Cheapest Car Insurance Quotes in Connecticut
State Farm, Safeco, and USAA offer some of Connecticut’s cheapest car insurance quotes.
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Writer: Catherine HilesInsurance, Personal Finance Writer
Writer: Catherine HilesInsurance, Personal Finance Writer
Qualifications:
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Connecticut car insurance at a glance
Cheapest car insurance company in Connecticut: State Farm
Cheapest car insurance rate in Connecticut: $78
Average monthly liability-only car insurance cost in CT: $161
Average monthly full-coverage car insurance cost in CT: $225
Cheapest car insurance quotes in Connecticut
To find the cheapest car insurance quotes in Connecticut, we analyzed dozens of quotes for a sample driver with a clean record and good-to-excellent credit.
State Farm, Safeco, and USAA are the three cheapest insurance companies in Connecticut.
See average quotes from Connecticut’s cheapest average car insurance companies below.
The below rates in Connecticut are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Data reviewed by Konstantin Halachev)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $78 | $107 |
| Safeco | $100 | $130 |
| USAA | $106 | $147 |
| GEICO | $110 | $153 |
| Allstate | $118 | $184 |
| Progressive | $119 | $165 |
| Direct Auto | $120 | $196 |
| CSAA | $157 | $196 |
| Travelers | $157 | $216 |
| Root | $160 | $196 |
| National General | $173 | $284 |
| Bristol West | $230 | $340 |
| Liberty Mutual | $247 | $308 |
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.
Best-rated insurance companies in Connecticut
To determine the best insurance companies in Connecticut, we compiled actual user reviews, researched customer satisfaction ratings, and considered average rates. Here are four of the best car insurance companies in Connecticut to start your search, but the best insurer for you depends on your coverage needs and budget.
Learn more about coverage offerings from Allstate, State Farm, and more below.
Best for full coverage: Allstate
| 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. | 8.9 /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. | $118/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. | $184/mo |
3.9
A solid option in ConnecticutBased on 12,510 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Based on analysis of verified reviews collected by Insurify
Best in Connecticut for
Showing 11 reviews from Connecticut driversSee all 4,789 Allstate reviews
Verified Review
Reviewed in Connecticut on October 13, 2026
Average coverage, but very expensive.
Verified Purchase
Reviewed in Connecticut on October 10, 2026
They're a bit expensive, but I have to stick with them for a bit. Otherwise, they're okay.
Verified Review
Reviewed in Connecticut on August 15, 2026
My insurance went up to $200 for six months.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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
Allstate offers accident forgiveness to prevent a premium increase after an at-fault accident, which can help make a full-coverage policy more affordable. Allstate also has an above-average JD Power customer satisfaction rating in the New England region, which includes Connecticut.
Pros
Offers accident forgiveness
Above-average JD Power customer satisfaction rating in New England
Can add rental reimbursement coverage
Cons
Rates in Connecticut may be higher than some competitors
High-risk driving could increase rates for drivers using Drivewise
No diminishing deductible
Best for minimum coverage: State Farm
| 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. | $78/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. | $107/mo |
4.2
Best choice in ConnecticutBased on 21,583 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Connecticut for
Showing 16 reviews from Connecticut driversSee all 8,282 State Farm reviews
Verified Review
Reviewed in Connecticut on October 29, 2026
Too expensive.
Verified Review
Reviewed in Connecticut on October 1, 2026
I wasted a lot of time trying to get insurance as low as $38 a month, but I only got quotes for $100+ per month. My current insurer, State Farm, beat all of them by $20 a month or more. Right now I’m paying $85 per month with State Farm—unbeatable so far!
Verified Review
Reviewed in Connecticut on September 20, 2026
I’m wondering if I’m getting the best rates. I pay $1,850 annually for a 2,700-square-foot house valued at $850,000. A secondary dwelling with a 912-square-foot apartment upstairs and a 600-square-foot apartment downstairs is about $1,100. Car insurance is about $1,100 for a 2014 Honda CR-V. Can you beat any of these rates, or the combo?
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
664
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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 has some of the lowest rates for minimum coverage in Connecticut. The insurer also has dozens of local insurance agents throughout Connecticut who can help you find the best coverage for your budget.
