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Connecticut Average Cost of Car Insurance Rates (2023)
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Written by
Mark Steinbach
Insurance Writer
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated March 9, 2022
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How Much Does Car Insurance Cost In Connecticut?
On average, car insurance rates for drivers in Connecticut are $297 per month, and $3559 per year. The average rates make Connecticut the 11th most expensive state in the country for car insurance rates and 25% more expensive than the national average.
Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.
Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.
Best Connecticut Auto Insurance Rates
Insurify analyzed car insurance rates in the twenty most populous cities in Connecticut and has selected the following providers and quotes as the best rates for drivers in Connecticut.
| Cheapest Companies | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| GEICO | $83 |
| Allstate | $107 |
| Travelers | $158 |
| Nationwide | $189 |
| Liberty Mutual | $190 |
Connecticut Car Insurance Rates by City
For drivers in Connecticut, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Connecticut.
| City | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Bridgeport | $338 |
| Danbury | $255 |
| Hartford | $337 |
| Meriden | $247 |
| New Britain | $282 |
| New Haven | $323 |
| Norwalk | $240 |
| Stamford | $256 |
| Waterbury | $306 |
| West Haven | $295 |
What Is the Average Cost of Car Insurance in Connecticut by Age?
While getting your license is exciting, teens who are getting behind the wheel for the first time will be less excited about the $590 per month they’ll have to pay, on average, for car insurance. Luckily, the rates go down quite a bit as you become a young adult, with drivers in their 20s paying an average of $349 per month.
Generally, car insurance rates in Connecticut will go down as you age. Drivers in their 40s and 50s will pay $253 per month on car insurance, while the average rate of car insurance for drivers in their 60s and beyond hovers around $200 per month.
| Age | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Teens | $590 |
| 20s | $349 |
| 30s | $235 |
| 40s | $253 |
| 50s | $253 |
| 60s | $200 |
| 70s | $201 |
| >80s | $198 |
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What Is the Average Cost of Car Insurance in Connecticut by Gender?
In Connecticut, gender doesn’t play a huge role in determining your car insurance rates. On average, men pay $10 less per month on car insurance.
| Gender | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Male | $292 |
| Female | $302 |
Does Marital Status Influence the Average Cost of Car Insurance in Connecticut?
For those who’ve tied the knot in Connecticut, you can expect to pay less on average for car insurance, at $240 per month. Meanwhile, those who are single pay $75 more for car insurance at $315 per month. This is one of the largest disparities of any state when it comes to insurance rates in relation to marital status.
| Marital Status | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Married | $240 |
| Single | $315 |
Minimum Car Insurance Requirements in Connecticut
All motor vehicles operated or parked on Connecticut[1] roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Connecticut are:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Connecticut is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$25,000 per person for uninsured/underinsured motorist bodily injury
$50,000 per accident for uninsured/underinsured motorist bodily injury
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Connecticut, you’re required to purchase insurance that covers bodily injuries under these circumstances.
How Does Credit History Affect Connecticut Car Insurance Rates?
Connecticut allows car insurance companies to consider your credit score when determining your car insurance rates. As you may expect, those with an excellent credit history pay the least ($220 per month), while those with a poor credit history pay the highest average rate ($335 per month).
Those with an average or good credit history fall in the middle of these two ranges at $309 per month and $292 per month, respectively.
| Credit History | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Poor | $335 |
| Average | $309 |
| Good | $292 |
| Excellent | $220 |
What Is the Average Cost of Car Insurance in Connecticut for High-Risk Drivers?
"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?
Drivers with a speeding ticket in Connecticut will pay $49 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $16. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your
| Driving History | Avg. Monthly Rate The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| No Violation | $285 |
| At-Fault Accident | $301 |
| Speeding | $334 |
Tips for Researching Connecticut Car Insurance Rates
Car insurance rates can vary widely based on the company you’re doing business with. That’s why doing your research is so important when you’re in the market for car insurance. When you browse a wide array of options, you can find a carrier whose policy meets your unique needs and budget.
Insurify is just the research tool you need as you get ready to buy car insurance. When it comes to quote comparison, look no further. Insurify will help you compare 10+ free car insurance quotes, putting these rates side by side so that you can find the right policy at the right price.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Connecticut Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Connecticut. Insurify analyzed the latest data for the five most populous cities in Connecticut to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Connecticut and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Connecticut Department of Insurance. "State Minimum Car Insurance." Accessed May 28, 2022
