4.8out of 3,000+ reviews
Cheap Car Insurance in Connecticut (With Quotes, May 2022)
- Personalized quotes in 5 minutes or less
- No signup required
4.8out of 3,000+ reviews
Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated May 10, 2022
With its mix of coastal cities and rural towns, there’s a lot to discover in Connecticut. If you’re a Connecticut driver, the state law requires you to carry the minimum liability coverage and underinsured/uninsured motorist coverage. Whether you are shopping for the minimum coverage or full-coverage car insurance, Insurify can help you find the cheapest rates.
See More: Cheap Car Insurance
See More: Cheap Car Insurance No Deposit
The average cost of car insurance in Connecticut is $297 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.
The key to finding affordable car insurance is getting auto insurance quotes from multiple providers. In Connecticut, auto insurance rates can go as low as $148 or as high as $399, amounting to a $3,012 annual difference. You can find average rates for some of the cheapest auto insurance companies in Connecticut below.
Car Insurance Company | Average Monthly Quote |
---|---|
Kemper Preferred | $148 |
Travelers | $158 |
Progressive | $168 |
State Auto | $170 |
Safeco | $195 |
Plymouth Rock | $213 |
Liberty Mutual | $245 |
Midvale Home & Auto | $259 |
Nationwide | $279 |
Direct Auto | $303 |
National General | $312 |
Stillwater | $321 |
Bristol West | $399 |
See More: Car Insurance Quotes
You must carry both bodily injury liability and property damage liability car insurance to drive in Connecticut. A liability-only insurance policy can be as cheap as just $81 per month—or $972 per year—but it’s important to know that it only covers the damage that the other driver sustains in the event of a car accident, and you would still need to cover your own damage out of pocket.
Car Insurance Company | Average Monthly Quote |
---|---|
Kemper Preferred | $81 |
State Auto | $107 |
Safeco | $127 |
Progressive | $134 |
Midvale Home & Auto | $182 |
Liberty Mutual | $197 |
Plymouth Rock | $199 |
Stillwater | $224 |
National General | $240 |
Nationwide | $272 |
Direct Auto | $281 |
Bristol West | $314 |
Full-coverage car insurance is more expensive than a liability-only auto insurance policy, but you can still find cheap coverage if you shop around. Comprehensive coverage and collision coverage will cover the damage to your vehicle in the event of an accident or theft.
Car Insurance Company | Average Monthly Quote |
---|---|
Travelers | $159 |
Kemper Preferred | $159 |
State Auto | $187 |
Progressive | $193 |
Safeco | $214 |
Plymouth Rock | $223 |
Liberty Mutual | $274 |
Nationwide | $281 |
Midvale Home & Auto | $283 |
Direct Auto | $321 |
Stillwater | $333 |
National General | $366 |
Bristol West | $453 |
Some car insurance companies in Connecticut do more than just offer the best rates. Insurify uses the latest technology to research insurance providers and assign an Insurify Composite Score (ICS) to them. This score reflects the quality of service and auto insurance coverage that Connecticut auto insurance companies provide. Find the providers with the highest ICS below.
Car Insurance Company | ICS | Average Monthly Quote |
---|---|---|
Nationwide | 89 | $279 |
Safeco | 86 | $195 |
Liberty Mutual | 82 | $245 |
Travelers | 80 | $158 |
State Auto | 76 | $170 |
National General | 58 | $312 |
See More: Best Car Insurance Companies
The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Insurance providers determine the cost of your car insurance policy by taking into account various factors, such as your age and vehicle model. Out of all of these factors, your driving history is one of the most important and can either increase auto insurance rates or keep them down. Good drivers with no accident history have access to the cheapest rates.
See More: High-Risk Car Insurance Connecticut
There is no standard definition of what a “good driver” is in Connecticut, and different insurance providers define it in different ways, but typically, it is a driver with a clean driving record going back a certain number of years. Good drivers in Connecticut can expect their average monthly car insurance quote to be as cheap as $142.
