Cheapest Auto Insurance in Connecticut (2025)
State Farm has the cheapest liability quotes in Connecticut, at $74 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byJacqueline DeMarco
)
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
){kind=small}
){kind=small}
)
Edited byAshley Cox
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Connecticut drivers spend an average of $260 per month on car insurance coverage, which is higher than the national monthly average of $151.
That’s because location-specific factors can affect your insurance premium. For example, Connecticut drivers typically deal with dangerous driving conditions when it snows heavily in the winter, which could lead to filing more claims and increased rates.[1]
Here’s what you need to know about comparing quotes and finding cheap car insurance in Connecticut.
Quick Facts
State Farm, CSAA, and USAA offer the cheapest liability car insurance in Connecticut.
On average, Connecticut drivers pay $204 per month for liability insurance and $316 for full-coverage insurance.
Connecticut drivers must carry a minimum of $50,000 in bodily injury liability per accident, $25,000 in property damage liability, and $50,000 in uninsured/underinsured motorist coverage per accident.
3 of the cheapest car insurance companies in Connecticut
The car insurance company you choose to buy coverage from can play a major role in how much you pay for your policy. While it’s tempting to look for the insurer that offers the cheapest possible policy, it’s a good idea to consider which one has the insurance products and customer experience you’re looking for.
Here are a few of the best car insurance companies for Connecticut drivers.
State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $74/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. | $114/mo |
4.1
Best choiceBased on 11,217 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,027)
John N
June 18, 2025
Verified Review
I've compared prices, and this company offers a better price than other options with excellent coverage.
I've compared prices, and this company offers a better price than other options with excellent coverage.
Jane
June 16, 2025
Verified Review
Looking for a Better Price
The cost is high and has increased by $80 since 2022.
Jeff
June 16, 2025
Verified Review
Good but at a cost.
They pay claims out without evaluating the evidence. While quick on the initial part of the claim, if it is more complex, it takes a bit longer (4 weeks to determine a totaled vehicle that was obvious to anyone who looked at it). Others are quick to assign blame without taking in evidence from you.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
838NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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++Why we picked this company
You can save on your car insurance policy with an insurer like State Farm, which offers a wide variety of discounts. Because car insurance costs more in Connecticut than in some other states, it’s a good idea to ask about potential discounts with State Farm, including those for having safety features in your car, finishing a defensive driving course, or earning good grades.
Pros
AM Best financial strength rating of A++ (Superior)
Many potential discounts
Cons
Can’t enroll online
Doesn’t offer gap insurance
GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $149/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. | $193/mo |
4.0
Best choiceBased on 11,957 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,425)
Stephen
June 18, 2025
Verified Review
Insurance premiums are too high
My experience with Geico has been good, but my premiums are very high due to claims.
Ana
June 17, 2025
Verified Review
Thought it was going to be lengthy but it wasn't. Comparing rates was very easy.
Take the time to compare rates. It is worth it.
Sarah
June 16, 2025
Verified Review
Friendly but Incompetent Customer Service
Their customer service reps are friendly but not particularly helpful. My registration got suspended because they had my VIN wrong, even though when I called they assured me they had it corrected in their system. I didn't find out until I got pulled over by a cop for not having valid registration.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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++Why we picked this company
Connecticut is one of the most expensive states to live in. To save on coverage, Connecticut residents may appreciate GEICO’s option to bundle multiple insurance products — like homeowner, condo, and mobile home insurance — with their auto policy at a discount. The company has an AM Best financial strength rating of A++ (Superior).
Pros
Highly rated mobile app
Top customer satisfaction rating in New England in J.D. Power’s 2024 U.S. Auto Insurance Study
Cons
Gap insurance not available
Rideshare coverage not available
USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $101/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. | $155/mo |
4.9
Best choiceBased on 2,094 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,192)
John
June 17, 2025
Verified Review
USAA Critique
High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.
Marlon
June 15, 2025
Verified Review
Don't let them hook you
Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.
Timothy
June 10, 2025
Verified Review
The Old Bait and Switch
There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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++Why we picked this company
Veterans and their family members can potentially save on car insurance with USAA. This insurer caters to military members, veterans, and their families with competitive rates and policies customized to their unique needs. For example, USAA offers discounts for customers who store their vehicles on a military base during a deployment.
