Cheapest Auto Insurance in Connecticut (2024)
State Farm has the cheapest liability quotes in Connecticut, at $57 per month.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, 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 reviewed byKonstantin Halachev
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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 November 7, 2024
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Table of contents
If you live in Connecticut, you can expect to spend an average of $292 per month on car insurance coverage, which is higher than the national average monthly premium of $158. Location-specific factors tied to your ZIP code, such as weather and crime rates, can affect your insurance premiums. For example, Connecticut drivers deal with dangerous driving conditions when it snows heavily in the winter, which could lead to filing more claims and increased rates.[1]
The best way to find cheap car insurance in Connecticut is to compare quotes from multiple insurance companies at once. Here’s what you need to know.
Quick Facts
State Farm, GEICO, and USAA offer the cheapest liability car insurance in Connecticut.
On average, Connecticut drivers pay $215 per month for liability insurance and $368 for full-coverage insurance.
Auto insurers in Connecticut can consider credit history when determining car insurance premiums.[2]
3 of the cheapest car insurance companies in Connecticut
The car insurance company you choose to buy coverage from can play a major role in how much you pay for your policy. While it’s tempting to look for the insurer that offers the cheapest possible policy, it’s a good idea to consider which one has the insurance products and customer experience you’re looking for.
Here are a few of the best car insurance options for Connecticut drivers.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|---|
| State Farm | 9.3 | $96 | $57 |
| GEICO | 9.0 | $118 | $70 |
| USAA | 9.4 | $132 | $77 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for discounts: GEICO
| 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. | 9.0 /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. | $70/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. | $118/mo |
4.0
Best choiceBased on 10252 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,635)
Elizabeth
November 7, 2024
Verified Review
Average Car Insurance
GEICO can raise premiums without prior consent.
Robert
November 7, 2024
Verified Review
Geico Insurance
Their rates just seem to be getting too high compared to other companies.
Samuel
November 6, 2024
Verified Review
Ripoff
It's cheaper than your quotes.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 is the 12th most-expensive state to live in.[3] To help save a little money, Connecticut residents may appreciate GEICO’s option to bundle multiple insurance products — like homeowner, condo, and mobile home insurance — with their auto policy at a discount. The company has an AM Best financial strength rating of A++ (Superior).
Pros
Highly rated mobile app
Top customer satisfaction rating in New England in J.D. Power’s 2023 U.S. Auto Insurance Study[4]
Cons
Gap insurance not available
Rideshare coverage not available
Best insurer for bundling: 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. | $57/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. | $96/mo |
4.2
Best choiceBased on 9003 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,952)
Bonnie
November 7, 2024
Verified Review
Solid Offering
Great agent.
Fred
November 7, 2024
Verified Review
Unfair Treatment by State Farm
I have been with them for over 5 years. In the last few years, they have been overcharging me, claiming that I underpaid. I was dealing with liver cancer during this time, which made the situation even more challenging. My truck broke down, and after paying for a whole month, they only refunded me $20 when I took it off the policy. That was disappointing. I inquired about a discount for being 65 years old, but was told they don't offer that. In fact, they might even charge more. Meanwhile, other companies offer senior discounts. For a long time, I was paying over $600 a month.
Dianne
November 7, 2024
Verified Review
A Royal Rip-Off
I had State Farm for over 50 years. I had one back-up accident which caused a dent in my fender. The damage to the parked car didn't seem significant, but I don't know the exact extent as they won't disclose it to me. I now suspect the damage was exaggerated. My insurance went from $79.00 per month to $119.00 per month. This rate includes both house insurance and coverage for my 2009 Scion. This was the only accident in all that time, and I didn't even get my car fixed! Over 30 years ago, my car was broken into at a movie theater and I claimed money for stolen jackets, CDs, and a blanket. If you ever need to use your insurance, they increase your rate unfairly. They collected premiums from me all those years without a claim, and when I finally needed it, they increased my rate. This is why so many people don't file claims when they could and should. It feels like a royal rip-off.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
838NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
You can save on your car insurance policy with an insurer like State Farm, which offers a wide variety of discounts. Because car insurance costs more in Connecticut than in some other states, it’s a good idea to inquire about potential discounts with State Farm, including having safety features in your car, finishing a defensive driving course, or earning good grades.
