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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
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.
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.
| User Reviews | 3.9 |
|---|---|
| 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. | 9.3 /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. | $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. | $160/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
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.
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 usage-based telematics 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]
Low rates for most Connecticut drivers
Ranked second for customer satisfaction in the New England region by J.D. Power
Discounts for safe drivers
Payoff Protector (gap) coverage restricted to customers who originate an auto loan through State Farm Bank
Accident forgiveness not available
Cannot purchase policies online; only available through local State Farm agents
| 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. | 9.2 /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. | $133/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. | $205/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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.
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 the New England region by J.D. Power.
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
Ranks below average for claims satisfaction in New England by J.D. Power
Gap insurance not available
Few local agents in Connecticut
| 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. | 9.1 /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. | $143/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. | $219/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.0 | 2.9 |
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.
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 also 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.
Highly rated for customer satisfaction in New England region by J.D. Power
Discounts for safe and low-mileage drivers
Banking and other financial services available
Doesn't offer 24/7 customer service
Coverage restricted to members of the military community
No local agents in Connecticut
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 620 |
|---|---|
| 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. | 8.7 /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. | $144/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. | $213/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
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.
Discounts for young drivers
Many coverage options
Savings for safe drivers
Poor customer satisfaction rating in the New England region from J.D. Power
Limited gap insurance
Snapshot telematics program could raise your rates if the app detects poor driving habits
| User Reviews | 4.0 |
|---|---|
| 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. | 8.5 /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. | $210/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. | $320/mo |
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Travelers 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 coverages, including gap insurance, new car replacement, and accident forgiveness.
Savings for hybrid and electric vehicles
Many discounts available
Variety of coverage options
Below-average customer satisfaction rating in the New England region by J.D. Power
Low customer reviews in Trustpilot
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.
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.
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, accident forgiveness, rental car reimbursement, 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.
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.
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.
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.
Liability rates start as low as $105 per month
The average monthly cost of car insurance in Connecticut is $196. Drivers pay an average of $156 per month for liability insurance and $236 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]
Before purchasing car insurance in Connecticut, read the answers to these frequently asked questions about the best car insurance in Connecticut.
Connecticut drivers pay an average of $196 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.
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.
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 to purchase at least $25,000 per person and $50,000 per accident.[5]
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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
