Cheapest Car Insurance Quotes in Connecticut

State Farm is one of the cheapest insurers in Connecticut, with an average liability rate of $82 per month. Get real-time car insurance quotes and buy your policy in minutes, completely online with Insurify.

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Cheapest recent car insurance quotes in Connecticut

Recent Connecticut car insurance prices for Jeep, Nissan, Chevrolet, and more.

*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on August 21, 2026. 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 August 21, 2026. 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 August 21, 2026. 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 August 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Carley Clark
Written byCarley Clark
Carley Clark
Carley ClarkInsurance Writer
  • 5+ years experience in personal finance writing

  • Personal finance blogger

Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.

She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.

When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog. 

MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969

MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, 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
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.

Updated

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Cheapest car insurance quotes in Connecticut

Car insurance in Connecticut costs well above the national U.S. average, with monthly premiums averaging $162 for liability-only coverage and $223 for full coverage.

Average auto insurance rates tend to be higher in Connecticut due to its population density, traffic congestion, and severe weather. From July 2023 to June 2024, Connecticut experienced its wettest year on record.[1] The state also saw a 28% increase in vehicle theft from 2010 to 2024, according to the Connecticut Office of Policy and Management.[2]

We’ve collected quotes from 120+ insurers to help you find cheap car insurance in Connecticut. Below, you can see the most affordable insurers by coverage level and driving record.

Driver Category
Cheapest Insurance Company in CT
Cheapest Monthly Quote in CT
OverallState Farm$82
State-minimum coverageState Farm$82
Full coverageState Farm$114
Drivers with a clean recordState Farm$82
After a speeding ticketState Farm$101
After an at-fault accidentState Farm$106
After a DUIState Farm$109
Teen/new driversState Farm$151
SeniorsState Farm$66
Bad creditState Farm$114
Disclaimer: Table data is based on real-time Connecticut quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cheapest liability-only car insurance in Connecticut: State Farm

Connecticut follows a tort system, meaning you’re responsible for the damages you cause in an accident. You must carry liability insurance to drive legally in Connecticut, but it may not be enough to cover all the damages after an accident.

Minimum coverage requirements also include uninsured (UM) and underinsured (UIM) motorist coverage in case someone hits you and doesn’t have insurance. Although only about 12% of drivers are uninsured (lower than the national average), that’s still almost 1 in 8 drivers without coverage.

Liability-only insurance in Connecticut averages $162 per month. Our data shows that State Farm offers the cheapest liability coverage, averaging $82 per month.

Below are quotes for cheap liability car insurance in Connecticut.

The below rates in Connecticut are estimated rates current as of: Monday, August 10 at 5:00 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 Company
Average Monthly Quote
State Farm$82
Safeco$99
GEICO$111
USAA$113
Progressive$117
Allstate$118
Direct Auto$122
CSAA$134
Root$155
Travelers$165
National General$173
Bristol West$224
Liberty Mutual$244
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.

Agent Tip: Is liability-only insurance enough in Connecticut?

A liability-only policy can lower your premium, but it offers limited protection. In Connecticut, accidents and claims can become costly. Even a minor accident could leave you paying out of pocket. It’s important to balance affordability with adequate coverage.


Brett Clendenen
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Brett Clendenen's bio

Cheapest full-coverage car insurance in Connecticut: State Farm

The average cost of a full-coverage policy in Connecticut is $223 per month. While it’s more expensive than liability coverage, full coverage offers protection against certain state-specific risks.

The southbound stretch of Interstate 95 in Stamford, Connecticut, is the most congested road in the country.[3] If you get into an accident without collision coverage, you’ll have to pay for damages to your own vehicle.

You might also consider comprehensive coverage. Vehicle collisions killed at least 292 deer in Connecticut in 2023, though many incidents likely go unreported.[4]

Connecticut drivers can find the cheapest full-coverage rates with State Farm. The table below compares quotes for cheap full-coverage car insurance in Connecticut.

The below rates in Connecticut are estimated rates current as of: Monday, August 10 at 5:00 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 Company
Average Monthly Quote
State Farm$114
Safeco$126
GEICO$155
USAA$156
CSAA$157
Progressive$159
Allstate$178
Root$186
Direct Auto$195
Travelers$229
National General$276
Liberty Mutual$296
Bristol West$329
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Connecticut

Drivers using Insurify have found quotes as cheap as $111/mo for liability only and $155/mo for full coverage in Connecticut.