Pros
AM Best financial strength rating of A++ (Superior)
Many potential discounts
Cons
Can’t enroll online
Doesn’t offer gap insurance
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $77/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. | $132/mo |
4.9
Best choiceBased on 1597 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (911)
Tom
November 7, 2024
Verified Review
A Large Company Managed Inefficiently
I would recommend considering other options. My experience with them was not positive, even after being a customer for over 50 years.
Martin
November 6, 2024
Verified Review
Sharing My Experience with You
I have been with USA for more than 60 years. I am very happy with them. I had my car and my home insured for all of that time. I drive very little anymore, certainly well under 50 miles a day. I see ads for much lower rates and I was just looking to see if there are lower rates out there and if USA would give me a lower rate. I have no plans to change my insurance.
Richard
November 5, 2024
Verified Review
Excellent
Excellent experience with no problems.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
About 150,000 veterans live in Connecticut. Veterans and their family members can potentially save on car insurance with USAA.[5] This insurer caters to military members, veterans, and their families with competitive rates and policies customized to their unique needs. For example, USAA offers discounts for customers who store their vehicles on a military base during a deployment.
Pros
Specialized military discounts
AM Best financial strength rating of A++ (Superior)
Cons
Requires membership to be eligible for coverage
Doesn’t offer gap insurance
How to get the cheapest car insurance in Connecticut
Insurance companies consider various factors when determining your car insurance premium. Having a clean driving record often leads to lower premiums. The level of coverage you choose and the type of vehicle you own — including its make, model, and year — can also affect insurance costs.
To help you find more affordable car insurance in Connecticut, consider the following tips:
Compare quotes. Ask for quotes from multiple insurers to find the best rates. Make sure you request quotes for the same type and amount of coverage to get an accurate idea of which insurance company can offer you the best price.
Bundle policies. Combining auto and home insurance with the same insurer often leads to discounts.
Drive safely. Good drivers tend to save on car insurance. Avoid accidents and traffic violations to maintain a clean driving record and lower rates.
Ask about discounts. Many car insurance companies offer a variety of discounts. Before purchasing a policy, ask insurance agents from each company you’re considering about which discounts you may qualify for.
Find Cheap Car Insurance in Connecticut
Liability insurance quotes start at $57 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Connecticut: State Farm
Liability-only car insurance provides coverage for bodily injury and property damage if you cause an accident. It doesn’t cover your own medical bills or vehicle damage. While it offers limited protection, it can be a cost-effective option for drivers looking to fulfill legal obligations without the added expense of comprehensive or collision coverage.[6]
In Connecticut, liability-only policies cost an average of $215 per month. The following table highlights the other cheapest car insurance policies in Connecticut.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $57 |
| GEICO | $70 |
| USAA | $77 |
| Liberty Mutual | $87 |
| Progressive | $107 |
| Travelers | $114 |
| CSAA | $122 |
| Nationwide | $125 |
| Allstate | $132 |
| Direct Auto | $240 |
| National General | $241 |
| Foremost | $243 |
| Bristol West | $244 |
| Amica | $279 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Connecticut: State Farm
The main difference between liability-only and full-coverage car insurance is how much protection you have. Liability-only insurance covers the other driver’s injuries and property damage, excluding your own injuries or vehicle damage. Full-coverage insurance also includes comprehensive and collision coverage, offering protection for your vehicle as well.
If you have a new or expensive car or lease your vehicle, you may benefit from full-coverage insurance. Full-coverage policies in Connecticut cost $368 per month, on average.
The below table shows which Connecticut insurers offer the cheapest monthly quotes for full-coverage policies.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $96 |
| GEICO | $118 |
| USAA | $132 |
| Liberty Mutual | $170 |
| CSAA | $177 |
| Progressive | $183 |
| Travelers | $195 |
| Nationwide | $213 |
| Allstate | $225 |
| Foremost | $270 |
| Bristol West | $409 |
| Direct Auto | $432 |
| Amica | $475 |
| National General | $505 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Connecticut
Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $90/mo for full coverage in Connecticut.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 7, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 7, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 7, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 7, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Connecticut
Connecticut drivers must carry a minimum amount of insurance to drive legally in the state, including liability insurance and uninsured/underinsured motorist coverage.
