Cheap Car Insurance in Connecticut (2022)

Car Insurance in Connecticut

With its mix of coastal cities and rural towns, there’s a lot to discover in Connecticut. If you’re a Connecticut driver, the state law requires you to carry the minimum liability coverage and underinsured/uninsured motorist coverage. Whether you are shopping for the minimum coverage or full-coverage car insurance, Insurify can help you find the cheapest rates.

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Cheapest Car Insurance in Connecticut

The key to finding affordable car insurance is getting auto insurance quotes from multiple providers. In Connecticut, auto insurance rates can go as low as $148 or as high as $399, amounting to a $3,012 annual difference. You can find average rates for some of the cheapest auto insurance companies in Connecticut below.

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Cheapest Liability Auto Insurance in Connecticut

You must carry both bodily injury liability and property damage liability car insurance to drive in Connecticut. A liability-only insurance policy can be as cheap as just $81 per month—or $972 per year—but it’s important to know that it only covers the damage that the other driver sustains in the event of a car accident, and you would still need to cover your own damage out of pocket.

Cheapest Full-Coverage Auto Insurance in Connecticut

Full-coverage car insurance is more expensive than a liability-only auto insurance policy, but you can still find cheap coverage if you shop around. Comprehensive coverage and collision coverage will cover the damage to your vehicle in the event of an accident or theft.

Best Car Insurance in Connecticut

Some car insurance companies in Connecticut do more than just offer the best rates. Insurify uses the latest technology to research insurance providers and assign an Insurify Composite Score (ICS) to them. This score reflects the quality of service and auto insurance coverage that Connecticut auto insurance companies provide. Find the providers with the highest ICS below.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Connecticut Car Insurance Rates by Driving and Accident History

Insurance providers determine the cost of your car insurance policy by taking into account various factors, such as your age and vehicle model. Out of all of these factors, your driving history is one of the most important and can either increase auto insurance rates or keep them down. Good drivers with no accident history have access to the cheapest rates.

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Cheap Car Insurance for Good Drivers in Connecticut

There is no standard definition of what a “good driver” is in Connecticut, and different insurance providers define it in different ways, but typically, it is a driver with a clean driving record going back a certain number of years. Good drivers in Connecticut can expect their average monthly car insurance quote to be as cheap as $142.

Cheap Car Insurance for Drivers with DUI in Connecticut

Having a DUI on your record can cause your car insurance premiums to rise. For example, the average quote for a driver with a DUI with Safeco is $213 monthly, $31 higher than an average quote for a good driver. Similarly, a driver with a DUI can expect to pay $369 per month with Nationwide, $94 more than an average quote for a good driver with the same provider.

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SR-22 Insurance in Connecticut

If you have a DUI conviction on your driving record, you will likely need to get a special SR-22 form from your insurer to get back on the road. You will only have to pay a one-time fee to get your SR-22, but it will likely increase your car insurance premiums.

These are the insurance companies that offer SR-22 in Connecticut:

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

An at-fault accident on your driving record is another reason why your car insurance premiums may be higher than average. According to Insurify data, drivers with an at-fault accident on their records can expect their monthly premium with Bristol West to go up by $113, rising from $373 to $486. This increase means a $1,356 jump in your annual rate.

Cheap Car Insurance for Drivers with Speeding Tickets in Connecticut

Speeding tickets can make your car insurance provider label you as a “high-risk driver” who is more prone to causing accidents and filing claims. Having a speeding ticket on your record can make your annual car insurance rates go up by $744 with National General and $432 with Safeco. Use Insurify to find cheap car insurance with speeding tickets on your record.

Connecticut Car Insurance Rates by Credit Tier

Most insurance providers use your credit history to determine your car insurance quotes as they rely on historical data which shows that drivers with lower credit scores file more claims than drivers with higher credit scores. As such, Connecticut drivers with a poor credit score can expect to pay up to 55 percent more for car insurance than drivers with an excellent score.

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Connecticut Car Insurance Rates by Driver Age

Teen drivers and young drivers under 25 can expect the highest average car insurance rates in Connecticut, at $563 and $443 per month. This is because insurance providers think of less experienced drivers as “high-risk.” As you gain more experience on the road, your car insurance rates will become cheaper, going down to $186 per month for drivers in their 60s.

Car Insurance Rates in Connecticut Cities

Your car insurance quote depends on where in Connecticut you live. Hartford and Bridgeport residents can expect the highest average car insurance rates—$347 and $340, respectively—while West Hartford drivers have access to the cheapest rates, $208 per month. To find cheap car insurance regardless of where in Connecticut you live, use Insurify.

Connecticut Driving Facts

Every state has minimum insurance requirements, and Connecticut is no exception. Additionally, all drivers in Connecticut will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Connecticut.

Minimum Car Insurance Requirements 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 be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Connecticut^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Connecticut is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Connecticut, you’re required to purchase insurance that covers bodily injuries under these circumstances.

Connecticut DMV Information

The DMV—or department of motor vehicles—is a government agency that is responsible for renewing vehicle registration and driver’s licenses, transferring ownership, canceling plates and registration, and more.

The Connecticut DMV is open by appointment only. However, it also offers many of its services online. For example, you can request a duplicate driver’s license and a duplicate non-driver ID, obtain your driving history, or change your address from your laptop.

Public Transportation in Connecticut

The most convenient way to get around the state and Connecticut cities is by car. However, Connecticut also has an extensive public transportation system to support alternatives to driving. There are local and express buses available as well as three rail lines to travel around the state.

How to Get the Cheapest Car Insurance in Connecticut

When shopping for cheap car insurance in Connecticut, it’s important to explore your options. This is because no two auto insurance companies use the same algorithm to weigh factors such as your driving history and age to calculate your quote. As a result, your insurance premiums can be as cheap as $81 and as expensive as $563, depending on your unique circumstances.

Insurify is an AI-powered comparison tool that helps you get access to 10+ cheap and personalized quotes from the best car insurance companies in Connecticut in just a few minutes. Simply answer basic questions about yourself, your vehicle, and coverage preferences and compare your cheap car insurance quotes side by side until you find the best offer.

Frequently Asked Questions: Cheap Car Insurance in Connecticut