Connecticut seems to have it all—casinos, beaches, castles, even low car insurance premiums.

As one of the most densely populated states in the U.S., it’s no wonder Connecticut has over 1.4 million registered vehicles. With over 40,000 miles of roadway through the Constitution State, a solid auto insurance policy is vital for every Connecticut driver

Cheapest Car Insurance Companies in Connecticut

Here are the cheapest insurance companies in Connecticut based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.

Insurance CompanyQuote
GEICO$83/month
Allstate$107/month
Travelers$158/month
Nationwide$189/month
Liberty Mutual$190/month

Best Car Insurance Companies in Connecticut

It seems like every other radio and television commercial is some auto insurance provider claiming to have the best customer service, lowest premiums, and the most reliable coverage. With every company claiming to be the best, how are you supposed to know which insurance provider is truly on top? Data scientists at Insurify have crunched the numbers for you.

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Connecticut. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
Grange88$193/month
GEICO87$83/month
Allstate86$107/month
Nationwide84$189/month
Travelers81$158/month
Liberty Mutual80$190/month

Most Popular Car Insurance Companies in Connecticut

The American car insurance market is lead by a few key players. According to the Insurance Information Institute (III), these are the most popular car insurance companies in Connecticut by market share:

Cheapest Car Insurance in Connecticut by City

Many factors come into account when insurance companies are calculating your monthly premium. Driving history and demographic information will surely impact your cost of coverage, but did you know your address will too? Auto insurance costs may vary greatly depending on locations and insurance companies. The cheapest offering in Bridgeport could be the priciest in Waterbury. 

Insurify analyzed the latest data for five of the most populous cities in Connecticut to find you the cheapest quotes in each of these metropolitan areas.

CityInsurance CompanyQuote
BridgeportGEICO$131/month
New HavenGEICO$123/month
StamfordGEICO$94/month
HartfordGEICO$123/month
WaterburyGEICO$126/month

Cheapest Car Insurance in Connecticut by Profile

Just like geographic location, your personal profile may drastically affect your monthly premium. Here are the cheapest insurance companies in Connecticut based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.

USAA will frequently offer Connecticut residents the cheapest auto insurance options, but members must be retired or current officers and enlisted personnel of the U.S. military. 

Cheap Car Insurance for Good Drivers

Connecticut drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. GEICO offers the best options for good drivers in Connecticut, at $83 per month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuote
GEICO$83/month
Allstate$107/month
Travelers$158/month
Nationwide$189/month
Liberty Mutual$190/month

Cheap Car Insurance for High-Risk Drivers

High-risk drivers in Connecticut, including those with one or more traffic violations, may have to pay more on their car insurance premiums. Connecticut drivers with demerits on their driving records tend to have higher monthly premiums than the national average. State Farm offers the best deal for drivers with a DUI at $62/month. For drivers with at-fault accidents, Travelers offers the best rate at $57/month. For those with speeding tickets on their driving record, USAA provides the best option at $61/month. Average rates for high-risk drivers tend to be higher than other drivers.

Cheap Car Insurance for Drivers with DUI in Connecticut

The lookback period in Connecticut is ten years. This means that you could be paying the price for years to come if you’ve been charged with a DUI. In addition to increased insurance costs, DUIs in Connecticut can lead to jail time, license suspension, thousands of dollars in fines, and substance abuse program requirements. Punishments worsen with each subsequent offense, or if there is a minor in the vehicle when the DUI is committed. Drivers may also be mandated to install ignition interlocking devices in their cars to prevent future offenses. 

Insurance CompanyQuotes
State Farm$62/month
Progressive$89/month
Travelers$93/month

Cheap Car Insurance for Drivers with an At-Fault Accident in Connecticut

If you’re found at-fault for a car accident in Connecticut, your monthly premiums may increase significantly. Even a little fender-bender can have major financial repercussions.

Insurance CompanyQuotes
Travelers$57/month
State Farm$62/month
USAA$82/month

Cheap Car Insurance for Speeding Drivers in Connecticut

Getting to your destination a few minutes early may not be worth the costly effects speeding tickets may have on your car insurance rates. Slow down and take a look at these car insurance quotes for speeders in Connecticut.

Insurance CompanyQuotes
USAA$61/month
State Farm$62/month
GEICO$63/month

Cheap Car Insurance for Young Drivers in Connecticut

If you’re under 40 years old in the state of Connecticut, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Country Financial, USAA, and Grange tie for the cheapest car insurance rates for young drivers in Connecticut, averaging $44 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance CompanyQuotes
Travelers$41/month
USAA$48/month
State Farm$54/month
GEICO$58/month
Progressive$73/month

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Car Insurance for Drivers with Poor Credit

Unfortunately, it can be challenging to find cheap car insurance in Connecticut if you have a poor credit score. Connecticut car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder. This means that they can hold your poor credit score against you in the form of a financial penalty. Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing the insurance premiums of bad credit drivers to account for the increased risk. Depending on where you live in Connecticut, car insurance premiums fluctuate based on many factors, not just credit score. Having good credit can save you a whole lot of cash in the long run.

