Cheapest Auto Insurance in Connecticut (2024)

State Farm has the cheapest liability quotes in Connecticut, at $58 per month.

Jacqueline DeMarco
Jacqueline 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.

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Katie Powers
Edited byKatie Powers
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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.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 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 June 20, 2024

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Cheapest recent rates in Connecticut

Drivers in and around Connecticut have found policies from Travelers, CSAA, State Farm, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 20, 2024. 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 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

If you live in Connecticut, you can expect to spend an average of $285 per month on car insurance coverage, which is higher than the national average monthly premium of $160. Location-specific factors tied to your ZIP code, such as weather and crime rates, can affect your insurance premiums. For example, Connecticut drivers deal with dangerous driving conditions when it snows heavily in the winter, which could lead to filing more claims and increased rates.[1]

The best way to find cheap car insurance in Connecticut is to compare quotes from multiple insurance companies at once. Here’s what you need to know.

Quick Facts
  • State Farm, GEICO, and USAA offer the cheapest liability car insurance in Connecticut.

  • On average, Connecticut drivers pay $206 per month for liability insurance and $365 for full-coverage insurance.

  • Auto insurers in Connecticut can consider credit history when determining car insurance premiums.[2]

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 options for Connecticut drivers.

Insurance CompanyIQ 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.
Full CoverageLiability Only
State Farm9.3$97$58
GEICO9.0$118$71
USAA9.4$132$79
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for discounts: GEICO

Compare personalized, real-time quotes
IQ 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.
9.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
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.
$71/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.
$118/mo

Connecticut is the 12th most-expensive state to live in.[3] To help save a little money, 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 2023 U.S. Auto Insurance Study[4]

Cons
  • Gap insurance not available

  • Rideshare coverage not available

Read our GEICO review
Solomon - June 20, 2024
Verified

Educated Consumer

It's a good company; however, search other companies for a cheaper cost.

Gloria - June 20, 2024
Verified

Expensive

It's a good insurance, just expensive for me at this time.

George - June 20, 2024
Verified

Been with them for 22 years and no one has yet beaten their price for me

Check with other companies first. One of the best things they offer is a monthly policy term.

Best insurer for bundling: State Farm

Compare personalized, real-time quotes
IQ 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.
9.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
838
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.
$58/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.
$97/mo

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 inquire about potential discounts with State Farm, including 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

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

Best insurer for military families: USAA

Compare personalized, real-time quotes
IQ 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.
9.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$79/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.
$132/mo

About 150,000 veterans live in Connecticut. Veterans and their family members can potentially save on car insurance with USAA.[5] 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

Read our USAA review
Claude - June 20, 2024
Verified

Excellent

Outstanding all the time.

Christie - June 18, 2024
Verified

Ok

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

John - June 18, 2024
Verified

USAA is tough to beat

I have yet to receive a quote that beats USAA!

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. Ask for 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 insurer 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 $58 per month

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Cheapest liability-only car insurance 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 own 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.[6]

In Connecticut, liability-only policies cost an average of $206 per month. The following table highlights the other cheapest car insurance policies in Connecticut.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Monthly Quote
State Farm$58
GEICO$71
USAA$79
Liberty Mutual$91
Midvale Home & Auto$103
Progressive$109
Travelers$116
CSAA$127
Nationwide$127
Allstate$135
National General$223
Direct Auto$225
Foremost$242
Bristol West$245
Amica$284
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.

Cheapest full-coverage car insurance in Connecticut: State Farm

The main difference between liability-only and full-coverage car insurance is how much protection you have. Liability-only insurance covers the other driver’s injuries and property damage, excluding your own injuries or vehicle damage. Full-coverage insurance also includes comprehensive and collision coverage, offering protection for your vehicle as well.

If you have a new or expensive car or lease your vehicle, you may benefit from full-coverage insurance. Full-coverage policies in Connecticut cost $365 per month, on average.

The below table shows which Connecticut insurers offer the cheapest monthly quotes for full-coverage policies.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Monthly Quote
State Farm$97
GEICO$118
USAA$132
State Auto$148
Liberty Mutual$174
Progressive$183
Midvale Home & Auto$184
CSAA$185
Travelers$195
Nationwide$213
Allstate$226
Foremost$271
Direct Auto$411
Bristol West$412
Amica$476
National General$491
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.

Cheapest recent rates in Connecticut

Drivers in and around Connecticut have found policies from CSAA, State Farm, Allstate, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 20, 2024. 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:[7]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance helps pay for vehicle damages and loss from non-collision incidents, like fires, vandalism, natural disasters, or theft.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

Cheapest car insurance for drivers with an incident

For drivers with incidents on their records — including speeding tickets, driving under the influence, at-fault accidents, and other moving violations — finding the cheapest rates can be challenging. Insurers consider these incidents as indicators of higher risk, leading to increased premiums.

At-fault accidents and traffic violations suggest a higher likelihood of future claims, prompting insurers to raise rates to offset potential payouts. On average, Connecticut drivers with a past incident on their record pay $271 per month for liability insurance.

Shop for Car Insurance in Connecticut

Monthly rates start at $71 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding tickets typically lead to increased car insurance rates, as they signal a higher risk of getting into car accidents. On average, liability car insurance for drivers with a speeding ticket in Connecticut costs $285 per month.