Pros
Specialized military discounts
AM Best financial strength rating of A++ (Superior)
Cons
Requires membership to be eligible for coverage
Doesn’t offer gap insurance
State Farm vs. GEICO and USAA
If you’re shopping for car insurance in Connecticut, see how these three companies compare.
| | |
|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $94/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $171/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $128/mo* |
Overall rating 4.1 | Overall rating 4.0 | Overall rating 4.9 |
Value for money 3.9/5 | Value for money 3.8/5 | Value for money 4.9/5 |
Customer service 4.1/5 | Customer service 3.9/5 | Customer service 4.7/5 |
Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 4.9/5 |
Special highlight Customer serviceAI-generated from 6027 user reviews | Special highlight Teen driversAI-generated from 6425 user reviews | Special highlight Members of the military communityAI-generated from 1192 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
How to get the cheapest car insurance in Connecticut
Insurance companies consider various factors when determining your car insurance premium. Having a clean driving record often leads to lower premiums. The level of coverage you choose and the type of vehicle you own — including its make, model, and year — can also affect insurance costs.
To help you find more affordable car insurance in Connecticut, consider the following tips:
Compare quotes. Get quotes from multiple insurers to find the best rates. Make sure you request quotes for the same type and amount of coverage to get an accurate idea of which insurance company can offer you the best price.
Bundle policies. Combining auto and home insurance with the same company often leads to discounts.
Drive safely. Good drivers tend to save on car insurance. Avoid accidents and traffic violations to maintain a clean driving record and lower rates.
Ask about discounts. Many car insurance companies offer a variety of discounts. Before purchasing a policy, ask insurance agents from each company you’re considering about which discounts you may qualify for.
Find Cheap Car Insurance in Connecticut
Liability insurance quotes start at $74 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance quotes in Connecticut: State Farm
Liability-only car insurance provides coverage for bodily injury and property damage if you cause an accident. It doesn’t cover your medical bills or vehicle damage. While it offers limited protection, it can be a cost-effective option for drivers looking to fulfill legal obligations without the added expense of comprehensive or collision coverage.[2]
In Connecticut, liability-only policies cost an average of $204 per month. The following table highlights the cheapest car insurance quotes in Connecticut.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $74 |
| CSAA | $94 |
| USAA | $101 |
| Progressive | $111 |
| Safeco | $129 |
| Travelers | $148 |
| GEICO | $149 |
| Root | $161 |
| Nationwide | $164 |
| Allstate | $174 |
| Direct Auto | $212 |
| National General | $248 |
| Bristol West | $249 |
| Amica | $366 |
| Foremost | $417 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Connecticut: State Farm
The main difference between liability-only and full-coverage car insurance is how much protection you have. Full-coverage insurance includes liability, comprehensive, and collision coverage, offering protection for your vehicle as well.
If you lease your vehicle or have a new or expensive car, you may benefit from full-coverage insurance. In Connecticut, the average cost for a full-coverage policy is $316 per month.
The table below shows the cheapest monthly quotes for full-coverage policies.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $114 |
| CSAA | $155 |
| USAA | $155 |
| Safeco | $162 |
| Progressive | $179 |
| GEICO | $193 |
| Travelers | $228 |
| Root | $232 |
| Nationwide | $251 |
| Allstate | $266 |
| Direct Auto | $361 |
| Bristol West | $403 |
| National General | $407 |
| Amica | $561 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Connecticut
Connecticut drivers must carry a minimum amount of insurance to drive legally in the state, including liability insurance and uninsured/underinsured motorist coverage.
To better understand which types of insurance coverage you need in Connecticut, check out the following table:[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist | $25,000 per person / $50,000 per accident |
To more fully protect your vehicle, you should also consider buying one or more of the following optional insurance policies:
Collision coverage
When you have collision insurance, it pays for vehicle repair costs when you get in a car accident and damage another car or even a stationary object, no matter who’s at fault.
Comprehensive coverage
Comprehensive insurance helps pay for vehicle damages and loss from non-collision incidents, like fires, vandalism, natural disasters, or theft.
Uninsured/underinsured motorist coverage
If you want coverage for damages and injuries caused by a driver who doesn’t have adequate car insurance coverage, uninsured/underinsured motorist coverage can help.
Gap coverage
A gap insurance policy will pay the difference between the cost of your insurance settlement and the lease balance of an auto loan after your insurer declares the car as a total loss.
Average cost of car insurance by age
The average cost of car insurance fluctuates with age. Teen drivers pay higher car insurance premiums due to their lack of driving experience and greater accident risk.
