Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Geico offers the most affordable car insurance at $1,242 per year.
This comprehensive guide to buying car insurance for Connecticut drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Connecticut works and how much coverage you need.
- Geico provides the most affordable annual rates for full coverage car insurance in Connecticut, costing $1,242 per year.
- In Connecticut, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Connecticut costs around $704 annually for limits of 25/50/25, while liability-only coverage costs $783 per year for limits of 50/100/50.
- In Connecticut, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 20%, a DUI raising rates by 78%, and an at-fault accident by up to 51%.
How much is car insurance in Connecticut?
In Connecticut, drivers pay an average of $144 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Connecticut by coverage level
Car insurance costs in Connecticut can differ based on the coverage limit. To legally drive, Connecticut residents must adhere to the minimum liability limits of 25/50/25.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Connecticut for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $59 | $704 |
| Liability Only – 50/100/50 BI/PD | $65 | $783 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $144 | $1,725 |
State minimum car insurance in Connecticut
Connecticut laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
In Connecticut, you can get state minimum car insurance for $704 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Connecticut must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Connecticut
The average cost of liability-only insurance in Connecticut is $783 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Connecticut
In Connecticut, you can expect to pay around $1,725 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Connecticut
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
This means that residents in higher-risk neighborhoods in Connecticut have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Connecticut car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Connecticut by car model
Connecticut car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much car insurance costs for your car make and model in Connecticut.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Connecticut
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Connecticut drivers aged 30 to 60 have the lowest average auto insurance rates at $1,686 annually.
Connecticut drivers aged 16-19 pay $5,392 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,078 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,880 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,686 per year in Connecticut.
- For senior drivers: Drivers age 65 and older can expect to pay $1,802 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Connecticut
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Connecticut, a DUI conviction often results in higher premiums and you may see an increase of up to 78% as insurers perceive you as a high-risk driver.
If you receive a speeding ticket in Connecticut, be prepared for your car insurance rates to rise by up to 20% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 20% increase
- DUI conviction: 78% increase
- At-fault accident (bodily injury and property damage): 51% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Connecticut for high-risk drivers
In Connecticut, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $904 |
| Geico | $1,747 |
| State Farm | $1,858 |
| Kemper | $2,632 |
| Progressive | $2,664 |
| Nationwide | $2,994 |
| Allstate | $3,920 |
| Amica | $4,017 |
| Farmers | $5,208 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Connecticut
In Connecticut, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Connecticut by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Connecticut, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Geico | $384 | $463 | $1,242 |
| Kemper Insurance | $562 | $658 | $1,571 |
| Progressive | $881 | $940 | $1,708 |
| State Farm | $613 | $718 | $1,733 |
| Nationwide | $808 | $867 | $1,766 |
| Farmers | $921 | $929 | $2,192 |
| Allstate | $732 | $831 | $2,195 |
| Amica Mutual | $731 | $854 | $2,516 |
Car insurance rates by city in Connecticut
Bridgeport is the most expensive city in Connecticut, with an average car insurance rate of $2,334 a year. Groton is the cheapest city for Connecticut drivers at an average rate of $1,496 annually.
Car insurance premiums differ across cities in Connecticut and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Connecticut’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $769 |
| Geico | $1,711 |
| Progressive | $1,894 |
| Kemper | $2,129 |
| Nationwide | $2,295 |
| State Farm | $2,461 |
| Allstate | $2,705 |
| Farmers | $3,169 |
| Amica | $3,877 |
How much does car insurance cost in Connecticut per month?
In Connecticut, a full coverage car insurance policy with 100/300/100 limits typically costs about $144 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $59 |
| Liability Only – 50/100/50 BI/PD | $65 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $144 |
Final thoughts on choosing car insurance in Connecticut
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Connecticut.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Connecticut. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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