To better understand which types of insurance coverage you need in Connecticut, check out the following table:[7]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist | $25,000 per person / $50,000 per accident |
To more fully protect your vehicle, you should also consider buying one or more of the following optional insurance policies:
Collision coverage
When you have collision insurance, it pays for vehicle repair costs when you get in a car accident and damage another car or even a stationary object, no matter who’s at fault.
Comprehensive coverage
Comprehensive insurance helps pay for vehicle damages and loss from non-collision incidents, like fires, vandalism, natural disasters, or theft.
Uninsured/underinsured motorist coverage
If you want coverage for damages and injuries caused by a driver who doesn’t have adequate car insurance coverage, uninsured/underinsured motorist coverage can help.
Gap coverage
A gap insurance policy will pay the difference between the cost of your insurance settlement and the lease balance of an auto loan after your insurer declares the car as a total loss.
Cheapest car insurance for drivers with an incident
For drivers with incidents on their records — including speeding tickets, driving under the influence, at-fault accidents, and other moving violations — finding the cheapest rates can be challenging. Insurers consider these incidents as indicators of higher risk, leading to increased premiums.
At-fault accidents and traffic violations suggest a higher likelihood of future claims, prompting insurers to raise rates to offset potential payouts. On average, Connecticut drivers with a past incident on their record pay $284 per month for liability insurance.
Shop for Car Insurance in Connecticut
Monthly rates start at $70 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding tickets typically lead to increased car insurance rates, as they signal a higher risk of getting into car accidents. On average, liability car insurance for drivers with a speeding ticket in Connecticut costs $298 per month.
To help you find more affordable rates, review the following table to see the cheapest insurers for drivers with a speeding ticket on their record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $57 | $73 |
| GEICO | $70 | $90 |
| USAA | $77 | $99 |
| Liberty Mutual | $87 | $121 |
| Progressive | $107 | $137 |
| Travelers | $114 | $148 |
| CSAA | $122 | $160 |
| Nationwide | $125 | $162 |
| Allstate | $132 | $170 |
| Direct Auto | $240 | $308 |
| National General | $241 | $311 |
| Foremost | $243 | $338 |
| Bristol West | $244 | $314 |
| Amica | $279 | $388 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Having an at-fault accident suggests a higher likelihood of filing future claims. Insurance companies raise premiums to offset the potential cost of covering damages and injuries. The severity of the car accident and the resulting claims history contribute to the determination of rate increases.
Liability car insurance for drivers in Connecticut with an at-fault accident costs an average of $300 per month. Here are other affordable insurers for drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $57 | $75 |
| GEICO | $70 | $93 |
| USAA | $77 | $102 |
| Liberty Mutual | $87 | $124 |
| Progressive | $107 | $144 |
| Travelers | $114 | $152 |
| CSAA | $122 | $169 |
| Nationwide | $125 | $168 |
| Allstate | $132 | $175 |
| Direct Auto | $240 | $325 |
| National General | $241 | $322 |
| Foremost | $243 | $346 |
| Bristol West | $244 | $322 |
| Amica | $279 | $401 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is a serious driving offense that indicates risky behavior, so insurance premiums rise substantially for drivers with a DUI conviction. Driving under the influence increases the likelihood of accidents, injuries, and claims.
Drivers in Connecticut with a DUI pay a monthly average of $343 for a liability-only policy.
Review the table below to get an idea of affordable insurers for drivers with a DUI on their record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $57 | $93 |
| GEICO | $70 | $114 |
| USAA | $77 | $125 |
| Liberty Mutual | $87 | $141 |
| Progressive | $107 | $174 |
| Travelers | $114 | $185 |
| CSAA | $122 | $198 |
| Nationwide | $125 | $203 |
| Allstate | $132 | $214 |
| Direct Auto | $240 | $390 |
| National General | $241 | $391 |
| Foremost | $243 | $394 |
| Bristol West | $244 | $396 |
| Amica | $279 | $408 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
As you get older, you gain more maturity and driving experience. Rates typically decrease steadily with age between 35 and 70. However, rates may increase for drivers 70 and older as aging brings related health and safety concerns.