*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on August 21, 2026. 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 August 21, 2026. 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 August 21, 2026. 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 August 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Best cheap car insurance companies in Connecticut

As the insurance capital of the world, Connecticut has a highly competitive insurance market with 1,609 insurance companies operating in the state. Below are our top picks for the best insurers in Connecticut based on pricing, coverage options, and local availability.

State Farm: Best for car insurance discounts in Connecticut

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.
$82/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
Details
4.1
Best choice in ConnecticutBased on 20,607 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.92.9
Policy transparency3.93.1
Value3.72.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Connecticut for
Customer service
Competitive rates
Discounts for safe drivers
Showing 14 reviews from Connecticut driversSee all 8,007 State Farm reviews
George
Verified Review
Why Not to Get State Farm...
State Farm was frustrating to deal with. It took them 25 days to approve my body shop to fix the car. Unacceptable.
Peter
Verified Review
Very Good
I’d like to see their rates be lower for seniors.
Luz
Verified Review
If I change my bank or any situation arises, they cancel the policy immediately without giving time to make the payment in another way, and that worries the client a lot.
If I change my bank or any situation arises, they cancel the policy immediately without giving time to make the payment in another way, and that worries the client a lot.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Connecticut drivers pay above the national average for car insurance, making discounts especially valuable. State Farm offers savings for safety features, good grades, and staying claims-free — which can be valuable for Connecticut drivers facing higher premiums.

State Farm also offers a discount for completing a defensive driving course, which aligns with Connecticut’s mandatory minimum 5% discount law for drivers aged 60 and older.[5]

Pros
  • Lower premiums than most competitors

  • Extensive agent network in Connecticut

  • Above-average J.D. Power customer satisfaction in New England

Cons
  • No accident forgiveness

  • Gap insurance not available

  • No diminishing deductible

GEICO: Best for customer service in Connecticut

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.
$111/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
Details
4.0
Best choice in ConnecticutBased on 20,293 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.92.9
Policy transparency4.03.1
Value3.82.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Connecticut for
Teen drivers
Cheap rates
Accident forgiveness
Showing 33 reviews from Connecticut driversSee all 8,092 GEICO reviews
Andrea
Verified Review
Excellent
So far, they’re okay.
Diana
Verified Purchase
Fair and Professional Service and Coverage
Great—no issues. Fair.
Jean
Verified Review
Balance Review
It is okay!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

In Connecticut, drivers have plenty of coverage options — but service quality varies. GEICO ranked third for New England in the J.D. Power U.S. Auto Insurance Study, making it a strong choice for experience and affordability. Its mobile app also has excellent ratings and lets you access ID cards, request roadside assistance, and file a claim.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • DriveEasy telematics rewards safe driving

  • Lower-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)

Cons
  • No gap insurance

  • No accident forgiveness in Connecticut

  • Below-average J.D. Power claims satisfaction rating

Progressive: Best for bundling in Connecticut

JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
620
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.
8.7 /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.
$117/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.
$159/mo
Details
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

Based on analysis of verified reviews collected by Insurify

Best in Connecticut for
Competitive rates
Easy buying process
Telematics program
Showing 21 reviews from Connecticut driversSee all 8,970 Progressive reviews
Jeffrey
Verified Review
Bait and Switch Tactics
It isn’t what I wanted. The rates for full coverage on a 17-year-old car are way too high for a 66-year-old man with no tickets or accidents.
Kenneth
Verified Review
Three price increases in the past year. I didn’t know about the last price increase until I checked my bank account. I have a flawless driving record and don’t understand why the rate is so expensive. I guess public transit is the way to go.
Three price increases in the past year. I didn’t know about the last price increase until I checked my bank account. I have a flawless driving record and don’t understand why the rate is so expensive. I guess public transit is the way to go.
Wendy
Verified Review
Should Be Renamed "Regressive"
Aside from being expensive ($180/month for me), they charge you $100 more if you don’t have autopay set up. And if the autopay fails because you don’t have enough money in your account, they put your policy in line for cancellation, which can create an insurance “gap” even though you still have a policy. They also frequently try to take the money out up to five days early. I’m going back to Geico.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

With nearly two-thirds of Connecticut residents owning their homes, bundling auto and homeowners insurance can help many residents save.[6] Progressive offers several bundling options, including renters, condo, boat, and RV coverage. If a single event affects multiple policies, you can file one claim and pay just one deductible.

