Cheapest Car Insurance Quotes in Connecticut

State Farm is one of the cheapest insurers in Connecticut, with an average liability rate of $105 per month. Get real-time car insurance quotes and buy your policy in minutes, completely online with Insurify.

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Cheapest recent car insurance quotes in Connecticut

Drivers using Insurify have found quotes as cheap as $89/mo for liability only and $110/mo for full coverage in Connecticut.

*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Carley Clark
Written byCarley Clark
Carley Clark
Carley ClarkInsurance Writer
  • 5+ years experience in personal finance writing

  • Personal finance blogger

Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.

She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.

When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog. 

Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.

Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • 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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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

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Cheapest car insurance quotes in Connecticut

Car insurance in Connecticut costs well above the national U.S. average, with monthly premiums averaging $156 for liability-only coverage and $236 for full coverage.

Average auto insurance rates tend to be higher in Connecticut due to its population density, traffic congestion, and severe weather. From July 2023 to June 2024, Connecticut experienced its wettest year on record.[1] The state also saw a 28% increase in vehicle theft from 2010 to 2024, according to the Connecticut Office of Policy and Management.[2]

We’ve collected quotes from 120+ insurers to help you find cheap car insurance in Connecticut. Below, you can see the most affordable insurers by coverage level and driving record.

Driver Category
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Cheapest Insurance Company in CT
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Cheapest Monthly Quote in CT
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OverallState Farm$105
State-minimum coverageState Farm$105
Full coverageState Farm$160
Drivers with a clean recordState Farm$105
After a speeding ticketState Farm$129
After an at-fault accidentState Farm$134
After a DUIState Farm$160
Teen/new driversState Farm$194
SeniorsState Farm$85
Bad creditState Farm$146
Disclaimer: Table data is based on real-time Connecticut quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cheapest liability-only car insurance in Connecticut: State Farm

Connecticut follows a tort system, meaning you’re responsible for the damages you cause in an accident. You must carry liability insurance to drive legally in Connecticut, but it may not be enough to cover all the damages after an accident.

Minimum coverage requirements also include uninsured (UM) and underinsured (UIM) motorist coverage in case someone hits you and doesn’t have insurance. Although only about 12% of drivers are uninsured (lower than the national average), that’s still almost 1 in 8 drivers without coverage.

Liability-only insurance in Connecticut averages $156 per month. Our data shows that State Farm offers the cheapest liability coverage, averaging $105 per month.

Below are quotes for cheap liability car insurance in Connecticut.

The below rates in Connecticut are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance Company
sort ascsort desc
Average Monthly Quote
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State Farm$105
Safeco$120
GEICO$133
USAA$143
Progressive$144
Direct Auto$157
Root$176
Travelers$210
National General$211
Nationwide$231
Allstate$245
Bristol West$265
Liberty Mutual$298
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.

Agent Tip: Is liability-only insurance enough in Connecticut?

Brett Clendenen

Brett Clendenen

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Sales Manager at Insurify, Insurify

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.

Cheapest full-coverage car insurance in Connecticut: State Farm

The average cost of a full-coverage policy in Connecticut is $236 per month. While it’s more expensive than liability coverage, full coverage offers protection against certain state-specific risks.

The southbound stretch of Interstate 95 in Stamford, Connecticut, is the most congested road in the country.[3] If you get into an accident without collision coverage, you’ll have to pay for damages to your own vehicle.

You might also consider comprehensive coverage. Vehicle collisions killed at least 292 deer in Connecticut in 2023, though many incidents likely go unreported.[4]

Connecticut drivers can find the cheapest full-coverage rates with State Farm. The table below compares quotes for cheap full-coverage car insurance in Connecticut.

The below rates in Connecticut are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$160
Safeco$165
CSAA$189
GEICO$205
Progressive$213
USAA$219
Root$226
Direct Auto$264
Travelers$320
Nationwide$353
National General$366
Allstate$375
Liberty Mutual$377
Bristol West$417
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.

