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When you shop for a new car insurance policy, you want to find one that provides the best coverage and service while staying within your budget. Luckily, Connecticut drivers pay an average insurance premium of $285, which is lower than the national average. And, depending on your insurance company and driving history, you could pay even less.
To compile the best car insurance companies in Connecticut, Insurify’s data experts considered criteria including cost, coverage needs, life stage, driving habits, and more.
Here’s what you should know about the best car insurance companies in Connecticut and how to find one that works for you.
Best car insurance companies in Connecticut
Connecticut drivers have no shortage of quality car insurance providers to choose from. The best insurer for you will depend on your unique situation and needs.
To find the best coverage, consider 10 of the best insurance companies in Connecticut included in the table below. Each insurer works best for a specific category of driver or what drivers may care most about, including affordability.
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4.8/5
Insurance Company
Best For
Average Monthly Quote: Liability Only
Insurify Quality Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$120/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$162/mo
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
Travelers tops the list as the best overall auto insurance company in Connecticut due to its affordable coverage and IQ Score of 4.3 out of 5. Customers in the state pay an average monthly premium of $146 for full-coverage insurance.
In addition to its affordable rates, Travelers also provides policyholders with a wide variety of coverage and unique discount options to choose from. For example, the company offers gap insurance, which not all companies offer.
The company earns strong financial strength ratings, with an A++ rating from A.M. Best and AA ratings from both S&P Global and Fitch Ratings. Travelers also receives a below-average number of complaints for a company of its size, according to the NAIC complaint index.
Pros
Affordable premiums for both liability and full coverage
Excellent coverage options, including gap insurance and accident forgiveness
Offers many discounts to help you save money
Cons
Earned below-average customer satisfaction rankings from J.D. Power in some regions, including New England[1]
Only offers rideshare coverage in Colorado and Illinois
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$73/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$122/mo
A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Unwilling to work with clients. Especially senior citizens on a fixed income.
Janina - September 10, 2023
Verified
Awesome customer service, good prices, easy to deal with.
Kathleen - September 9, 2023
Verified
Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.
Because of its affordable premiums and high IQ Score of 4.3, GEICO offers the best cheap car insurance for Connecticut drivers. The company has the second-lowest premiums for both liability-only and full-coverage insurance, falling behind only State Farm. Connecticut drivers with GEICO coverage pay monthly averages of $100 for liability coverage and $131 for full coverage.
GEICO also has more discounts than nearly any other company on our list to help you save even more. You can earn a discount with GEICO for driving a new vehicle, maintaining a good driving record, working as a federal employee, having certain safety features on your car, and more.
Pros
Affordable premiums for both liability and full-coverage policies
Offers more discounts than almost any other competitor on the list
Earned above-average customer satisfaction ranking from J.D. Power in most regions, including New England
Cons
Fewer coverage options than some competitors
Has a limited number of local agents
Doesn’t offer rideshare or gap insurance
Most affordable car insurance in Connecticut: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$99/mo
State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
State Farm offers the most affordable car insurance for drivers in Connecticut. The company leads the auto insurance industry in the country based on premiums written and the highest market share for property and casualty insurance.[2] A well-known, reputable insurer, State Farm generally has positive customer satisfaction rankings.
For Connecticut drivers, State Farm offers the perfect combination of the lowest average rates and one of the highest IQ Scores, at 4.4. Drivers pay an average of $81 per month for liability-only insurance and $107 for full coverage.
Pros
Offers lowest average premiums for both liability and full coverage compared to other included insurers
Earned above-average J.D. Power rankings in most regions, including New England
Good drivers have several ways to save money
Cons
Fewer available discounts than some competitors
Missing some options for customizable coverages that other companies offer
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$97/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$158/mo
Founded in 1921, State Auto is now a part of Liberty Mutual. The company sells policies in 33 states, although they don’t specify which ones on their website or Liberty Mutual’s site. State Auto offers three levels of protection with customizable coverages that can include roadside assistance, glass coverage, accident forgiveness, rideshare insurance, and more. Available discounts include one for safe driving (monitored by a telematics app) multiple policies, driver education and safety courses, anti-theft equipment, and for paying in full. State Auto has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Ample options for customizing coverages
Numerous discounts available
Cons
Not available in all states
Online quotes and purchasing not available
Their customer service is horrible and slow, and they cost us hundreds of dollars extra in added rental car fees for their delays.
