Best Car Insurance in Connecticut (2025)

State Farm, GEICO, and USAA are three of the best car insurance companies in Connecticut, boasting affordable rates, plentiful savings opportunities, and highly rated customer satisfaction.

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Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 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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Matthew Gross
Edited byMatthew Gross
Matthew Gross
Matthew GrossEditor

Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.

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Shopping for car insurance can be challenging. Everyone has different priorities, so no single company is best for everyone.

To help you make your decision, we analyzed 50 car insurance companies to identify the best car insurance in Connecticut based on price, coverage options, and customer reviews. Keep reading to learn which company is right for you.

Best car insurance companies in Connecticut

We picked Connecticut’s five best car insurance companies based on their average rates, available discounts, customer satisfaction, and other factors. You can use this list when shopping for your next insurance policy.

State Farm: Best overall

User Reviews
4.2
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.
$55/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.
$88/mo
4.2
Best choiceBased on 10,903 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,929)

Georgia

May 5, 2025

Verified Review

I am a long-time customer. They could have given me more discounts as I don't drive the car much, maybe 1000 or fewer miles a year. I hope they will do so in the next 6 months.

I am a long-time customer. They could have given me more discounts as I don't drive the car much, maybe 1000 or fewer miles a year. I hope they will do so in the next 6 months.

Carolyn

May 5, 2025

Verified Review

We must think they are good... we have been with them for 50 years! They do not insure dwellings over 20 years old, and that is why I am looking. Nothing wrong with them. Just renewed my car insurance with them this week.

We must think they are good... we have been with them for 50 years! They do not insure dwellings over 20 years old, and that is why I am looking. Nothing wrong with them. Just renewed my car insurance with them this week.

Randall

May 5, 2025

Verified Review

Valued

I've had great service on two claims. It went very smoothly.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
838
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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

State Farm is the cheapest insurance option for most Connecticut drivers, according to our research. Along with its low average rates, the company’s Drive Safe & Save program can save you up to 30% on your premiums. Plus, you’ll be eligible for even lower rates if you have a clean driving record.

State Farm is also known for its great service. The company ranks highly in claims and overall customer satisfaction, according to J.D. Power’s 2024 studies.[1] [2]

Pros
  • Low rates for most Connecticut drivers

  • Ranked No. 2 for customer satisfaction in New England by J.D. Power

  • Discounts for safe drivers

Cons
  • Gap insurance not available

  • Accident forgiveness not available

  • Fewer discounts than other insurers

GEICO: Best for discounts

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 /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.
$148/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.
$178/mo
4.1
Best choiceBased on 11,722 verified guest reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,355)

Wilson

May 5, 2025

Verified Review

After 11 years with the company they punish

After 11 years with the company, they punish customers for reporting a claim, but they never paid for the claim because I paid with my own money. Even when I paid, they still used the report to increase my premiums. That's why I canceled my 11-year auto insurance and my house policy too.

Laurie

May 5, 2025

Verified Review

My Geico Experience

It was affordable for me.

Randy

May 5, 2025

Verified Review

I just canceled because State Farm is $38 a month less expensive for auto and $5 less for renters. You guys should be aware of this.

I just canceled because State Farm is $38 a month less expensive for auto and $5 less for renters. You guys should be aware of this.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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

GEICO has some of the lowest average rates in Connecticut. The company offers nearly two dozen discounts, including DriveEasy, its telematics program that helps safe drivers save even more. GEICO also offers accident forgiveness, which most drivers can get for free if they haven’t had an accident in the past five years.

While GEICO has mixed third-party reviews, it ranks above average in overall customer satisfaction in New England by J.D. Power.

Pros
  • Many discounts available

  • Ranks above average for customer satisfaction in New England by J.D. Power

  • Accident forgiveness available after five years without an accident

Cons
  • Ranks below average for claims satisfaction in New England by J.D. Power

  • Gap insurance not available

  • Few local agents in Connecticut

USAA: Best for military families

User Reviews
4.9
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.
9.4 /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.
$75/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.
$120/mo
4.9
Best choiceBased on 2,016 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,160)

Richard

May 4, 2025

Verified Review

Always had great service

Great service

Alberta

May 2, 2025

Verified Review

I have been with USAA for over 20 years and they have always met my needs. I recommend them to anyone who needs their services.

I have been with USAA for over 20 years and they have always met my needs. I recommend them to anyone who needs their services.

Stephen

May 2, 2025

Verified Review

My experience with USAA

Generally good, however, lately premiums have gone up.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
884
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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

USAA was founded by military members for military members. It offers various financial services, including investment accounts, insurance, and banking. It also has some of the cheapest auto insurance rates in Connecticut. 

USAA doesn’t offer as many discounts as other insurers but offers usage-based discounts for safe and low-mileage drivers. The company ranks near the top for both claims and customer satisfaction by J.D. Power.

Pros
  • Highly rated for customer satisfaction in New England by J.D. Power

  • Discounts for safe and low-mileage drivers

  • Banking and other financial services available

Cons
  • Less coverage and discounts than other insurers

  • Available only to military members and their families

  • No local agents

Progressive: Best for young drivers

JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
818
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.
8.4 /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.
$105/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.
$166/mo
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
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.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,791)

Sergio

May 5, 2025

Verified Review

Too Expensive for Coverage

The coverage they offer is too expensive.

Angela

May 5, 2025

Verified Review

Don't go with the cheapest company because they charge you an arm and a leg

They are supposed to be the cheapest but charge an insane amount larger than my car payment every month.