Cheapest recent car insurance quotes in Connecticut

Drivers using Insurify have found quotes as cheap as $143/mo for liability only and $205/mo for full coverage in Drivers using Insurify have found quotes as cheap as $143/mo for liability only and $205/mo for full coverage in ..

*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Connecticut within the last 10 days. Last updated on April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Best cheap car insurance companies in Connecticut

As the insurance capital of the world, Connecticut has a highly competitive insurance market with 1,609 insurance companies operating in the state. Below are our top picks for the best insurers in Connecticut based on pricing, coverage options, and local availability.

State Farm: Best for car insurance discounts in Connecticut

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.
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
4.0
Best choiceBased on 17,156 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.13.2
Customer service4.33.6
Discounts3.82.9
Policy transparency3.83.1
Value3.72.9
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 For
Customer service
Competitive rates
Discounts for safe drivers
Showing 11 reviews from Connecticut driversSee all 7,399 State Farm reviews
Louis
Verified Review
Poor
Guard your wallet. Rates go up every 6 months.
Richard
Verified Review
Fair
Too expensive, especially because most of it goes to the agent. I am going to try a broker.
Valerie
Verified Review
State Farm Review
They're fine, but the payments go up every 6 months.
JD Power
J.D. 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

Connecticut drivers pay above the national average for car insurance, making discounts especially valuable. State Farm offers savings for safety features, good grades, and staying claims-free — which can be valuable for Connecticut drivers facing higher premiums.

State Farm also offers a discount for completing a defensive driving course, which aligns with Connecticut’s mandatory minimum 5% discount law for drivers aged 60 and older.[5]

Pros
  • Lower premiums than most competitors

  • Extensive agent network in Connecticut

  • Above-average J.D. Power customer satisfaction in New England

Cons
  • No accident forgiveness

  • Gap insurance not available

  • No diminishing deductible

GEICO: Best for customer service in Connecticut

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.
9.2 /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
3.9
A solid optionBased on 17,397 verified driver reviews and ratings
GEICO's score
Industry average
Coverage options4.03.2
Customer service4.13.6
Discounts3.92.9
Policy transparency3.93.1
Value3.82.9
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 For
Teen drivers
Cheap rates
Accident forgiveness
Showing 25 reviews from Connecticut driversSee all 7,617 GEICO reviews
Jeremy
Verified Review
Good insurance and worth your while
It's better than the other insurance for me. It's the cheapest right now for me, but it can be expensive as well.
Donna
Verified Review
Good
You need to call them yearly; otherwise, they automatically increase your rate.
Michael
Verified Review
Good
The premium is too high every month.
JD Power
J.D. 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

In Connecticut, drivers have plenty of coverage options — but service quality varies. GEICO ranked third for New England in the J.D. Power U.S. Auto Insurance Study, making it a strong choice for experience and affordability. Its mobile app also has excellent ratings and lets you access ID cards, request roadside assistance, and file a claim.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • DriveEasy telematics rewards safe driving

  • Lower-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)

Cons
  • No gap insurance

  • No accident forgiveness in Connecticut

  • Below-average J.D. Power claims satisfaction rating

Progressive: Best for bundling 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
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.

Based on analysis of verified reviews collected by Insurify

Best For
Competitive rates
Easy buying process
Telematics program
Showing 14 reviews from Connecticut driversSee all 8,367 Progressive reviews
Alan
Verified Review
We Are All Getting Overcharged by Auto Insurance Companies
Way overpriced, but still lower than any other option right now.
David
Verified Review
Progressive follow-up
Excellent customer service!
Vivian
Verified Review
No incentives
Too expensive. I have the same old car, yet the price still increases.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
620
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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

With nearly two-thirds of Connecticut residents owning their homes, bundling auto and homeowners insurance can help many residents save.[6] Progressive offers several bundling options, including renters, condo, boat, and RV coverage. If a single event affects multiple policies, you can file one claim and pay just one deductible.