Car Insurance Company | Average Monthly Quote |
---|---|
Kemper Preferred | $142 |
State Auto | $144 |
Travelers | $151 |
Progressive | $164 |
Safeco | $182 |
Plymouth Rock | $203 |
Midvale Home & Auto | $228 |
Liberty Mutual | $240 |
Nationwide | $275 |
Direct Auto | $290 |
National General | $297 |
Stillwater | $325 |
Bristol West | $373 |
Having a DUI on your record can cause your car insurance premiums to rise. For example, the average quote for a driver with a DUI with Safeco is $213 monthly, $31 higher than an average quote for a good driver. Similarly, a driver with a DUI can expect to pay $369 per month with Nationwide, $94 more than an average quote for a good driver with the same provider.
Car Insurance Company | Average Monthly Quote |
---|---|
Progressive | $120 |
Liberty Mutual | $179 |
Safeco | $213 |
Plymouth Rock | $239 |
Direct Auto | $255 |
National General | $288 |
Midvale Home & Auto | $325 |
Bristol West | $364 |
Nationwide | $369 |
See More: SR-22 Insurance Connecticut
If you have a DUI conviction on your driving record, you will likely need to get a special SR-22 form from your insurer to get back on the road. You will only have to pay a one-time fee to get your SR-22, but it will likely increase your car insurance premiums.
These are the insurance companies that offer SR-22 in Connecticut:
An at-fault accident on your driving record is another reason why your car insurance premiums may be higher than average. According to Insurify data, drivers with an at-fault accident on their records can expect their monthly premium with Bristol West to go up by $113, rising from $373 to $486. This increase means a $1,356 jump in your annual rate.
Car Insurance Company | Average Monthly Quote |
---|---|
Travelers | $158 |
Kemper Preferred | $165 |
Progressive | $167 |
Plymouth Rock | $229 |
Safeco | $235 |
State Auto | $258 |
Liberty Mutual | $280 |
Nationwide | $293 |
Stillwater | $301 |
Midvale Home & Auto | $368 |
Direct Auto | $376 |
National General | $388 |
Bristol West | $486 |
Speeding tickets can make your car insurance provider label you as a “high-risk driver” who is more prone to causing accidents and filing claims. Having a speeding ticket on your record can make your annual car insurance rates go up by $744 with National General and $432 with Safeco. Use Insurify to find cheap car insurance with speeding tickets on your record.
Car Insurance Company | Average Monthly Quote |
---|---|
Stillwater | $182 |
Kemper Preferred | $196 |
Travelers | $212 |
Progressive | $213 |
Safeco | $218 |
Liberty Mutual | $249 |
State Auto | $273 |
Nationwide | $294 |
Plymouth Rock | $319 |
Midvale Home & Auto | $355 |
National General | $359 |
Direct Auto | $395 |
Bristol West | $469 |
Most insurance providers use your credit history to determine your car insurance quotes as they rely on historical data which shows that drivers with lower credit scores file more claims than drivers with higher credit scores. As such, Connecticut drivers with a poor credit score can expect to pay up to 55 percent more for car insurance than drivers with an excellent score.
Credit Tier | Average Monthly Quote |
---|---|
Excellent | $214 |
Good | $228 |
Average | $266 |
Poor | $332 |
See More: Bad Credit Car Insurance Connecticut
Your car insurance quote depends on where in Connecticut you live. Hartford and Bridgeport residents can expect the highest average car insurance rates—$347 and $340, respectively—while West Hartford drivers have access to the cheapest rates, $208 per month. To find cheap car insurance regardless of where in Connecticut you live, use Insurify.
