Connecticut Average Cost of Car Insurance Rates (2023)

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.

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.

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.

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.

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.

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.

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

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