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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.
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.
| Cheapest Companies | Quotes |
|---|---|
 GEICO | $83/mo |
 Allstate | $107/mo |
 Travelers | $158/mo |
 Nationwide | $189/mo |
 Liberty Mutual | $190/mo |
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.
| Best Companies | Quotes | |
|---|---|---|
Nationwide | $189/mo | |
 American Family | $193/mo | |
GEICO | $83/mo | |
Allstate | $107/mo | |
Liberty Mutual | $190/mo | |
Travelers | $158/mo |
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.
| City | Cheapest Carrier | Quote |
|---|---|---|
| Bridgeport |  GEICO | $131/mo |
| New Haven | GEICO | $123/mo |
| Stamford | GEICO | $94/mo |
| Hartford | GEICO | $123/mo |
| Waterbury | GEICO | $126/mo |
| Norwalk | GEICO | $85/mo |
| Danbury | GEICO | $95/mo |
| New Britain | GEICO | $107/mo |
| West Hartford | GEICO | $91/mo |
| Greenwich | GEICO | $84/mo |
| Hamden | GEICO | $106/mo |
| Bristol | GEICO | $100/mo |
| Meriden | GEICO | $100/mo |
| Fairfield | GEICO | $88/mo |
| Manchester | GEICO | $83/mo |
| West Haven | GEICO | $112/mo |
| Milford | GEICO | $91/mo |
| Stratford | GEICO | $105/mo |
| East Hartford |  Allstate | $125/mo |
| Middletown | GEICO | $91/mo |
| East Haven |  Safeco | $217/mo |
| Guilford |  Plymouth Rock | $205/mo |
| Southington | Plymouth Rock | $168/mo |
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:
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:
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.
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 | Quotes |
|---|---|
GEICO | $83/mo |
Allstate | $107/mo |
Travelers | $158/mo |
Nationwide | $189/mo |
Liberty Mutual | $190/mo |
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 | Quotes |
|---|---|
State Farm | $62/mo |
Progressive | $89/mo |
Travelers | $93/mo |
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 | Quotes |
|---|---|
Travelers | $57/mo |
State Farm | $62/mo |
USAA | $82/mo |
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 | Quotes |
|---|---|
USAA | $61/mo |
State Farm | $62/mo |
GEICO | $63/mo |
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 | Quotes |
|---|---|
Travelers | $41/mo |
USAA | $48/mo |
State Farm | $54/mo |
GEICO | $58/mo |
Progressive | $73/mo |
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.
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.
Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
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.
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.
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.