Pros
  • Multiple bundling options

  • Name Your Price Tool fits coverage to your budget

  • Snapshot telematics program available in Connecticut

Cons
  • Snapshot program can increase rates for risky driving

  • Scored below average for New England in J.D. Power survey

  • Poor customer ratings with the Better Business Bureau (BBB)

How car insurance costs in Connecticut have changed 

Insurify data shows Connecticut’s average annual car insurance premium was $2,379 at the end of 2025. Rate increases have slowed considerably after inflationary and supply chain pressures drove price hikes, according to the Connecticut Insurance Department. The department recorded a 4% rate increase for 2025, down from almost 9% in 2024.

Insurify’s Car Insurance Trends Report projects a 1% increase in Connecticut’s car insurance costs in 2026.

Average car insurance costs in Connecticut over time

The table below highlights how much car insurance rates have changed in Connecticut over the past five years.

Average Connecticut Car Insurance Rates Over the Past Five Years

State Name
2021-07
2021-08
2021-09
2021-10
2021-11
2021-12
2022-01
2022-02
2022-03
2022-04
2022-05
2022-06
2022-07
2022-08
2022-09
2022-10
2022-11
2022-12
2023-01
2023-02
2023-03
2023-04
2023-05
2023-06
2023-07
2023-08
2023-09
2023-10
2023-11
2023-12
2024-01
2024-02
2024-03
2024-04
2024-05
2024-06
2024-07
2024-08
2024-09
2024-10
2024-11
2024-12
2025-01
2025-02
2025-03
2025-04
2025-05
2025-06
2025-07
2025-08
2025-09
2025-10
2025-11
2025-12
2026-01
2026-02
2026-03
2026-04
2026-05
2026-06
2026-07
Connecticut1,5661,5551,5481,5531,5581,5581,5681,5791,6051,6411,6641,6831,6941,7181,7181,7191,7171,7241,7421,7501,7721,7831,7991,8051,8571,8861,9251,9521,9622,0042,0382,0722,1232,1982,2282,2032,3012,4132,4302,4052,3892,4272,5242,5452,5042,4772,4542,4362,4362,4002,3862,3752,3712,3942,4272,4572,5012,5592,6082,6452,679
United States1,5531,5551,5571,5621,5641,5661,5681,5711,5771,5911,6021,6071,6121,6181,6241,6311,6401,6501,6651,6891,7191,7581,8031,8501,8871,9181,9561,9832,0062,0372,0762,1282,1942,2402,2992,3412,3682,3902,3872,3742,3702,3632,3512,3662,3672,3672,3552,3422,3172,2852,2572,2272,2152,2212,2222,2242,2332,2382,2372,2372,238

Shop for Car Insurance in Connecticut

Liability quotes start as low as $82 per month

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4.7 out of 5 based on 16,664 reviews
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Connecticut car insurance requirements

Connecticut car insurance requirements include liability coverage for bodily injury or property damage you cause in an accident. Your minimum car insurance must also include UM/UIM coverage if you’re involved in an accident with an uninsured motorist.

Here are the types of coverage you need in Connecticut:

Coverage Type
Required Coverage Limit
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability$25,000
Uninsured/underinsured motorist coverage$25,000 per person / $50,000 per accident

Connecticut is an at-fault state, meaning accident victims can sue the responsible party for damages. That means you may want higher coverage limits than the state minimum for added financial protection. Unlike in no-fault states, you don’t need to purchase personal injury protection (PIP) in Connecticut.

Car insurance rates across Connecticut cities

Car insurance rates vary significantly across Connecticut. Insurers must weigh local loss data more heavily than statewide averages — with 75% based on local loss costs and 25% based on the statewide average.[7]

Groton and Norwich drivers pay the lowest rates in the state, while drivers in New Haven, Waterbury, and Hartford pay some of the most expensive rates.

The table below shows average monthly rates across Connecticut’s major cities.

City
Average Monthly Quote
Bridgeport$222
Danbury$176
New Haven$232
Stamford$182
Waterbury$226
Disclaimer: Table data is based on real-time Connecticut quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance quotes in Connecticut for drivers with a clean record: State Farm

Connecticut insurance companies place drivers into rate tiers based on driving history, location, and past claims. State law allows companies to use these and other risk factors when setting rates. And while the Connecticut Department of Motor Vehicles (DMV) keeps a record of traffic violations for three years, serious violations can remain for 10.

People with a clean driving record typically pay lower rates, averaging $143 per month, according to Insurify data.

The table below shows the cheapest car insurance rates in Connecticut for drivers with good credit and a clean record, with the lowest rates from State Farm.