Pros
  • Multiple bundling options

  • Name Your Price Tool fits coverage to your budget

  • Snapshot telematics program available in Connecticut

Cons
  • Snapshot program can increase rates for risky driving

  • Scored below average for New England in J.D. Power survey

  • Poor customer ratings with the Better Business Bureau (BBB)

How car insurance costs in Connecticut have changed 

Insurify data shows Connecticut’s average annual car insurance premium was $2,379 at the end of 2025. Rate increases have slowed considerably after inflationary and supply chain pressures drove price hikes, according to the Connecticut Insurance Department. The department recorded a 4% rate increase for 2025, down from almost 9% in 2024.

Insurify’s Car Insurance Trends Report projects a 1% increase in Connecticut’s car insurance costs in 2026.

Average car insurance costs in Connecticut over time

The table below highlights how much car insurance rates have changed in Connecticut over the past five years.

Average Connecticut Car Insurance Rates Over the Past Five Years

State Name
2021-03
2021-04
2021-05
2021-06
2021-07
2021-08
2021-09
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
United States1,5691,5601,5571,5531,5551,5591,5591,5641,5671,5691,5701,5731,5801,5941,6041,6091,6141,6201,6271,6341,6421,6531,6671,6901,7211,7591,8031,8511,8881,9201,9581,9852,0072,0372,0772,1292,1952,2412,3012,3422,3692,3902,3862,3732,3702,3612,3492,3642,3662,3662,3552,3412,3182,2862,2572,2282,2152,2222,2232,2242,233
Connecticut1,5631,5751,5951,5981,5781,5611,5601,5581,5631,5601,5701,5851,6171,6451,6691,6901,6991,7281,7311,7331,7301,7341,7461,7501,7721,7901,7991,8051,8461,8861,9261,9531,9642,0092,0382,0702,1242,1972,2332,2012,2962,4152,4392,4092,3892,4362,5292,5352,5012,4722,4552,4372,4382,4112,3932,3832,3812,4082,4452,4752,520

Shop for Car Insurance in Connecticut

Liability quotes start as low as $105 per month

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Connecticut car insurance requirements

Connecticut car insurance requirements include liability coverage for bodily injury or property damage you cause in an accident. Your minimum car insurance must also include UM/UIM coverage if you’re involved in an accident with an uninsured motorist.

Here are the types of coverage you need in Connecticut:

Coverage Type
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Required Coverage Limit
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Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability$25,000
Uninsured/underinsured motorist coverage$25,000 per person / $50,000 per accident

Connecticut is an at-fault state, meaning accident victims can sue the responsible party for damages. That means you may want higher coverage limits than the state minimum for added financial protection. Unlike in no-fault states, you don’t need to purchase personal injury protection (PIP) in Connecticut.

Car insurance rates across Connecticut cities

Car insurance rates vary significantly across Connecticut. Insurers must weigh local loss data more heavily than statewide averages — with 75% based on local loss costs and 25% based on the statewide average.[7]

Groton and Norwich drivers pay the lowest rates in the state, while drivers in New Haven, Waterbury, and Hartford pay some of the most expensive rates.

The table below shows average monthly rates across Connecticut’s major cities.

City
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Average Monthly Quote
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Bridgeport$223
Danbury$183
New Haven$235
Stamford$184
Waterbury$230
Disclaimer: Table data is based on real-time Connecticut quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance quotes in Connecticut for drivers with a clean record: State Farm

Connecticut insurance companies place drivers into rate tiers based on driving history, location, and past claims. State law allows companies to use these and other risk factors when setting rates. And while the Connecticut Department of Motor Vehicles (DMV) keeps a record of traffic violations for three years, serious violations can remain for 10.

People with a clean driving record typically pay lower rates, averaging $138 per month, according to Insurify data.

The table below shows the cheapest car insurance rates in Connecticut for drivers with good credit and a clean record, with the lowest rates from State Farm.

The below rates in Connecticut are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$98
Safeco$123
GEICO$126
USAA$134
Progressive$139
Direct Auto$144
Root$171
Travelers$194
National General$203
Nationwide$212
Allstate$236
Bristol West$250
Liberty Mutual$301
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.

Cheapest car insurance in Connecticut for drivers with a speeding ticket: State Farm

Speeding in Connecticut can be costly. A ticket can cost you anywhere between $200 and $500, depending on the location and how fast you were speeding. More than 2% of drivers in Connecticut have a speeding ticket, according to Insurify data.

