Cheap Auto Insurance Quotes in Connecticut (2021)

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Save on Connecticut Car Insurance 

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 in Connecticut

Here are the cheapest carriers in Connecticut for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Connecticut.

Best Car Insurance in Connecticut

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 carrier reviews. The following are the top rated carriers that offer car insurance in Connecticut. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Connecticut

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Connecticut to find you the cheapest quotes in each of these metropolitan areas.

Over 150,000 people populate Bridgeport, Connecticut's largest and most populous city. It sits along several roadways, including the Interstate 95 and Routes 8 and 25.

Quotes by Top Carriers
Quotes ($/mo)
$131
$256
$360
$392
GEICOAmerican FamilyThe GeneralNationwide
Monthly $
CityCheapest Carrier
GEICO
$131/mo
GEICO
$123/mo
GEICO
$94/mo
GEICO
$123/mo
GEICO
$126/mo
GEICO
$85/mo
GEICO
$95/mo
GEICO
$107/mo
GEICO
$91/mo
GEICO
$84/mo
GEICO
$106/mo
GEICO
$100/mo
GEICO
$100/mo
GEICO
$88/mo
GEICO
$83/mo
GEICO
$112/mo
GEICO
$91/mo
GEICO
$105/mo
AllstateAllstate
$125/mo
GEICO
$91/mo
SafecoSafeco
$217/mo
Plymouth RockPlymouth Rock
$205/mo
Plymouth RockPlymouth Rock
$168/mo

Cheapest Liability Auto Insurance in Connecticut

For drivers in Connecticut, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Connecticut. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Connecticut.

Cheapest Full Coverage Auto Insurance in Connecticut

For drivers in Connecticut, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Connecticut. The following are the best insurance rates from carriers that offer full coverage auto insurance in Connecticut.

Connecticut Driving Facts

connecticut

Minimum Car Insurance Requirements in CT

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)
  • $25,000/accident for Property Damage (PD)
  • $25,000 per person/$50,000 per accident Uninsured Motorist Bodily Injury (UMBI)

Cheapest Car Insurance Quotes in Connecticut by Profile

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. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For 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 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
GEICO
$83/mo
Allstate
$107/mo
Travelers
$158/mo
Nationwide
$189/mo
Liberty Mutual
$190/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
State Farm
$62/mo
Progressive
$89/mo
Travelers
$93/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
Travelers
$57/mo
State Farm
$62/mo
USAA
$82/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
USAA
$61/mo
State Farm
$62/mo
GEICO
$63/mo

Cheap Car Insurance for Young Drivers

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. Travelers offers the cheapest car insurance rates for young drivers, averaging $41 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 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. Unlike most states, Connecticut 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Connecticuters lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
Travelers
$41/mo
USAA
$48/mo
State Farm
$54/mo
GEICO
$58/mo
Progressive
$73/mo

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.

CT DMV Information

The State of Conencticut Departmnet 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.

Insurify Insights: How Connecticut Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Connecticut drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Connecticut

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Connecticut drivers rank 20 in the number of car accidents per driver.

  • Rank of States: #20
  • Percent of drivers in Connecticut with an accident: 10.79%
  • Drivers in CT with an accident in their driving history paid on average 22.49% more than drivers with a clean record

Speeding Connecticut

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Connecticut drivers rank 49 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #49
  • Percent of drivers in Connecticut with a speeding ticket: 5.6%
  • Drivers in CT with a speeding ticket in their driving history paid on average 25.3% more than drivers with a clean record

DUI/DWIs Connecticut

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Connecticut drivers rank 42 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #42
  • Percent of drivers in Connecticut with a DUI: 1.36%
  • Drivers in CT with a DUI in their driving history paid on average 9.64% more than drivers with a clean record

Most Popular Vehicle Connecticut

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Connecticut is the Honda Accord.

Rude Connecticut

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Connecticut drivers rank 31 in rude driving infractions.

  • Rank of States: #31
  • Percent of drivers in Connecticut with a reckless driving violation: 1.7%
  • Drivers in CT with a reckless driving violation in their driving history paid on average 28.92% more than drivers with a clean record.

Safest Drivers Connecticut

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Connecticut drivers rank 8 in clean driving records across all fifty states.

  • Rank of States: #8
  • Percent of drivers in Connecticut with clean record: 83.72%

Street Racing Connecticut

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Connecticut drivers rank 28 in street racing violations per driver.

  • Rank of States: #28
  • Percent of drivers in Connecticut with a street racing violation: --%

Failure to Yield the Right of Way Connecticut

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Connecticut drivers rank 40 in failure to yield violations per driver across all fifty states.

  • Rank of States: #40
  • Percent of drivers in Connecticut with a failure to yield violation: 0.27%
  • Drivers in CT with a failure to yield violation in their driving history paid on average 29.32% more than drivers with a clean record

Reckless Drivers Connecticut

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Connecticut drivers rank 33 in the number of reckless driving offenses per driver.

  • Rank of States: #33
  • Percent of drivers in Connecticut with a reckless driving offense: 0.07%

Hybrid/Electric Vehicle Ownership Connecticut

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Connecticut drivers rank 31 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #31
  • Percent of drivers in Connecticut with a hybrid/electric vehicle: 0.7%

Greenest Cities in Connecticut

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Connecticut offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Stamford

Greenes Cities
% of Hybrids / Electrics
3%
Most Patriotic City

Most Patriotic City

Hartford

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Stamford won Insurify's Most Patriotic Cities Award for the state of Connecticut.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Connecticut is vital for all car insurance shoppers hitting the road in The Constitution State.

road with cars illustration

Road Rankings

39%Rural Roads in
Poor Condition

#2
Ranked

8%Structurally Deficient
Rural Bridges

#11
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#36
Ranked


FAQs - Connecticut Car Insurance

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 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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.