Brandon - June 22, 2023
Verified
No problems
Dave - April 12, 2022
Verified
Received a rate increase without notice on renewal
State Auto earned its spot on the list of the best car insurance companies in Connecticut because of its wide variety of coverage options. Full-coverage policies with State Auto are $207 per month on average, which costs less than the average across all companies. Connecticut drivers, by comparison, pay $256 per month on average for full-coverage insurance.
State Auto has a more extensive list of coverage options than most companies. The company offers all the basic coverages you’d expect from any car insurance company, but it also offers unique coverages like full safety glass coverage, accident forgiveness, original equipment manufacturer parts coverage, cell phone coverage, pet coverage, rented vehicle coverage, and more.
Pros
Offers extensive coverage options
Safe drivers can save through the State Auto Safety 360 program
A large number of local agents are available
Cons
Lower Insurify Quality Score than most competitors included on the list
Provides fewer discount opportunities than most competitors
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$131/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$176/mo
In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Numerous discount and savings opportunities
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Cons
Not available in every state
Some discounts and programs not available in all states
Was very happy until I was told I would not be renewed as my agent was not with them anymore. I have to get a new agent and start as a new account after 50 years.
Whether you have a long commute or only drive a few miles to work each day, Nationwide is an excellent option for car insurance. The company offers a couple of different programs that allow drivers to save based on their driving habits.
If you have a short commute and don’t drive much outside of work, you might benefit from Nationwide’s pay-per-mile SmartMiles program. And if you drive more miles due to a longer daily commute, you can save with Nationwide’s SmartRide program. The telematics-based program tracks your driving and gives you a discount for making safe driving decisions.
Pros
Savings for safe and low-mileage drivers
Many coverage options, including gap insurance and vanishing deductibles
Large network of local agents
Cons
Earned a below-average claims customer satisfaction ranking from J.D. Power[3]
Discounts don’t apply to certain specialty coverages
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$113/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$188/mo
Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Cons
Higher-than-expected amount of complaints
Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking
My premiums continue to increase. I have no tickets and no accidents.
Progressive’s coverage and discount options make it one of the best options for families. If you have teens on your insurance policy, you can save money through the company’s teen driver discount, good student discount, and distant student discount (which applies to students away at college). Coverage options like roadside assistance and gap insurance can protect your family, vehicle, and financials, as well.
Pros
Offers many discounts for families with young drivers
Large number of available coverage options
Deductible reduces for every policy period without a claim
Cons
Earned a below-average J.D. Power customer satisfaction ranking in most regions, including New England
Premiums can increase under the usage-based Snapshot program
Drivers face significant premium increases after an accident
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
862
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$293/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$490/mo
Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, personal excess liability, and marine insurance. As a mutual company, Amica distributes dividends to policyholders, rather than shareholders. The company has A+ ratings from A.M. Best for financial stability and credit, and was the highest-ranked insurer for customer satisfaction in New England according to J.D. Power. Amica offers numerous discounts to help drivers save, and flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement.
Pros
Good ratings for customer service and satisfaction
Multiple discounts and coverage options available
Cons
Higher-than-average rates for drivers with traffic violations
Limited number of local offices
Amica is a great company with great prices.
John - September 11, 2023
Verified
Nice company, but their prices go up all the time.
Donna - August 13, 2022
Verified
They’re always there, there are no hoops to jump through and they have helpful employees.
Amica may not be right for everyone because of its high average premiums. But if your budget allows for it, you’ll enjoy the company’s wide variety of coverage options and may even save some on premiums through the company’s many available discounts.
Some of the company’s unique discount options include savings for a car with a forward-collision warning and adaptive headlights. If you’re younger than 30, you can even save money by purchasing a policy with Amica if your parents already have one. Amica has the highest-rated customer satisfaction for New England drivers.
Pros
Highest customer satisfaction ranking from J.D. Power for New England drivers
Wide variety of coverage options
Many discounts available to help you save money
Cons
Highest average premiums for Connecticut drivers, compared to included insurers
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$139/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$232/mo
Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.
Pros
Well-established with superior ratings from A.M. Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Handled a claim ok, but they keep raising my price every 6 months.
Allstate likely appeals to young drivers because it provides many ways for college students to save money. The company offers a discount to students with an average GPA of 2.7 or higher (a B- average). You can also save money by completing the teenSMART driver education program. Allstate offers a discount to college students who leave their cars at home while away at school, too.