City | Average Monthly Quote |
---|---|
Bridgeport | $340 |
New Haven | $330 |
Stamford | $254 |
Hartford | $347 |
Waterbury | $322 |
Norwalk | $238 |
Danbury | $258 |
New Britain | $280 |
West Hartford | $208 |
Bristol | $253 |
Teen drivers and young drivers under 25 can expect the highest average car insurance rates in Connecticut, at $563 and $443 per month. This is because insurance providers think of less experienced drivers as “high-risk.” As you gain more experience on the road, your car insurance rates will become cheaper, going down to $186 per month for drivers in their 60s.
Age Group | Average Monthly Rate |
---|---|
Teenagers | $563 |
Under 25 | $443 |
20s | $332 |
30s | $227 |
40s | $235 |
50s | $225 |
60s | $186 |
70s | $194 |
80+ | $211 |
Every state has minimum insurance requirements, and Connecticut is no exception. Additionally, all drivers in Connecticut will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Connecticut.
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:
The DMV—or department of motor vehicles—is a government agency that is responsible for renewing vehicle registration and driver’s licenses, transferring ownership, canceling plates and registration, and more.
The Connecticut DMV is open by appointment only. However, it also offers many of its services online. For example, you can request a duplicate driver’s license and a duplicate non-driver ID, obtain your driving history, or change your address from your laptop.
The most convenient way to get around the state and Connecticut cities is by car. However, Connecticut also has an extensive public transportation system to support alternatives to driving. There are local and express buses available as well as three rail lines to travel around the state.
When shopping for cheap car insurance in Connecticut, it’s important to explore your options. This is because no two auto insurance companies use the same algorithm to weigh factors such as your driving history and age to calculate your quote. As a result, your insurance premiums can be as cheap as $81 and as expensive as $563, depending on your unique circumstances.
Insurify is an AI-powered comparison tool that helps you get access to 10+ cheap and personalized quotes from the best car insurance companies in Connecticut in just a few minutes. Simply answer basic questions about yourself, your vehicle, and coverage preferences and compare your cheap car insurance quotes side by side until you find the best offer.
Yes, all Connecticut drivers must carry the state minimum required car insurance coverage. To drive legally, you need to have at least the minimum liability insurance and underinsured/uninsured motorist coverage (bodily injury only). However, if you are financing your car, your lending institution may require you to get full coverage or gap insurance.
The best way to find cheap car insurance in Connecticut is to get at least four quotes from different auto insurance providers. Instead of spending hours manually requesting quotes from different providers and then comparing them side by side to find the best one, use Insurify and get instant access to 10+ personalized cheap quotes.
No two drivers are the same, and car insurance quotes in Connecticut depend on various factors, such as your age, driving history, and the kind of coverage you are looking for. Mature drivers with a clean driving record can expect much cheaper car insurance rates than teen drivers with speeding tickets or at-fault accidents. Use Insurify to get your personalized quote today.
You can expect higher car insurance rates in Connecticut if you have DUIs, speeding tickets, and at-fault accidents on your record. Teen drivers and young drivers under 25 can also expect to pay above average rates. Use Insurify to find cheap car insurance in Connecticut, even if you are a young driver or don’t have a clean driving history.
No, Connecticut insurance laws do not require you to carry personal injury protection (PIP) coverage. You are only required to carry the minimum liability and underinsured/uninsured motorist coverage in bodily injury. If you are financing your vehicle, your lending institution may require you to get more coverage.
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:
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.
Most Popular Car in Connecticut
State with the Most Speeding Tickets Rank
State with the Moving Violations Rank
State with the Most DUIs Rank
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 #22 state in the country for drivers with an at-fault accident on their driving record.
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Connecticut is the #49 state in the country for drivers with a speeding ticket on record.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Connecticut is the #42 state in the country for drivers with a prior drunk driving conviction.
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 #31 state in the country for drivers with a rude driving violation on record.
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 #33 state in the country for drivers with a reckless driving offense on record.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Connecticut is the #40 state in the country for drivers with a failure to yield violation on record.
Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Connecticut is the #8 state in the country for drivers with a clean record.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Connecticut drivers rank #31 in hybrid and electric vehicle ownership across all fifty states.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.