The below rates in Connecticut are estimated rates current as of: Monday, August 10 at 5:00 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 Company
Average Monthly Quote
State Farm$76
Safeco$102
USAA$106
GEICO$108
Direct Auto$112
Progressive$114
Allstate$115
CSAA$137
Root$149
Travelers$152
National General$153
Bristol West$210
Liberty Mutual$246
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.

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

Speeding in Connecticut can be costly. A ticket can cost you anywhere between $200 and $500, depending on the location and how fast you were speeding. More than 2% of drivers in Connecticut have a speeding ticket, according to Insurify data.

The average Connecticut driver with a speeding ticket pays a monthly premium of $191.

The Connecticut insurers in the table offer affordable rates after a speeding ticket, with State Farm offering the cheapest rates.

The below rates in Connecticut are estimated rates current as of: Monday, August 10 at 5:00 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 Company
Average Monthly Quote
State Farm$101
Safeco$127
Progressive$138
Allstate$139
USAA$141
GEICO$141
Direct Auto$149
CSAA$170
Root$179
Travelers$208
National General$210
Bristol West$275
Liberty Mutual$303
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.

Affordable car insurance in Connecticut with an at-fault accident: State Farm

Insurify data shows more than 4% of drivers in Connecticut have an at-fault accident on their record. Traffic fatalities fell by 12% in 2025, according to the Connecticut Department of Transportation. Still, accidents remain a risk — especially since Connecticut is an at-fault state.

Drivers in Connecticut with an at-fault accident pay an average of $202 per month for a liability policy. But State Farm offers the lowest rates.

Here are the cheapest car insurance quotes in Connecticut for drivers after an at-fault accident.

The below rates in Connecticut are estimated rates current as of: Monday, August 10 at 5:00 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 Company
Average Monthly Quote
State Farm$106
Safeco$134
GEICO$143
Progressive$146
Allstate$147
USAA$148
Direct Auto$162
CSAA$185
Root$189
Travelers$218
National General$224
Bristol West$289
Liberty Mutual$316
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes for Connecticut drivers with a DUI: State Farm

About 0.5% of drivers in Connecticut have a driving under the influence (DUI) conviction, according to Insurify data. This is one of the lowest rates in the country. Your first conviction could result in a 45-day license suspension and require an ignition interlock device (IID) for one year once you get your license back.

Insurers also view you as high risk after a DUI, which can increase your rates. Connecticut drivers with a DUI pay $200 per month for liability policies, on average.

The table below highlights the cheapest insurers for Connecticut drivers after a DUI.

The below rates in Connecticut are estimated rates current as of: Monday, August 10 at 5:00 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 Company
Average Monthly Quote
State Farm$109
Progressive$144
Safeco$145
Allstate$145
GEICO$148
USAA$150
Direct Auto$162
CSAA$178
Root$206
Travelers$219
National General$230
Bristol West$298
Liberty Mutual$324
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an SR-22 in Connecticut: State Farm 

The Connecticut DMV may require proof of financial responsibility to reinstate your license after a serious driving conviction. This is typically accomplished by filing an SR-22 certificate through your insurer.

Drivers in Connecticut who need an SR-22 pay an average of $180 per month for car insurance. State Farm currently offers the lowest average premium for drivers needing an SR-22.

Below are the cheapest auto insurance quotes in Connecticut for drivers with an SR-22.

The below rates in Connecticut are estimated rates current as of: Monday, August 10 at 5:00 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 Company
Average Monthly Quote
State Farm$91
Safeco$110
GEICO$123
USAA$126
Progressive$130
Allstate$131
Direct Auto$135
CSAA$149
Root$172
Travelers$183
National General$192
Bristol West$249
Liberty Mutual$271
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.

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Cheapest car insurance for teen drivers in Connecticut: State Farm

Summer is the deadliest season for teenage drivers in Connecticut. The Connecticut Crash Data Repository recorded 106 fatal crashes involving teen drivers between 2020 and 2023, with more than 38% occurring between Memorial Day and Labor Day.

Teens pay more for car insurance in Connecticut, averaging $268 per month, but they may find the lowest rates with State Farm. Here are the cheapest car insurance quotes in Connecticut for teen drivers.

The below rates in Connecticut are estimated rates current as of: Monday, August 10 at 5:00 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 Company
Average Monthly Quote
State Farm$151
GEICO$191
Safeco$193
Progressive$194
Allstate$195
USAA$197
Root$220
Direct Auto$227
CSAA$311
Travelers$327
National General$327
Bristol West$376
Liberty Mutual$406
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes in Connecticut for senior drivers: State Farm

With more than 25% of Connecticut residents aged 60 or older — and the state’s ranking as the seventh-oldest by median age — senior drivers make up a significant share of the road. 