Pros
Multiple ways for young drivers to save
Unique coverage options, including insurance for classic cars and travel to Mexico
Many available discount options
Cons
Lowest customer satisfaction rating from J.D. Power for New England drivers
Rideshare coverage isn’t available in all states
More expensive than some competitors, which could be a problem for some college students
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$112/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$187/mo
In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Pros
Wide range of available discounts
Accident forgiveness available
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
I don’t like talking to a computer. I’m a one-on-one kind of person.
If you need an insurance policy to protect your luxury car — especially a brand-new one — you should consider Liberty Mutual. The company offers both new car and better car replacement coverages to ensure that if you total your car, you can replace it with a comparable or better vehicle.
Additional coverages that may appeal to luxury car owners include original parts replacement coverage and a lifetime repair guarantee, the latter of which means Liberty Mutual will cover all repairs while you own the vehicle and have repairs done at an in-network location. Finally, gap insurance coverage can ensure you won’t owe a huge amount on your loan if you total your car and it’s worth less than your loan balance.
Pros
Offers many coverages ideal for luxury car owners
Unique discounts including homeowner, military, and early shopper
Good drivers earn savings through the RightTrack program
Cons
Earned below-average customer satisfaction ranking from J.D. Power in New England
More expensive than many competitors on the list
Lower Insurify Quality Score than most competitors on the list
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$202/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$268/mo
For a little more than 20 years, Direct Auto has specialized in providing insurance for non-standard drivers who may struggle to find affordable coverage elsewhere, and to drivers who need SR-22 certification. Today, the company sells car, motorcycle, and term life insurance, car insurance in Mexico, roadside assistance, and vehicle protection plans. Direct operates in just 16 states. The company has an A+ rating from A.M. Best for financial and credit strength, but nearly 35 times the number of expected complaints in the National Association of Insurance Commissioners Customer Complaint Index.
Pros
Customers can bundle car insurance with other auto-related products
Direct Auto, one of a few companies that offer a discount specifically for older drivers, provides policyholders with a customizable payment schedule. If you’re 55 or older, you can save money on your Direct Auto premium by completing a motor vehicle accident-prevention course. The company has higher premiums than most companies, but it also offers one of the largest lineups of discounts, including savings for military members, safe drivers, homeowners, and members of certain affinity groups.
Pros
Discount offered for senior drivers
Customizable payment schedule
More discount options than most competitors on the list
Cons
Fewer coverage options than most competitors on the list
Expensive premiums compared to other companies
Lowest Insurify Quality Score of any company on the list
Find Car Insurance in Connecticut
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Based on 3,806+ reviews
4.8/5
How Insurify’s experts used internal proprietary data to rate the top auto insurers
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.
The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all driver ages, gender, credit scores, and driver profiles for Connecticut drivers.
How to shop for the best car insurance in Connecticut
The first step to finding the right car insurance policy in Connecticut involves considering what you need in a policy. Auto insurance companies offer different coverage options and discounts, and you can easily narrow down your search by researching the companies that offer the type of policy you need.
A handful of factors you may want to think about while making your decision include:
Coverage options: Choose an insurer that offers the coverage you need. All insurers offer basic coverages like liability, comprehensive, and collision coverage. But if you need specialty coverages — like gap insurance, rideshare coverage, or roadside assistance — narrow down your list accordingly.
Discounts: You can save a lot of money on your insurance policy with the right discounts. Different insurers offer different discounts, so make note of the ones that offer discounts you’ll qualify for.
Customer service: If you ever need to file an insurance claim, you’ll want to have an insurer with good customer service. Online customer reviews and J.D. Power rankings can help you learn how a company stacks up against the competition.
Average premiums: Most people heavily consider cost when choosing a car insurance policy. You should choose an insurer that fits your budget.
States where available: Not all insurers offer policies in every state. Additionally, states may not offer certain discounts or coverages in all the states where they offer policies.
How to get the cheapest car insurance in Connecticut
The cost of car insurance can vary significantly based on each policyholder and car insurance company. Many factors affect car insurance rates, including your driving record, location, gender, age, credit score, vehicle type, and coverage amount.[4]
Regardless of your situation, you can always find ways to save money on your policy:
Shop around.Comparing quotes from multiple insurers is the best way to find the most affordable policy for your coverage needs. Even among the companies included in the above list, average rates vary by hundreds of dollars.