To help you find more affordable rates, review the following table to see the cheapest insurers for drivers with a speeding ticket on their record.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith Speeding Ticket
State Farm$58$73
GEICO$71$91
USAA$79$101
Liberty Mutual$91$128
Midvale Home & Auto$103$136
Progressive$109$140
Travelers$116$149
CSAA$127$166
Nationwide$127$164
Allstate$135$172
National General$223$282
Direct Auto$225$289
Foremost$242$340
Bristol West$245$311
Amica$284$392
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.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Having an at-fault accident suggests a higher likelihood of filing future claims. Insurance companies raise premiums to offset the potential cost of covering damages and injuries. The severity of the car accident and the resulting claims history contribute to the determination of rate increases.

Liability car insurance for drivers in Connecticut with an at-fault accident costs an average of $280 per month. Here are other affordable insurers for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith Accident
State Farm$58$75
GEICO$71$93
USAA$79$103
Liberty Mutual$91$130
Midvale Home & Auto$103$142
Progressive$109$144
Travelers$116$152
CSAA$127$173
Nationwide$127$167
Allstate$135$176
National General$223$291
Direct Auto$225$299
Foremost$242$345
Bristol West$245$314
Amica$284$399
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.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI is a serious driving offense that indicates risky behavior, so insurance premiums rise substantially for drivers with a DUI conviction. Driving under the influence increases the likelihood of accidents, injuries, and claims.

Drivers in Connecticut with a DUI pay a monthly average of $321 for a liability-only policy.

Review the table below to get an idea of affordable insurers for drivers with a DUI on their record.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith DUI
State Farm$58$94
GEICO$71$115
USAA$79$128
Liberty Mutual$91$148
Midvale Home & Auto$103$167
Progressive$109$177
Travelers$116$188
CSAA$127$206
Nationwide$127$206
Allstate$135$219
National General$223$362
Direct Auto$225$365
Foremost$242$393
Bristol West$245$398
Amica$284$408
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.

Cheapest car insurance for seniors: State Farm

As you get older, you gain more maturity and driving experience. Rates typically decrease steadily with age between 35 and 70. However, rates may increase for drivers 70 and older as aging brings related health and safety concerns. 

Senior drivers pay an average of $149 per month for liability insurance in Connecticut.

Seniors looking for cheap coverage can start their search with one of the insurers below.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyLiability OnlyFull Coverage
State Farm$42$70
GEICO$53$88
USAA$59$99
Liberty Mutual$68$131
Progressive$73$122
Midvale Home & Auto$74$132
Travelers$85$143
Nationwide$89$149
CSAA$93$135
Allstate$102$170
Direct Auto$163$298
National General$164$362
Foremost$177$198
Bristol West$184$309
Amica$199$334
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.

Cheapest car insurance for teens: State Farm

Teenage car insurance rates are higher than costs for adults, as young drivers lack driving experience. To secure the cheapest car insurance as a teen, it can be helpful to join their parents’ insurance plan, opt for a safe car, and take advantage of good student discounts.

A liability-only policy in Connecticut costs teen drivers an average of $359 per month. Compare quotes from other affordable insurance companies below.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyLiability OnlyFull Coverage
State Farm$97$162
GEICO$110$183
USAA$129$216
Liberty Mutual$166$317
Midvale Home & Auto$175$313
Progressive$194$326
CSAA$205$299
Travelers$206$346
Nationwide$214$359
Allstate$233$390
Direct Auto$404$739
Bristol West$411$691
National General$421$927
Foremost$424$474
Amica$427$715
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.

Find Car Insurance in Connecticut

Compare real-time quotes from top insurers

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Connecticut car insurance quotes by credit tier

Like most states, Connecticut allows insurers to consider credit scores when determining car insurance rates. Excellent or good credit scores can result in lower premiums, as they reflect a lower financial risk for the insurer. On the other hand, drivers with poor credit scores may face higher rates. Maintaining an excellent or good credit score is crucial for securing favorable car insurance rates.

Compare average quotes for full-coverage insurance by credit tier below.

Rates by Credit Tier

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.

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.

  • How much is car insurance in Connecticut?

    Connecticut drivers pay $206 per month for liability insurance and $365 for full-coverage insurance, on average. The overall cost of coverage in the state is $285 per month. Ultimately, the cost of your policy will depend on your driving record, credit history, age, and more.

  • Which companies have the cheapest car insurance in Connecticut?

    State Farm offers the cheapest liability car insurance in Connecticut, with a monthly rate of $58. GEICO has the second-cheapest car insurance option, at $71 per month. And USAA has affordable liability car insurance for $79 per month. The best way to find cheap car insurance is to compare quotes from multiple auto insurers.

  • What are the best car insurance companies in Connecticut?

    With a high Insurify Quality (IQ) Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and customizable coverage options, State Farm is the best car insurance company in Connecticut.

    On average, State Farm policyholders in the state pay $58 per month for liability and $97 for full-coverage insurance.

  • What are the minimum car insurance requirements in Connecticut?

    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.

  • Is Connecticut a no-fault state for car insurance?

    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.

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

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.

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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Connecticut State Division of Emergency Management and Homeland Security. "Winter Weather Awareness."
  2. FindLaw. "U.S. Federal and State Cases, Codes, and Articles."
  3. Missouri Economic Research and Information Center. "Cost of Living Data Series."
  4. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  5. United States Census Bureau. "QuickFacts Connecticut."
  6. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  7. Connecticut Insurance Department. "Auto Insurance Coverage Information."
Jacqueline DeMarco
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
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.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

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