Average Car Insurance Cost in Connecticut (2023)

The average cost of car insurance in Connecticut doesn’t come cheap. With total average monthly premiums of $252, the Constitution State is one of the most expensive for car insurance. While flash floods, snowstorms, hurricanes, and other natural disasters influence the high cost, Connecticut is prone to frequent crashes and traffic congestion that also drive up rates.^[1]

Here’s what you need to know about the cost of car insurance in Connecticut and how you can use this information when shopping for cheap car insurance.

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What’s the average cost of car insurance in Connecticut?

Connecticut is one of the most expensive states for auto coverage. While premiums can depend on factors beyond your control, the insurer you pick can significantly affect how much you pay. Rates vary by more than $200 between the least and most expensive companies for liability-only insurance policies — and nearly $400 for full-coverage policies.

Among the choices of cheapest car insurance companies, State Farm, GEICO, and USAA typically offer the most budget-friendly rates. It’s worth noting that USAA is available only to military members, veterans, and their families, but State Farm and GEICO are available to the general public.

Here are the average rates for car insurance companies in Connecticut.

Average Connecticut car insurance rates by city

Within the state of Connecticut, your location can affect the price of your car insurance quotes. Each ZIP code has its own variables, from traffic congestion to crime rates, that affect pricing. Urban areas tend to have higher rates due to more traffic density and higher potential for theft or vandalism, while rural towns may see lower rates due to fewer cars and incidents.^[2]

For example, Stamford, in the western side of the state, has some of the cheapest rates for car insurance, with premiums less than the state’s average. However, the largest cities, like Hartford and New Haven, have some of the steepest rates in the state.

Average Connecticut car insurance rates by age

Teens and young drivers typically pay more expensive car insurance rates. Teens have the least experience behind the wheel and see the highest average cost of auto insurance, clocking in at $580. Premiums are about 34% less by the time drivers reach their 20s. 

Older drivers in their 60s see an additional 47% savings. However, rates can creep up again for drivers in their 70s as age-related health issues can affect driving capabilities and accident fatality rates.^[3]

How gender affects car insurance rates in Connecticut

While age significantly shapes car insurance costs, your gender can also affect rates. It’s common for men to drive more miles and have riskier driving habits, according to the Insurance Institute for Highway Safety.^[4] So it’s no surprise that men tend to fork over more cash for car insurance premiums than women.

As teens, males in Connecticut typically face premiums that are 15% more expensive than females. By age 35, the difference drops to around 10%. The gap begins to close by age 50, when men pay just 4% more than women.

How your driving record affects car insurance rates in Connecticut

Your driving record greatly affects your car insurance premiums in Connecticut. While clean driving records open the door to the best deals, moving violations and incidents can increase rates. In general, Connecticut drivers pay an overall average of $314 per month for car insurance when they have an incident on their record.

For instance, speeding is common, accounting for more than one third of Connecticut traffic stops in 2022.^[5] But drivers tend to pay the most when they have a driving under the influence (DUI) conviction on their record, at an overall average of $375 per month.

Here are average Connecticut car insurance rates by driving record.

Average Connecticut car insurance rates by marital status

Marriage is more than a legal status; it’s also a factor in how much you pay for auto coverage. Married couples tend to insure multiple cars under one policy and bundle their auto and home insurance for discounts, which can reduce their rates. However, the difference is about 4%, so it isn’t a huge gap between married and single drivers. But it’s proof that marital status influences car insurance rates in Connecticut.

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Average Connecticut car insurance rates by credit tier

Connecticut insurance companies can legally use your credit scores when setting car insurance rates.^[6] Your credit score reflects your financial reliability, and insurers consider drivers with higher scores to have less risk.

A good or excellent credit score can unlock some of Connecticut’s lowest car insurance rates. Here’s how average rates vary based on credit scores in Connecticut.

Connecticut car insurance FAQs