Bundle your policies. If you have multiple types of insurance, you may save money by keeping them all with the same company. Most insurers offer discounts for bundling two or more policies with them.
Take advantage of discounts. Make sure to take advantage of any discounts that apply to you and possibly even choose an insurer with the best discounts for your situation.
Adjust your coverage. Generally speaking, the higher your coverage limits, the more you’ll pay for your policy. Assess whether you have enough coverage. You can save on premiums if you decide to reduce your coverage.
Raise your deductible. An inverse relationship exists between your deductible and your premiums. As your deductible increases, your premiums decrease. You can save money by raising your policy deductible.
Minimum car insurance requirements in Connecticut
Like nearly every other state, Connecticut requires all drivers to carry a minimum amount of insurance to operate a vehicle legally. Here are the coverage limits Connecticut requires:
$25,000 per person/$50,000 per accident in bodily injury liability: This coverage pays for expenses related to injuries sustained by other drivers in an accident you caused.
$50,000 per accident in property damage liability: Another type of liability insurance, this covers expenses related to damage you cause to other peoples’ property in an accident.
$25,000 per person/$50,000 per accident in uninsured/underinsured motorist: If an uninsured or underinsured driver causes an accident, this pays for your injuries and damage to your property.[5]
Liability-only vs. full-coverage insurance in Connecticut
Connecticut only requires drivers to have liability insurance and uninsured/underinsured motorist insurance. By opting for the state’s minimum coverage, you can get the most affordable premiums.
“It can make sense to get liability-only when the car is older or the value is very low,” says Scott Hammersand, a licensed insurance agent and personal lines advisor with Overmyer Hall Associates.
But only having liability coverage can also put you at serious financial risk. With liability-only coverage, your insurance policy won’t pay for damage to your vehicle in an accident, severe weather, or theft. If you want added protection for your vehicle, you should consider purchasing full-coverage insurance, which includes collision coverage for vehicle damage from a collision and comprehensive coverage for damages from noncollision incidents like natural disasters or vandalism.
“Full coverage makes sense for almost everyone that has a car that is less than 15 years old,” Hammersand says. “If you feel the cost is too much, consider a high deductible before removing the coverage altogether.”
The table below shows the average liability-only and full-coverage quotes for the top 10 auto insurers in Connecticut. The cost of liability-only insurance from State Farm costs about $319 less per month than liability-only coverage from Amica.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Connecticut car insurance rates by driving and accident history
Your driving history significantly affects your insurance rates. Drivers with a clean record tend to earn the lowest average rates. An at-fault accident, speeding ticket, DUI, or another violation on your record can cause your premiums to increase. In Connecticut, driving violations stay on your record — and affect your premiums as a result — for between three and 10 years.[6]
Generally speaking, the more serious a violation, the more your rate will increase. Failing to stop at a stop sign may have only a minor effect on your premiums, while driving under the influence of drugs or alcohol could cause your rates to increase dramatically and even disqualify you from receiving coverage from some insurers.
“A bad driving history can limit which carriers will accept you, which can greatly impact your situation,” Hammersand says.
The table below shows how certain violations can affect your premiums for each of the insurers in this article.
Car Insurance Company
Clean Record
At-Fault Accident
With a DUI
Speeding Ticket
State Farm
$107
$153
$213
$144
GEICO
$131
$188
$261
$176
Travelers
$146
$208
$290
$195
State Auto
$207
$296
$412
$277
Nationwide
$207
$295
$411
$277
Progressive
$252
$360
$500
$337
Amica
$528
$755
$1,050
$707
Allstate
$250
$358
$498
$335
Liberty Mutual
$260
$371
$516
$348
Direct Auto
$340
$485
$676
$455
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
SR-22 insurance in Connecticut
Following a serious driving violation, you may need to file an SR-22 certificate — also known as a certificate of financial responsibility. Connecticut may require one after a DUI, reckless driving, or another violation that qualifies you as a high-risk driver.
An SR-22 serves as additional proof that you have the minimum car insurance required by your state. In most cases, you or your insurer will have to file the SR-22 with your state’s DMV.
Some insurers don’t offer SR-22 certificates, so you’ll need to find one that serves high-risk drivers. Additionally, if your state requires you to have an SR-22, your premiums will likely increase due to your serious driving violation.