Dianna

May 5, 2025

Verified Review

Disappointed

The only issue personally was my husband's huge increase for no apparent reason. His rate went from $125 per month to $199 per month with no accidents or violations.
See all Progressive reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
818
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
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

Young drivers usually pay the highest insurance premiums, but Progressive has several ways to help them save. It offers a teen driver discount if you’ve been a Progressive customer for at least one year. Progressive also offers discounts for good students and students away at school.

Other drivers can save with Progressive, too. Its Snapshot program offers savings to safe drivers. Progressive also offers a wide variety of coverage options, including accident forgiveness and a vanishing deductible.

Pros
  • Discounts for young drivers

  • Many coverage options

  • Savings for safe drivers

Cons
  • Poor customer satisfaction rating in New England from J.D. Power

  • Limited gap insurance

  • No vehicle safety features discount

Travelers: Best for hybrid and electric vehicles

User Reviews
4.7
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 /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.
$177/mo
4.7
Best choiceBased on 880 verified guest reviews and ratings
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (458)

Diana

May 4, 2025

Verified Review

High rates for less insurance coverage, compared to other companies.

They priced me out. Raised my insurance by $730.00.

Nancy

May 2, 2025

Verified Review

Same company for years. They just got too expensive.

Good. Nothing really to shout about, good or bad.

Judith

May 2, 2025

Verified Review

Excellent Auto Insurance

They are excellent to deal with; I am always looking for a cheaper rate.
See all Travelers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
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

Travelers Insurance has affordable rates for many Connecticut drivers — especially if you drive a hybrid or electric vehicle. Travelers offers more ways to save, including IntelliDrive, its safe-driving telematics program. The company also has a variety of optional coverage, including gap insurance, new car replacement, and accident forgiveness.

Pros
  • Savings for hybrid and electric vehicles

  • Many discounts available

  • Variety of coverage options

Cons
  • Below-average customer satisfaction rating in New England by J.D. Power

  • Rideshare coverage not available in all states

  • High number of complaints with the National Association of Insurance Commissioners (NAIC)[3]

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Connecticut to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Connecticut

When shopping for car insurance in Connecticut, you should feel like you’re making the right decision. Here are a few things you can do to ensure you get the best policy.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Decide on your coverage needs

    Before choosing a company, you should determine how much coverage you need. Every insurance policy will come with Connecticut’s required minimum coverage, which includes bodily injury and property damage liability coverage, as well as uninsured/underinsured motorist coverage.

    Optional coverages often include collision and comprehensive coverage, personal injury protection, roadside assistance, gap insurance, and more. Some insurers offer more coverage than others, so make sure the company you’re considering offers the coverage you need.

  • illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    Read customer and third-party reviews

    You can find out what customers think about an insurer by reading online reviews on sites like the Better Business Bureau, Trustpilot, and Insurify. Look for trends in these reviews, like poor ratings or similar complaints.

    In addition to customer feedback, check third-party ratings. J.D. Power publishes annual customer satisfaction ratings, and the NAIC reports a company’s average number of complaints.

  • illustration card https://a.storyblok.com/f/162273/150x150/75872bbafd/money-96x96-green_033-magnifying-glass.svg

    Compare discounts

    Though insurance premiums in Connecticut are more expensive than the national average, you can save money by taking advantage of discounts. Many companies offer a dozen or more discounts for things like vehicle safety features, driving history, bundling policies, and more. Check which discounts you might qualify for before choosing a company.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Shop around for quotes

    With so many insurers, it’s important to shop around. Comparing rates can save you money, and using an insurance-comparison site can save you time by getting multiple quotes simultaneously.

Find Car Insurance in Connecticut

Liability rates start as low as $55 per month

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Average cost of car insurance in Connecticut

The average monthly cost of car insurance in Connecticut is $266. Drivers pay an average of $205 per month for liability insurance and $327 per month for full coverage.

Car insurance in Connecticut is considerably more expensive than the national average. While it’s difficult to pinpoint an exact cause, rising costs have been attributed to increases in dangerous driving and repair costs.[4]

Best car insurance in Connecticut FAQs

Before purchasing car insurance in Connecticut, read the answers to these frequently asked questions about the best car insurance in Connecticut.

  • How much is car insurance in Connecticut?

    Connecticut drivers pay an average of $266 per month for car insurance. Insurers determine rates using a variety of factors, like location, age, and vehicle type, so the amount you pay may be different than the average cost.

  • What are the best car insurance companies in Connecticut?

    State Farm, GEICO, USAA, Progressive, and Travelers are among the best insurers in Connecticut. But you should shop around to find the right company for your needs. The best company for you depends on factors like your budget, coverage requirements, available discounts, and more.

  • What is the required auto insurance coverage amount in Connecticut?

    Connecticut requires all drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and at least $25,000 of property damage liability coverage. The state-minimum coverage also requires uninsured and underinsured motorist coverage equal to your bodily injury liability coverage.[5]

Sources

  1. J.D. Power. "2024 U.S. Auto Claims Satisfaction Study."
  2. J.D. Power. "2024 U.S. Auto Insurance Study."
  3. National Association of Insurance Commissioners. "Consumer Insurance Refined Search Results."
  4. CT Insider. "Car insurance rates in Connecticut have soared. Experts say these issues are to blame."
  5. Connecticut Insurance Department. "Auto Insurance."
Erin Gobler
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.

Matthew Gross
Edited byMatthew GrossEditor
Matthew Gross
Matthew GrossEditor

Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.

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