordable coverage through GEICO at $49 per month ($586 annually).
Data filtered by:Results filtered by:
Select
Age Group :Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Geico | $209 | $2,509 | -38% |
| Nationwide | $304 | $3,644 | -10% |
| Amica | $346 | $4,150 | 2% |
| State Farm | $342 | $4,108 | 1% |
| Kemper | $342 | $4,100 | 1% |
Cheapest Car Insurance With an Speeding Ticket
Connecticut drivers with speeding tickets can find the lowest insurance rates with GEICO. The provider offers minimum coverage at $487 per year, while full coverage costs $1,058 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
| Geico | $175 | $2,099 | -35% |
| Nationwide | $203 | $2,436 | -25% |
| Allstate | $236 | $2,830 | -13% |
| Progressive | $269 | $3,228 | -1% |
| Kemper | $316 | $3,789 | 17% |
How to Get the Cheapest Car Insurance in Connecticut
Finding the most affordable insurance companies is just the first step to reducing your Connecticut car insurance costs. Here are proven ways to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from several insurance companies through different channels including captive agents, independent agents, comparison websites and direct from providers. Your quotes will vary depending on the method you use, so exploring multiple options helps ensure you find the best rates.
- 2
Determine Your Coverage Needs
Evaluate the coverage you need based on your vehicle's value, your assets and state requirements. This helps avoid paying for unnecessary coverage while ensuring you have adequate financial protection.
- 3
Consider Lower Coverage Amounts
If cost is a concern, consider adjusting your coverage levels and deductibles. However, carefully evaluate your financial situation, driving patterns and vehicle value before reducing coverage to ensure you're not taking on too much risk.
- 4
Research Costs and Discounts
Study average auto insurance costs for drivers with similar profiles to benchmark savings opportunities. Investigate available discounts and consider bundling home and auto insurance policies to maximize your savings.
- 5
Explore Insurance Alternatives
Look into non-traditional options like pay-per-mile car insurance or telematics programs that base rates on driving habits. These alternatives might offer significant savings if you drive infrequently or practice safe driving habits.
- 6
Improve Your Risk Profile
Work on improving your credit score and maintaining a clean driving record. Better risk factors typically lead to lower insurance rates across all providers.
- 7
Choose a Cost-Effective Vehicle
If you're planning to buy a car, select a cheaper car to insure to reduce your premium costs. Older, reliable vehicles typically cost less to insure and repair.
Risks of Getting the Cheapest Car Insurance in Connecticut
Connecticut's minimum required car insurance coverage is 25/50/25 liability coverage. Drivers must carry $25,000 for bodily injury per person, $50,000 for total bodily injuries per accident and $25,000 for property damage per accident. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Connecticut, average property damage claims hit $4,711 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Connecticut gets hit with severe weather that damages cars regularly. National Centers for Environmental Information data shows Connecticut faced significant weather-related property damage in 2023, with frequent coastal storms, flooding and winter weather events. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against storms, floods and winter weather.
Bodily injury damage is more likely to be higher than the minimum limits
Connecticut's minimum bodily injury coverage of $25,000 per person often falls short of actual claim costs. Average bodily injury claims in Connecticut reached $22,734 in 2023, according to the Insurance Information Institute. Rising medical costs mean you could face major out-of-pocket expenses. Consider increasing to 50/100/50 coverage levels for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Connecticut has an uninsured driver problem, with 9.4% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a growing problem in Connecticut, according to the National Insurance Crime Bureau, with significant increases over 2022. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Connecticut: Bottom Line
GEICO ranks as Connecticut's most affordable car insurance provider, offering the lowest rates across different coverage levels and driver profiles. Although choosing the lowest-cost option is tempting, cheapest isn't always best for car insurance. Get as much coverage as you can afford to protect your finances if an accident happens.
Cheap Car Insurance in Connecticut: FAQ
Below, we answer common questions about finding affordable car insurance coverage in Connecticut.
What are the cheapest car insurance companies in Connecticut?
GEICO leads Connecticut with the lowest rates: $405 annually for minimum coverage and $895 for full coverage. Other budget-friendly options include Amica, State Farm, Allstate and Kemper.
Who has the cheapest car insurance rates for young drivers in Connecticut?
GEICO provides the lowest rates for young drivers in Connecticut, with monthly premiums averaging $120.
Who offers the cheapest car insurance rates for seniors in Connecticut?
Senior drivers in Connecticut get excellent rates from GEICO, with monthly premiums averaging $50 for those aged 65 and older.
Who has the cheapest car insurance in Connecticut for bad credit?
GEICO provides the most affordable rates for bad-credit drivers in Connecticut, with monthly premiums starting at $86 for minimum coverage and $186 for full coverage.
Who has the cheapest car insurance in Connecticut with an accident?
GEICO offers the most affordable rates for Connecticut drivers with an accident, starting at $49 per month for minimum coverage.
Who has the cheapest car insurance in Connecticut with a DUI?
State Farm provides the cheapest car insurance after a DUI in Connecticut, with rates of $84 monthly for minimum coverage and $169 for full coverage.
Who has the cheapest car insurance in Connecticut for those with a speeding ticket?
Connecticut drivers with speeding tickets can find the lowest rates with GEICO at $41 monthly for minimum coverage and $88 for full coverage.
Should you buy the cheapest car insurance in Connecticut?
The cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Connecticut.
How We Found the Most Affordable Car Insurance in Connecticut
MoneyGeek collected auto insurance data from the Connecticut Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Connecticut.
Connecticut Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Connecticut
We compared car insurance companies in Connecticut that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Connecticut.
The minimum coverage liability limits in Connecticut are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 24, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 24, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 24, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 24, 2025.