Pros
Among the cheapest liability-only rates in Connecticut
Widespread agent presence in Connecticut
Above-average JD Power rating for customer satisfaction in New England
Cons
No accident forgiveness
Poor Trustpilot rating
Drivers with past violations may find cheaper rates elsewhere
Best for savings: GEICO
| 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. | $110/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. | $153/mo |
4.1
Best choice in ConnecticutBased on 21,233 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Connecticut for
Showing 37 reviews from Connecticut driversSee all 8,337 GEICO reviews
Verified Review
Reviewed in Connecticut on October 9, 2026
Great value in the policy—compare the price every year—can’t be beat.
Verified Review
Reviewed in Connecticut on October 8, 2026
Initially, Geico offered the lowest premium for my car insurance. Recently, the premium keeps going up and up. Given the age of my cars (a 2010 Toyota Corolla and a 2003 Saturn Ion) and the fact that I requested the lowest available coverage, I feel like I’m paying much more than I should be. This leaves me very disappointed in an insurance company I initially admired. Right now, I’m looking for a better deal.
Verified Review
Reviewed in Connecticut on October 2, 2026
Good price.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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
Connecticut drivers can save on their premiums with GEICO’s discounts. The DriveEasy telematics program tracks your driving behavior, and you can earn discounts for safe driving. Connecticut military residents stationed at Naval Submarine Base New London can save 15% on their insurance premiums. GEICO also offers an emergency deployment discount.
Pros
Numerous discounts available in Connecticut
DriveEasy telematics program rewards safe driving
Military discount for Connecticut service members
Cons
Limited agent presence in Connecticut
Average JD Power rating for customer service in New England
No gap insurance
Best for customer service: Amica
| User Reviews | 4.5 |
|---|---|
| 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. | 8.6 /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. | $225/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. | $386/mo |
4.5
Best choice in ConnecticutBased on 196 verified driver reviews and ratings
Amica's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
Based on analysis of verified reviews collected by Insurify
Best in Connecticut for
Showing recent national reviewsSee all 107 Amica reviews
Verified Review
Reviewed in Massachusetts on September 19, 2026
Excellent, very professional and knowledgeable staff.
Verified Review
Reviewed in Rhode Island on April 30, 2026
Excellent customer service.
Verified Review
Reviewed in Massachusetts on March 23, 2026
Amica is great. Customer service and claims both have great communication. It's just too pricey for my budget right now.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57
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
Amica has earned the highest rating in the New England region in the JD Power U.S. Auto Insurance Study for three consecutive years. Amica also has an excellent Trustpilot rating of 4.5 out of 5.
Pros
Best JD Power rating for customer satisfaction in New England
Excellent Trustpilot rating
Dividend policy returns a portion of your premium each year
Cons
Limited agent presence in Connecticut
Fewer unique coverages than some competitors
No rideshare insurance
How we chose the best companies
To identify the best car insurance companies for Connecticut drivers, we evaluated 200-plus regional and national companies. We analyzed thousands of user reviews from verified Insurify customers to identify which companies provided the best overall experience, claims and customer satisfaction, and overall value. Whenever available, we considered scores and rankings from third-party organizations, such as AM Best and J.D. Power. We assessed multiple data points to rate affordability, coverage options, available discounts, customer satisfaction, and financial strength.
How much is car insurance in Connecticut?
The average cost of car insurance in Connecticut is $161 per month for liability coverage and $225 for full coverage. That’s much higher than the national monthly averages of $99 for liability coverage and $187 for full coverage.
Connecticut has nearly 100 miles of coastline spanning along Long Island Sound, which makes its flood risk relatively high compared to landlocked states.[1] The Constitution State is also close to both New York City and Boston, which can increase traffic congestion and accident risk throughout the state.
Shop for Cheap Connecticut Car Insurance
Liability quotes start at $78/mo.
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Average car insurance quotes in Connecticut cities
The table below shows the average liability and full-coverage car insurance rates for drivers in different cities in Connecticut.
The below rates in Connecticut are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Groton | $130 | $195 |
| Torrington | $134 | $217 |
| Norwich | $139 | $222 |
| Danbury | $150 | $221 |
| Norwalk | $150 | $240 |
| Stamford | $151 | $234 |
| Meriden | $152 | $236 |
| Milford | $152 | $228 |
| New Britain | $155 | $230 |
| Shelton | $157 | $238 |
| Bridgeport | $187 | $286 |
| West Haven | $187 | $267 |
| Waterbury | $189 | $293 |
| Hartford | $195 | $290 |
| New Haven | $201 | $287 |
Disclaimer: Table data sourced from real-time Connecticut car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Connecticut may vary based on the policy buyer's unique driver profile.