Rates generally decrease around age 25 but start to increase again around age 70. Although senior drivers still pay lower-than-average rates, they may see an uptick in their rates because of age-related risk factors.
Age Group | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Teen drivers | $341 | $528 |
| Adult drivers | $201 | $311 |
| Senior drivers | $174 | $269 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Connecticut by driving record
If you have an incident on your driving record, insurers can raise your car insurance rates. Insurance companies consider driving infractions — such as speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations — as indicators of a high-risk driver, leading to increased premiums.
In Connecticut, drivers with a clean record pay an average of $204 per month for liability-only coverage, while drivers with an incident on their record pay an average of $236 for the same policy.
Cheapest car insurance rates in CT with a speeding ticket
A single speeding ticket can increase your car insurance rates. The quotes shown below are for Connecticut drivers with a speeding ticket.
*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in CT with an at-fault accident
Insurance companies may raise your rates after an at-fault accident. The quotes shown below are for Connecticut drivers with an at-fault accident.
*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in CT with a DUI
Insurers consider you a high-risk driver if you have a DUI on your record. The quotes shown below are for Connecticut drivers with a DUI.
*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in CT with an SR-22
High-risk drivers may need an SR-22 certificate to prove they meet their state’s minimum insurance requirements. The quotes shown below are for Connecticut drivers with an SR-22.
*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
What Is SR-22 Insurance, and Who Needs It
How car insurance rates have changed in Connecticut
Full-coverage car insurance costs in Connecticut rose to an average of more than $2,400 per year in 2024 — an 18% increase from 2023, according to an Insurify report. Factors like more severe weather events and more expensive vehicle repair costs are driving increases across the country.
The chart below shows how car insurance rates in Connecticut have changed over the past two years.
Average Connecticut Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Where you live in Connecticut can affect your car insurance rate, even down to the ZIP code. If you reside in a densely populated city, you may see higher rates compared to drivers living in rural areas.
The table below shows liability and full-coverage rates for different Connecticut cities.
The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
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.
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageDanbury $211 $334 New Britain $214 $346 Stamford $221 $366 Waterbury $265 $414 Bridgeport $290 $449 New Haven $310 $481 Hartford $314 $474 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 FAQs
Before you start shopping around for car insurance, you should determine the right amount of insurance for your needs. The following information should help you find cheap car insurance in Connecticut.
On average, car insurance in Connecticut costs $260 per month. Drivers in the state pay $204 per month for liability-only insurance and $316 for full coverage. The cost of your policy will depend on your driving record, credit history, age, vehicle type, ZIP code, and more.
State Farm has the cheapest liability car insurance in Connecticut, at $74 per month. Other affordable insurers include CSAA and USAA, which offer cheap liability coverage at $94 and $101 per month, respectively. The best way to find cheap car insurance is to compare quotes from multiple auto insurers.
The minimum car insurance requirements in Connecticut include $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage. Drivers must also carry $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
No. Connecticut is an at-fault state for car insurance. This means the at-fault driver must cover the other driver’s resulting medical expenses and vehicle repairs.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Best Car Insurance in Connecticut
June 18, 2025
)
Car Insurance Requirements in Connecticut
June 19, 2025
)
Gap Insurance in Connecticut
June 19, 2025
)
Average Car Insurance Cost in Connecticut
April 2, 2025
)
How to Get Auto Insurance on the Weekend
June 18, 2025
)
A Guide to New-Car Insurance
June 19, 2025
)
Commercial Auto Insurance for Small Businesses
March 7, 2025
)
The 10 Largest Auto Insurance Companies in the U.S.
June 19, 2025
)
Cheapest Car Insurance Quotes in Waterbury, CT
June 19, 2025
)
Cheapest Car Insurance Quotes in Stamford, CT
June 19, 2025
)
Best Cheap Car Insurance in New Haven, CT, From $74
June 19, 2025
)
Cheapest Car Insurance Quotes in Danbury, CT
June 19, 2025
)
Cheap Car Insurance in Bridgeport, CT, Starting at $70
June 19, 2025
)
How to Find Cheap Commercial Auto Insurance
February 14, 2025
Commercial Auto Insurance for Small Businesses
March 7, 2025
)
Pros and Cons of 12-Month Car Insurance Policies
June 19, 2025
Sources
- Connecticut State Division of Emergency Management and Homeland Security. "Winter Weather Awareness."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Connecticut Insurance Department. "Auto Insurance Coverage Information."
)
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.