Your credit score can also affect your insurance rates. While some states prevent insurers from using credit scores as a factor, Connecticut allows the practice.
Data has generally shown a correlation between credit history and the likelihood of filing an insurance claim. Insurers generally view drivers with excellent or good credit scores as less likely to file a claim and consider drivers with poor credit scores as more likely to file one.
Based on this data, insurers adjust insurance premiums accordingly. Generally speaking, the better your credit history, the lower your insurance premiums will be, and vice versa.
Car insurance quotes in Connecticut cities
Your location within the state can also affect your insurance premiums. Rates can vary drastically from one city to the next within Connecticut.
“Overall, the biggest impact on location is being in the city compared to being in a rural area,” Hammersand says. “Less populous areas are generally less expensive.”
Insurance rates vary by location due to risk factors like population density, crime rates, and more. Some parts of the state could have a higher rate of accidents or vehicle thefts. As a result, drivers in those areas could pay more for car insurance.
The table below shows the cheapest and most expensive cities in Connecticut for car insurance.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Connecticut car insurance rates by driver age
As you get older, you may see how age can affect insurance rates. Generally speaking, teen drivers present the greatest risk to insurance companies of all age groups, due to their lack of experience driving, statistically high crash rates, and greater likelihood of filing claims.
As you can see in the table below, insurance premiums generally decline as a driver ages. Once someone reaches their 70s, however, their premiums will likely rise a bit again.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in Connecticut FAQs
Find answers to common questions about choosing the right policy in Connecticut below.
Who has the cheapest car insurance in Connecticut?
State Farm has the all around cheapest insurance rates for both liability-only and full-coverage insurance in the state.
GEICO, Travelers, and State Auto also offer some of the cheapest average rates. You should shop around to find the cheapest rate for your situation.
What is the required car insurance coverage in Connecticut?
Connecticut’s minimum insurance requirements state that drivers must carry at least $25,000 per person and $50,000 per accident of bodily injury liability coverage and $25,000 per accident in property damage liability coverage. This requirement is on par with most other states. Drivers must also have at least $25,000 per person and $50,000 per accident of uninsured/underinsured motorist coverage.
What are the best car insurance companies in Connecticut?
The best car insurance company in Connecticut for you depends on what you value in an insurer. Travelers is the overall best choice for Connecticut drivers because of its affordable premiums, high Insurify Quality Score, and solid financial strength ratings, according to Insurify research.
Travelers policyholders pay $131 per month for liability coverage and $146 per month for full coverage. Other top insurers include GEICO for affordability and State Farm for cheap rates.
How does credit score affect car insurance premiums in Connecticut?
Generally speaking, drivers with good credit scores tend to pay lower insurance premiums. Data shows a relationship between a driver’s credit history and their likelihood of filing a claim, and insurers view drivers with good credit as a lower risk to insure.
Is Connecticut a no-fault state?
No. Connecticut is no longer a no-fault state. Up until 1994, the state had a no-fault law that required all drivers to purchase basic reparations coverage that paid for their medical expenses and lost wages after an accident, regardless of fault. But the state has since repealed the no-fault law.
Insurify Insights
How Connecticut Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Connecticut below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Connecticut drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Connecticut
#50
State with the Most Speeding Tickets Rank
#49
State with the Moving Violations Rank
#46
State with the Most DUIs Rank
#45
State with the most Suspended Licenses
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. Connecticut is the #33 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #33
Percent of drivers in Connecticut with an accident: 8%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Connecticut is the #46 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #46
Percent of drivers in Connecticut with a DUI: 0.8%
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. Connecticut is the #48 state in the country for drivers with a reckless driving offense on record.
Rank among states: #48
Percent of drivers in Connecticut with a reckless driving offense: 0.8%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Connecticut is the #47 state in the country for drivers with a rude driving violation on record.
Rank among states: #47
Percent of drivers in Connecticut with a rude driving violation: 1%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Connecticut is the #50 state in the country for drivers with a speeding ticket on record.
Rank among states: #50
Percent of drivers in Connecticut with a speeding ticket: 4.1%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Connecticut is the #44 state in the country for drivers with a failure to yield violation on record.
Rank among states: #44
Percent of drivers in Connecticut with a failure to yield violation: 0%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.