Car insurance costs more in some Connecticut cities than others. The following chart shows Connecticut’s five most expensive cities for car insurance.
The below rates in Connecticut are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Shelton | $157 | $238 |
| West Haven | $187 | $267 |
| Waterbury | $189 | $293 |
| Hartford | $195 | $290 |
| New Haven | $201 | $287 |
On-the-spot guidance from licensed insurance experts
)
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
)
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Qualifications:
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
)
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
Why you should compare car insurance quotes in Connecticut
Comparing auto insurance quotes in Connecticut can help you find the lowest premiums for your coverage needs. Premiums can vary depending on your age, gender, and ZIP code.
Here are some tips to help you get the most accurate quotes:
Compare like with like. Make sure you request your quotes for the same type and amount of coverage with each insurer. This lets you compare apples to apples for a full picture of your coverage and premiums.
Provide your vehicle details. Include the vehicle make, model, and VIN when you request a quote.
Include all household drivers. List the names of all licensed drivers in your household so you don’t have to add them later.[2]
Disclose your driving history. Include any speeding tickets, accidents, or operating under the influence (OUI) convictions to get the most accurate quote.
Connecticut car insurance requirements
Like many states, Connecticut requires all drivers to carry 25/50/25 in liability insurance, a fairly common liability requirement across the country. Connecticut also requires uninsured motorist coverage, which is less commonly required elsewhere in the country.
Connecticut is an at-fault state, which means the driver who causes an accident is liable for resulting damages and injuries.
Connecticut doesn’t require drivers to have collision coverage or comprehensive coverage, but your lender may require it if you have a car loan or lease.
Below, you can see the minimum liability insurance requirements in Connecticut.
Coverage Type | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist (UM/UIM) coverage | $25,000 per person/$50,000 per accident |
Agent Tip: Is liability-only insurance enough in Connecticut?
“A liability-only policy can lower your premium, but it offers limited protection. In Connecticut, accidents and claims can become costly. Even a minor accident could leave you paying out of pocket. It’s important to balance affordability with adequate coverage.”
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Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
How to find the cheapest Connecticut car insurance
Shopping around is the best way to find cheap car insurance coverage in Connecticut. Drivers aged 60 and older can lower their premiums by at least 5% by completing a safe driving course, per Connecticut law.[3] Some insurers may offer bigger discounts, so comparing quotes is a good idea.
The average credit score in Connecticut is 724, according to Experian, which lenders consider good. Connecticut lets insurance companies use a credit-based insurance score to help determine risk. Even if you have good credit, paying bills on time and keeping credit usage low can help improve your credit and earn cheaper premiums.
You can take the following actions to try to decrease your car insurance costs:
Maintain a good driving record.
Park in a garage or locked parking lot.
Increase your deductible.
Bundle your auto insurance with other policy types.
Ask about car insurance discounts.
Find Cheap Connecticut Car Insurance
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Find quotes for your driver profile
Your car insurance premiums can vary depending on your driving history, age, credit, and coverage requirements. Use the following resources to learn more about car insurance for different driver profiles.
Connecticut car insurance guides
Average Cost of Car Insurance in Connecticut
Best Car Insurance in Connecticut
How car insurance costs have changed in Connecticut
Car insurance costs in Connecticut increased by nearly 11% in the first half of 2026, according to Insurify’s American Driver report. Insurify projects costs will be 15% higher year over year by the end of 2026. This is the largest projected increase of any state, based on Insurify data.
