Average Car Insurance Cost in Connecticut (2025)
Drivers in Connecticut pay an overall average of $266 per month for car insurance.
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Written byErin Gobler
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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
The average monthly cost of car insurance in Connecticut is $266, which is much higher than the national average of $150. Connecticut’s rates are among the most expensive in the nation, second only to New York, according to Insurify data, and increasing faster than in most states.[1]
Several factors may explain the state’s high rates, including severe weather, an increase in poor driving habits and car-related crimes, and one of the nation’s highest population densities.
When you’re shopping for car insurance in a state like Connecticut, it’s even more important to find ways to save money.
Quick Facts
The average cost of liability insurance in Connecticut is $205 per month, and the average cost of full coverage is $327 per month.
Connecticut has some of the highest car insurance rates in the country.
Your age, gender, driving history, credit history, and location all affect your insurance premiums in Connecticut.
How much is car insurance in Connecticut?
The average monthly car insurance rate in Connecticut is $266, according to Insurify data. Liability-only coverage comes in at an average rate of $205 per month, and full coverage costs an average of $327 per month.
Although your location plays an important role in determining your rates, it’s not the only factor insurers consider. Your premiums depend on your personal demographics and also the insurance policy you choose, so shopping around for personalized quotes can help find cheap insurance.
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How Connecticut car insurance rates have changed over the past two years
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To find car insurance rates in Connecticut and the U.S. over the last two years, download our data here.
The average yearly price for full-coverage car insurance in Connecticut peaked at more than $2,400 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though not as quickly as in Connecticut.
See how Connecticut car insurance prices have changed over the past two years below.
Average Connecticut Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Connecticut car insurance rates by city
The cost of car insurance in Connecticut can vary depending on where you live. Certain cities and ZIP codes may have higher average rates due to their accident rates, vehicle theft rates, population density, and weather patterns.[2]
The table below breaks down the average car insurance premiums for several Connecticut cities.
The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Danbury | $211 | $334 |
| New Britain | $214 | $346 |
| Stamford | $221 | $366 |
| Waterbury | $265 | $414 |
| Bridgeport | $290 | $449 |
| New Haven | $310 | $481 |
| Hartford | $314 | $474 |
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.
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Car Insurance Requirements in Connecticut (2025)
Average Connecticut car insurance rates by age and gender
Your age and gender both affect your car insurance premiums. Teens and other young drivers — usually drivers younger than 25 — tend to pay the highest insurance rates. This age demographic has less experience than other drivers on the road and tends to speed and drive distracted, according to the Centers for Disease Control and Prevention.[3]
As you age, your rates drop, with seniors typically paying the lowest premiums. But rates begin to rise again slightly around age 70, as accident risks increase.[4]
Your gender also affects your premiums, but the correlation is less clear. Many sources state that women pay less for car insurance because they have fewer accidents, and when they do have accidents, they’re less severe. Although more recent data suggests that, at least in some states and for some age ranges, women pay higher premiums.[5]
The table below breaks down how your age and gender affect your average rates for both state-minimum coverage and full coverage, based on Insurify data.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $473 | $768 |
| 18 | $411 | $668 |
| 20 | $285 | $463 |
| 25 | $258 | $418 |
| 30 | $230 | $373 |
| 40 | $216 | $351 |
| 50 | $194 | $315 |
| 60 | $177 | $287 |
| 70+ | $188 | $306 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $473 | $768 |
| 18 | $411 | $668 |
| 20 | $285 | $463 |
| 25 | $258 | $418 |
| 30 | $230 | $373 |
| 40 | $216 | $351 |
| 50 | $194 | $315 |
| 60 | $177 | $287 |
| 70+ | $188 | $306 |
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.
Average cost to insure popular vehicles in Connecticut
Your vehicle’s make and model — including its value and repair costs — also affect your insurance premiums. Your rates may be lower if your vehicle has safety features that reduce accidents (or make accidents less serious).
The most popular vehicles in Connecticut tend to be crossovers, which combine the benefits of SUVs and sedans. Popular models in Connecticut have plenty of safety features and solid fuel efficiency, making them a good fit for the state’s high population density and heavy traffic. These crossovers offer the perks of a larger vehicle while taking up less space.