Senior drivers pay an average of $158 per month for liability insurance in Connecticut.
Seniors looking for cheap coverage can start their search with one of the insurers below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $42 | $70 |
| GEICO | $53 | $89 |
| USAA | $58 | $100 |
| Liberty Mutual | $69 | $134 |
| Progressive | $72 | $123 |
| Travelers | $84 | $144 |
| Nationwide | $88 | $150 |
| CSAA | $89 | $129 |
| Allstate | $100 | $171 |
| National General | $175 | $366 |
| Direct Auto | $177 | $318 |
| Foremost | $182 | $203 |
| Bristol West | $185 | $310 |
| Amica | $200 | $340 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenage car insurance rates are higher than costs for adults, as young drivers lack driving experience. To secure the cheapest car insurance as a teen, it can be helpful to join their parents’ insurance plan, opt for a safe car, and take advantage of good student discounts.
A liability-only policy in Connecticut costs teen drivers an average of $377 per month. Compare quotes from other affordable insurance companies below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $97 | $164 |
| GEICO | $111 | $188 |
| USAA | $129 | $221 |
| Liberty Mutual | $154 | $302 |
| Progressive | $191 | $327 |
| CSAA | $199 | $288 |
| Travelers | $206 | $353 |
| Nationwide | $217 | $369 |
| Allstate | $234 | $399 |
| Bristol West | $414 | $694 |
| Amica | $425 | $724 |
| Foremost | $433 | $481 |
| Direct Auto | $438 | $789 |
| National General | $476 | $998 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Connecticut car insurance quotes by credit tier
Like most states, Connecticut allows insurers to consider credit scores when determining car insurance rates. Excellent or good credit scores can result in lower premiums, as they reflect a lower financial risk for the insurer. On the other hand, drivers with poor credit scores may face higher rates. Maintaining an excellent or good credit score is crucial for securing favorable car insurance rates.
Compare average quotes for full-coverage insurance by credit tier below.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Connecticut car insurance FAQs
Before you start shopping around for car insurance, you should determine the right amount of insurance for your needs. The following information should help you find cheap car insurance in Connecticut.
How much is car insurance in Connecticut?
Connecticut drivers pay $215 per month for liability insurance and $368 for full-coverage insurance, on average. The overall cost of coverage in the state is $292 per month. Ultimately, the cost of your policy will depend on your driving record, credit history, age, and more.
Which companies have the cheapest car insurance in Connecticut?
State Farm offers the cheapest liability car insurance in Connecticut, with a monthly rate of $57. GEICO has the second-cheapest car insurance option, at $70 per month. And USAA has affordable liability car insurance for $77 per month. The best way to find cheap car insurance is to compare quotes from multiple auto insurers.
What are the best car insurance companies in Connecticut?
With a high Insurify Quality (IQ) Score of 9.3 out of 5, an AM Best financial strength rating of A++ (Superior), and customizable coverage options, State Farm is the best car insurance company in Connecticut.
On average, State Farm policyholders in the state pay $57 per month for liability and $96 for full-coverage insurance.
What are the minimum car insurance requirements in Connecticut?
The minimum car insurance requirements in Connecticut include $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage. Drivers must also carry $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
Is Connecticut a no-fault state for car insurance?
No. Connecticut is an at-fault state for car insurance. This means the at-fault driver must cover the other driver’s resulting medical expenses and vehicle repairs.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Connecticut State Division of Emergency Management and Homeland Security. "Winter Weather Awareness."
- FindLaw. "U.S. Federal and State Cases, Codes, and Articles."
- Missouri Economic Research and Information Center. "Cost of Living Data Series."
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- United States Census Bureau. "QuickFacts Connecticut."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Connecticut Insurance Department. "Auto Insurance Coverage Information."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
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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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As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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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