The average Connecticut driver with a speeding ticket pays a monthly premium of $184.

The Connecticut insurers in the table offer affordable rates after a speeding ticket, with State Farm offering the cheapest rates.

The below rates in Connecticut are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$129
Safeco$153
GEICO$169
Progressive$170
USAA$180
Direct Auto$192
Root$228
National General$249
Travelers$265
Nationwide$291
Allstate$310
Bristol West$325
Liberty Mutual$368
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.

Affordable car insurance in Connecticut with an at-fault accident: State Farm

Insurify data shows more than 4% of drivers in Connecticut have an at-fault accident on their record. Traffic fatalities fell by 12% in 2025, according to the Connecticut Department of Transportation. Still, accidents remain a risk — especially since Connecticut is an at-fault state.

Drivers in Connecticut with an at-fault accident pay an average of $191 per month for a liability policy. But State Farm offers the lowest rates.

Here are the cheapest car insurance quotes in Connecticut for drivers after an at-fault accident.

The below rates in Connecticut are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$134
Safeco$162
GEICO$168
Progressive$177
USAA$185
Direct Auto$207
Root$228
National General$259
Travelers$273
Nationwide$300
Allstate$317
Bristol West$337
Liberty Mutual$382
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.

Cheap car insurance quotes for Connecticut drivers with a DUI: State Farm

About 0.5% of drivers in Connecticut have a driving under the influence (DUI) conviction, according to Insurify data. This is one of the lowest rates in the country. Your first conviction could result in a 45-day license suspension and require an ignition interlock device (IID) for one year once you get your license back.

Insurers also view you as high risk after a DUI, which can increase your rates. Connecticut drivers with a DUI pay $251 per month for liability policies, on average.

The table below highlights the cheapest insurers for Connecticut drivers after a DUI.

The below rates in Connecticut are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$160
Safeco$193
GEICO$201
USAA$218
Progressive$232
Direct Auto$240
Root$271
Travelers$320
National General$340
Nationwide$352
Allstate$374
Bristol West$404
Liberty Mutual$455
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.

Cheapest car insurance for drivers with an SR-22 in Connecticut: State Farm 

The Connecticut DMV may require proof of financial responsibility to reinstate your license after a serious driving conviction. This is typically accomplished by filing an SR-22 certificate through your insurer.

Drivers in Connecticut who need an SR-22 pay an average of $175 per month for car insurance. State Farm currently offers the lowest average premium for drivers needing an SR-22.

Below are the cheapest auto insurance quotes in Connecticut for drivers with an SR-22.

The below rates in Connecticut are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$118
Safeco$135
GEICO$149
USAA$160
Progressive$162
Direct Auto$176
Root$198
Travelers$236
National General$237
Nationwide$259
Allstate$275
Bristol West$297
Liberty Mutual$334
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.

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Cheapest car insurance for teen drivers in Connecticut: State Farm

Summer is the deadliest season for teenage drivers in Connecticut. The Connecticut Crash Data Repository recorded 106 fatal crashes involving teen drivers between 2020 and 2023, with more than 38% occurring between Memorial Day and Labor Day.

Teens pay more for car insurance in Connecticut, averaging $254 per month, but they may find the lowest rates with State Farm. Here are the cheapest car insurance quotes in Connecticut for teen drivers.

The below rates in Connecticut are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$194
GEICO$228
Safeco$232
Progressive$234
USAA$251
Root$290
Direct Auto$290
National General$343
Travelers$418
Nationwide$429
Bristol West$445
Allstate$462
Liberty Mutual$494
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.

Cheap car insurance quotes in Connecticut for senior drivers: State Farm

With more than 25% of Connecticut residents aged 60 or older — and the state’s ranking as the seventh-oldest by median age — senior drivers make up a significant share of the road. 

That said, drivers aged 65 and older account for about 18% of traffic fatalities in Connecticut, according to the U.S. Department of Transportation Fatality Analysis Report System. That helps explain why older drivers often get lower rates.