That said, drivers aged 65 and older account for about 18% of traffic fatalities in Connecticut, according to the U.S. Department of Transportation Fatality Analysis Report System. That helps explain why older drivers often get lower rates.

Seniors see some of the lowest premiums, averaging $145 per month. Below are the cheapest car insurance quotes for seniors in Connecticut.

The below rates in Connecticut are estimated rates current as of: Monday, August 10 at 5:00 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 Company
Average Monthly Quote
State Farm$66
Safeco$88
GEICO$90
USAA$93
CSAA$102
Direct Auto$102
Progressive$105
Allstate$106
Travelers$135
National General$139
Root$145
Bristol West$190
Liberty Mutual$206
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.

Connecticut car insurance quotes with bad credit: State Farm

In Connecticut, insurers can use your credit history to set rates for new policies. But state law limits how insurers can use credit when it’s time to renew your policies. The state typically only allows an insurer to consider your premium at policy renewal if it lowers your premiums or at your request. Companies must also report their scoring system to the Connecticut Insurance Department.

Drivers with poor credit in Connecticut pay an average of $184 per month for liability car insurance. That’s more expensive than what drivers with good credit pay, especially given the state’s above-average premiums.

Take a look at the most affordable companies for drivers in Connecticut with bad credit.

The below rates in Connecticut are estimated rates current as of: Monday, August 10 at 5:00 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 Company
Average Monthly Quote
State Farm$114
Safeco$117
GEICO$131
Progressive$133
USAA$133
Allstate$134
Direct Auto$144
CSAA$158
Root$183
Travelers$185
National General$205
Bristol West$265
Liberty Mutual$278
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Connecticut

Liability quotes average $184/mo. for drivers with bad credit

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Connecticut car insurance FAQs

The Connecticut Insurance Department encourages drivers to shop for coverage annually, but it helps to understand how the state’s coverage rules and costs work. Here are answers to the most common questions about car insurance in Connecticut.

  • What car insurance is required in Connecticut?

    In Connecticut, you must carry liability insurance with $25,000 per person and $50,000 per accident for third-party injuries and $25,000 for property damage. Connecticut also requires $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage for bodily injuries.

  • How much is car insurance in Connecticut?

    Liability-only coverage in Connecticut costs an average of $162 per month, while full coverage averages $223 per month, Insurify data shows.

  • What are the best car insurance companies in Connecticut?

    State Farm, GEICO, and Progressive are among the best insurance companies in Connecticut. But the right insurer for you depends on your budget and insurance needs.

  • Which company has the cheapest insurance in Connecticut?

    State Farm offers the cheapest car insurance rates in Connecticut, with liability rates of $82 per month. But premiums vary by driver, so it’s a good idea to compare auto insurance quotes from multiple companies to find the best rate.

  • What does auto insurance cover in Connecticut?

    Liability insurance in Connecticut covers third-party bodily injuries, vehicle damage, and related costs like medical expenses and lost wages if you cause an accident. Full coverage includes collision coverage for damage to your own vehicle and comprehensive coverage for non-collision losses, such as theft or natural disasters.

  • Is Connecticut a no-fault state?

    No. Connecticut is an at-fault state. The driver who causes the crash is responsible for damages, and the injured party can sue if insurance doesn’t fully cover the costs.

Sources

  1. Ct.gov. "Governor Lamont Announces 2025 Legislative Proposal: Strengthen Resilience Against Extreme Weather Events."
  2. Connecticut Office of Policy and Management (OPM). "2025 Annual Trends Report."
  3. INRIX. "INRIX 2024 Global Traffic Scorecard: Employees & Consumers Returned to Downtowns, Traffic Delays & Costs Grew."
  4. The Connecticut Department of Energy and Environmental Protection. "2023 Connecticut Deer Program Summary."
  5. CT.gov. "Insurance discounts."
  6. Uniteds States Census Bureau. "QuickFacts: Connecticut."
  7. Connecticut General Statutes § 38a-686. "Chapter 701: Personal and Commercial Risk Insurance."

Methodology

Insurify data scientists analyzed more than 250 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
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.

Carley Clark
Written byCarley ClarkInsurance Writer
Carley Clark
Carley ClarkInsurance Writer
  • 5+ years experience in personal finance writing

  • Personal finance blogger

Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.

She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.

When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog. 

MacKenzie Korris
Edited byMacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969

MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, 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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