Connecticut State Insurance Laws

State Minimum Car Insurance Coverage in Connecticut

All motor vehicles operated or parked on Connecticut roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Connecticut auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Connecticut law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Connecticut are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Connecticut state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Connecticut law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Connecticut is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required forms of insurance in Connecticut. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered by insurance.

Optional Supplemental Coverage

Comprehensive coverage and collision coverage pay for repairs to your own car when it’s involved in a car accident or stolen. Many car insurance policies refer to this as “full coverage.” Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.

Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses or auto damage due to a collision.

Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”

Medical Payments, or simply Med Pay, covers reasonable medical costs for you or your passengers in the case of injury from an accident. If a car accident results in serious bodily injury, Med Pay can help ease the stress of high medical bills after a hospital visit by increasing coverage levels.

Am I liable if I cause a car accident in Connecticut?

Connecticut follows a fault-based car insurance system. 

What does that mean, exactly? The driver who is determined to be at-fault in an accident is responsible for damages. The at-fault driver must compensate any other driver, passengers, or injured pedestrians affected in the accident. Determining fault in a car accident isn’t always cut and dry. Sure, if one driver is texting and causes a pile-up, they’re clearly at fault. But what happens if the details of the accident are a bit foggier. Because of this, litigation is often involved after car accidents in fault-based car insurance systems. 

Distracted Driving in Connecticut

Using electronic devices while operating a motor vehicle is a known dangerous activity and is the cause of so many fatal accidents every year. In Connecticut, it is illegal to use handheld cell phones and texting for all drivers. Voice operated use of electronic devices is permitted, except for novice drivers under the age of 18.

SR-22 Insurance in Connecticut

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Connecticut on your behalf. Connecticut’s state licensing authority will inform drivers if they might require SR-22 insurance. If you’ve committed a DUI, DWI, a moving violation, or another serious offense, you may be required to hold SR-22 insurance. The cost of filing an SR-22 is just one of many reasons drinking and driving is simply not worth it. 

In Connecticut, many insurance companies offer SR-22 insurance such as Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, Progressive, Safeco, The General, and Victoria.

Connecticut Car Insurance FAQ

Which insurance company offers the cheapest auto insurance in Connecticut?

The best way to get the cheapest car insurance in Connecticut and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify.com provides the cheapest car insurance quotes and companies in your area in just a few seconds.

How is fault assigned after a car accident in Connecticut?

As a fault-based state, after a car accident, the driver found at-fault will be responsible for compensating other drivers and passengers for property damage and bodily injury. Blame may be split amongst multiple drivers, and damages would be split accordingly. 

What is the punishment for committing a DUI in Connecticut? 

DUIs can really damage a driver’s driving record. The punishment can be severe, too; Connecticut drivers risk two days to six months in jail, $500 to $1,000 in fines, 45-day license suspension, and interlocking ignition devices in their vehicles after their first DUI offense. Punishments worsen with subsequent offenses. 

What happens if I drive uninsured in Connecticut?

Driving uninsured puts yourself and those around you at great risk. An estimated 9.4 percent of drivers on Connecticut roads are uninsured or underinsured. If caught, uninsured drivers face hundreds in fines, civil penalties, license and registration suspension, SR-22 requirements, and even jail time. 

AAA Car Insurance and Roadside Assistance in Connecticut

Locked your keys in the car? Battery dead? Flat tire? If you’ve ever found yourself in this situation, you’ve probably relied on the American Automobile Association (AAA) for roadside assistance. But did you know that AAA also offers automobile insurance for Connecticut drivers?

Divided into regional clubs, AAA operates all over the state. Connecticut is part of AAA’s Northeast region. To find out which independent agents operate AAA insurance in your region, visit AAA’s website, and search using your ZIP code.

Connecticut DMV Information

The State of Connecticut Department of Motor Vehicles has DMV outposts all around the state.

At the DMV, Connecticut residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours. Regardless of where you live in the Constitution State, a DMV shouldn’t be too far. Connecticut residents may be able to skip their visit altogether and get what they need through the DMV’s online portal.

Conclusion: How to Get the Cheapest Car Insurance in Connecticut

To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From Hartford to New Haven, Connecticut drivers deserve to find the cheapest car insurance available.

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Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.