Seniors see some of the lowest premiums, averaging $141 per month. Below are the cheapest car insurance quotes for seniors in Connecticut.

The below rates in Connecticut are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$85
Safeco$107
GEICO$108
USAA$119
Progressive$130
Direct Auto$132
Root$151
Travelers$172
Nationwide$182
National General$191
Allstate$204
Bristol West$226
Liberty Mutual$254
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.

Connecticut car insurance quotes with bad credit: State Farm

In Connecticut, insurers can use your credit history to set rates for new policies. But state law limits how insurers can use credit when it’s time to renew your policies. The state typically only allows an insurer to consider your premium at policy renewal if it lowers your premiums or at your request. Companies must also report their scoring system to the Connecticut Insurance Department.

Drivers with poor credit in Connecticut pay an average of $179 per month for liability car insurance. That’s more expensive than what drivers with good credit pay, especially given the state’s above-average premiums.

Take a look at the most affordable companies for drivers in Connecticut with bad credit.

The below rates in Connecticut are estimated rates current as of: Monday, April 13 at 5:00 PM PDT. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Safeco$142
State Farm$146
GEICO$157
Progressive$165
USAA$168
Direct Auto$185
Root$208
National General$242
Travelers$248
Nationwide$273
Allstate$289
Bristol West$313
Liberty Mutual$342
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.

Find Cheap Car Insurance in Connecticut

Liability quotes average $179/mo. for drivers with bad credit

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Connecticut car insurance FAQs

The Connecticut Insurance Department encourages drivers to shop for coverage annually, but it helps to understand how the state’s coverage rules and costs work. Here are answers to the most common questions about car insurance in Connecticut.

  • What car insurance is required in Connecticut?

    In Connecticut, you must carry liability insurance with $25,000 per person and $50,000 per accident for third-party injuries and $25,000 for property damage. Connecticut also requires $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage for bodily injuries.

  • How much is car insurance in Connecticut?

    Liability-only coverage in Connecticut costs an average of $156 per month, while full coverage averages $236 per month, Insurify data shows.

  • What are the best car insurance companies in Connecticut?

    State Farm, GEICO, and Progressive are among the best insurance companies in Connecticut. But the right insurer for you depends on your budget and insurance needs.

  • Which company has the cheapest insurance in Connecticut?

    State Farm offers the cheapest car insurance rates in Connecticut, with liability rates of $105 per month. But premiums vary by driver, so it’s a good idea to compare auto insurance quotes from multiple companies to find the best rate.

  • What does auto insurance cover in Connecticut?

    Liability insurance in Connecticut covers third-party bodily injuries, vehicle damage, and related costs like medical expenses and lost wages if you cause an accident. Full coverage includes collision coverage for damage to your own vehicle and comprehensive coverage for non-collision losses, such as theft or natural disasters.

  • Is Connecticut a no-fault state?

    No. Connecticut is an at-fault state. The driver who causes the crash is responsible for damages, and the injured party can sue if insurance doesn’t fully cover the costs.

Sources

  1. Ct.gov. "Governor Lamont Announces 2025 Legislative Proposal: Strengthen Resilience Against Extreme Weather Events."
  2. Connecticut Office of Policy and Management (OPM). "2025 Annual Trends Report."
  3. INRIX. "INRIX 2024 Global Traffic Scorecard: Employees & Consumers Returned to Downtowns, Traffic Delays & Costs Grew."
  4. The Connecticut Department of Energy and Environmental Protection. "2023 Connecticut Deer Program Summary."
  5. CT.gov. "Insurance discounts."
  6. Uniteds States Census Bureau. "QuickFacts: Connecticut."
  7. Connecticut General Statutes § 38a-686. "Chapter 701: Personal and Commercial Risk Insurance."

Methodology

Insurify data scientists analyzed more than 190 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Carley Clark
Written byCarley ClarkInsurance Writer
Carley Clark
Carley ClarkInsurance Writer
  • 5+ years experience in personal finance writing

  • Personal finance blogger

Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.

She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.

When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog. 

Lequita Westbrooks
Edited byLequita WestbrooksSenior Editor
Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.

Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

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