The Connecticut Insurance Department cites rising car repair costs as one of the main factors driving increases in car insurance premiums.[4] Connecticut also has one of the highest average collision claim costs, at $7,285, according to the National Association of Insurance Commissioners.[5]
Average Connecticut Car Insurance Rates Over the Past Five Years
State Name | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 | 2026-09 | 2026-10 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Connecticut | 1,554 | 1,558 | 1,558 | 1,568 | 1,578 | 1,611 | 1,640 | 1,663 | 1,683 | 1,693 | 1,716 | 1,716 | 1,717 | 1,715 | 1,722 | 1,739 | 1,748 | 1,770 | 1,781 | 1,797 | 1,804 | 1,845 | 1,881 | 1,927 | 1,952 | 1,962 | 2,008 | 2,025 | 2,068 | 2,132 | 2,200 | 2,222 | 2,193 | 2,297 | 2,405 | 2,425 | 2,392 | 2,372 | 2,420 | 2,515 | 2,533 | 2,496 | 2,464 | 2,444 | 2,423 | 2,426 | 2,400 | 2,384 | 2,365 | 2,361 | 2,383 | 2,415 | 2,446 | 2,489 | 2,545 | 2,588 | 2,623 | 2,654 | 2,682 | 2,691 | 2,703 |
| United States | 1,562 | 1,565 | 1,566 | 1,569 | 1,571 | 1,578 | 1,591 | 1,602 | 1,607 | 1,612 | 1,617 | 1,624 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,718 | 1,758 | 1,802 | 1,850 | 1,886 | 1,917 | 1,956 | 1,982 | 2,006 | 2,036 | 2,075 | 2,127 | 2,191 | 2,237 | 2,295 | 2,341 | 2,368 | 2,390 | 2,387 | 2,374 | 2,371 | 2,362 | 2,352 | 2,368 | 2,369 | 2,369 | 2,357 | 2,344 | 2,319 | 2,286 | 2,258 | 2,229 | 2,217 | 2,223 | 2,224 | 2,225 | 2,233 | 2,239 | 2,237 | 2,238 | 2,238 | 2,240 | 2,241 | 2,243 |
Connecticut car insurance FAQs
The following information provides more detail on Connecticut car insurance.
Why is Connecticut car insurance so high?
Connecticut auto insurance rates are high in part due to rising car repair costs and a high average collision claim cost.
What are the minimum auto insurance requirements in Connecticut?
The minimum auto insurance requirements in Connecticut are $25,000 per person and $50,000 per accident for bodily injury liability, and $25,000 per accident for property damage liability. Connecticut also requires drivers to have $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
Is Connecticut a no-fault state?
No. Connecticut is an at-fault state. Per Connecticut law, the driver who causes an accident is liable for any injuries or property damages they cause.
What insurer has the cheapest car insurance in Connecticut?
State Farm has the cheapest car insurance in Connecticut, with an average cost of $78 per month for liability-only coverage.
How can you lower your car insurance rates in Connecticut?
You can lower your car insurance rates in Connecticut by maintaining a good driving record, parking in a secure location, choosing lower coverage limits, and increasing your deductible. Also, ask your insurer which discounts you might qualify for.
Sources
- Connecticut Division of Emergency Management and Homeland Security. "Flood Hazard."
- Connecticut Insurance Department. "CID Auto Insurance Information Center."
- Connecticut Insurance Department. "Understanding Your Options to Help Lower Your Auto Insurance Premium."
- Connecticut Insurance Department. "What Connecticut Drivers Should Know About Rising Auto Repair and Insurance Costs."
- National Association of Insurance Commissioners. "2022/2023 Auto Insurance Database Report."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
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Average Car Insurance Cost in Connecticut
Drivers in Connecticut pay an overall average of $193 per month for car insurance.
Best Car Insurance in Connecticut
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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The 10 Largest Auto Insurance Companies in the U.S.
Top insurers State Farm, Progressive, GEICO, and Allstate account for more than half the total car insurance market.
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Free Car Insurance Quotes Online From Top-Rated Companies
Getting multiple quotes from Insurify for top insurance companies could help you save up to $1,100 per year.
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Best Car Insurance Comparison Sites of 2026
We tested five well-known car insurance comparison websites to see which serve real-time, personalized quotes, are user-friendly, and won’t spam your inbox.
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How to Shop for Car Insurance: Step-by-Step Guide
To shop for car insurance, compare quotes from multiple insurers, choose the right coverage limits, check discounts, and review policy details before buying.
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Cheapest Auto Insurance in Bridgeport, Connecticut
State Farm offers the cheapest car insurance in Bridgeport, with minimum-coverage policies as low as $98 per month.
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Cheapest Auto Insurance in Danbury, Connecticut
A liability-only insurance policy costs Danbury drivers an average of $150 per month.
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Cheapest Auto Insurance in New Haven, Connecticut
State Farm offers the cheapest rates in New Haven, starting at $101 per month.
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Cheapest Auto Insurance in Stamford, Connecticut
State Farm offers the cheapest car insurance in Stamford, with minimum-coverage policies starting at $80 per month.
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Cheapest Auto Insurance in Waterbury, Connecticut
The cheapest liability auto insurer in Waterbury is State Farm, which has rates as low as $100 per month.
Writer: Catherine HilesInsurance, Personal Finance Writer
Writer: Catherine HilesInsurance, Personal Finance Writer
Qualifications:
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.