In the table below, you can see several of the most popular vehicles in Connecticut, according to Edmunds, and the average monthly cost to insure each one, according to Insurify data.
Vehicle | Average Monthly Quote |
|---|---|
| Toyota RAV4 | $356 |
| Honda CR-V | $324 |
| Nissan Rogue | $375 |
| Subaru Crosstrek | N/A |
| Subaru Forester | N/A |
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.
How your driving record affects car insurance rates in Connecticut
Your driving history is one of the most significant factors affecting your car insurance premiums. Good drivers — generally classified as drivers with no violations on their records — pay the lowest rates, while drivers with infractions usually pay more.
For example, if you’re involved in an at-fault accident or get a speeding ticket, your insurance rates could increase by 39%. Meanwhile, drivers with a DUI may see their rates increase by 58%.
The table below shows insurance rates in Connecticut for a sample driver with an accident, speeding ticket, or DUI on their record:
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $418 | 38% |
| With speeding ticket | $421 | 39% |
| With DUI | $478 | 58% |
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.
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Your credit history can affect your insurance rates. Generally speaking, drivers with good credit pay lower premiums, while drivers with poor credit pay more. Insurers may view a driver’s credit history as an indicator of their likelihood of filing a claim.
While several states prohibit insurers from using credit history when setting premiums, Connecticut isn’t one of those states.[6] As a result, your insurance company can consider your credit history when offering you a quote.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $224 $364 Good $219 $355 Fair $221 $359 Poor $287 $466 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.
How to lower your insurance costs in Connecticut
You can potentially lower your premium cost in Connecticut with these strategies:
Shop around for coverage
Insurance rates can vary considerably from one company to the next. The cheapest company for one driver may not be the cheapest for you. By shopping around and getting quotes from multiple insurers each time your policy renews, you can find the cheapest rates for your unique situation.
Choose the right coverage
The coverage you need depends on the vehicle you drive, your risk tolerance, and your financial resources. For example, if you have an older vehicle and can afford to replace it, you may be comfortable with liability-only coverage. On the other hand, if you have a newer car, you may want a full-coverage policy that includes both collision and comprehensive coverage. You can save money by buying only the coverage you need.
Raise your deductible
You can save money on your premiums by choosing a higher deductible, but this also means higher out-of-pocket costs if you file a claim. Before you raise your deductible, make sure you can afford to pay the difference.
Maintain a clean driving record
Insurers often reward safe drivers by charging them lower premiums. As an added bonus, many insurance companies offer defensive driving programs, in which your insurer tracks your driving habits and offers a discount when you make safe decisions behind the wheel.
Connecticut average car insurance cost FAQs
If you’re looking for cheap car insurance in Connecticut, the answers to some of these frequently asked questions about the state’s average rates may help.
Drivers in Connecticut pay an average annual car insurance premium of $3,197. The average annual liability insurance premium is $2,465, while the average cost of full coverage is $3,929 per year.
State Farm has the cheapest average rates for drivers in Connecticut. But because each insurer uses a different internal formula for calculating rates, you may find that a different company offers a lower premium for your situation. It’s important to shop around to find the best rate for you.
Car insurance in Connecticut costs an average of $266 per month. Liability-only insurance costs an average of $205 per month, and a full-coverage policy averages $327.
There’s not necessarily one best insurance company for everyone. The company that’s best for you depends on your budget, your driver profile, and what you’re looking for in an insurance company. But State Farm, GEICO, and USAA are some of the best insurers for Connecticut drivers, according to Insurify data.
Connecticut state law requires all drivers to have at minimum $25,000 per person and $50,000 per accident in bodily injury liability coverage, and at least $25,000 per accident in property damage liability coverage.[7] Drivers must also carry uninsured/underinsured motorist coverage in at least the same state-minimum liability amounts. This coverage protects you if you’re in an accident with an uninsured driver or a driver who leaves the scene of an accident.
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
- 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.
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Sources
- S&P Global. "US private auto rate increases dip into single digits in 2024."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- National Library of Medicine. "Women and insurance pricing policies: a gender-based analysis with GAMLSS on two actuarial datasets."
- Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates."
- State of Connecticut. "Auto Insurance Coverage information."
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Erin Gobler
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.