Estimating the cost of car insurance in Connecticut depends on factors such as age, driving record, ZIP code, and the vehicle you drive.
CarInsurance.com’s auto insurance rate calculator uses your basic details to estimate car insurance costs in Connecticut for three different coverage levels: Full coverage, liability only (limits of 50/100/50) and state minimum coverage. Use the calculator below to find your average insurance rates.
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Connecticut.
- The average annual cost of a full coverage policy in Connecticut with liability limits of 100/300/100 is $1,725 or $144 per month.
- The minimum liability coverage in Connecticut costs around $704 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Connecticut: How to get auto insurance estimates
CarInsurance.com editors suggest getting quotes from at least three different insurers when shopping for a policy, either at renewal time – every six months – or annually.
Because each insurer uses its own rating system, they weigh factors like age and driving history differently. If you get a ticket, one insurer may increase your premium by 5%, while another could raise it by 20%.
What factors affect car insurance estimates in Connecticut?
Insurance estimates vary between states because of different insurance laws. In tort insurance states, the driver who caused the accident is responsible for covering the damages, and this often involves litigation to determine fault and damage costs.
Unlike tort laws, no-fault insurance laws in several U.S. states streamline the process by having each party’s insurance cover their own injury costs, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Connecticut by car model
When you’re shopping for a new vehicle, get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier for car insurance.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $2,472 |
| Electric | $2,608 |
| Hatchback | $1,853 |
| Hybrid | $2,137 |
| Luxury Car | $2,670 |
| Luxury SUV | $2,343 |
| Minivan | $1,823 |
| Performance SUV | $2,760 |
| Sedan | $1,937 |
| Sports Car | $2,864 |
| Station Wagon | $2,251 |
| SUV | $1,817 |
| Truck | $1,969 |
| Van | $1,694 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Use the car insurance calculator below to estimate your rates in Connecticut by make and model.
Insurance rates by car model
Connecticut car insurance estimates for used cars
Car insurance estimates for used cars in Connecticut are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in Connecticut.
Use the calculator below to determine your car insurance rates for used cars in Connecticut, depending on your vehicle’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple stepsFAQ: How to estimate car insurance rates before buying a car in Connecticut
How much auto insurance do I need in Connecticut?
The amount of car insurance you require is based on your financial situation, the value of your car and your risk tolerance. For financed or leased vehicles, your lender may ask you to purchase comprehensive and collision coverage, which, when combined with liability, is known as full coverage.
Each state, including Connecticut, has different minimum insurance requirements. However, these minimums provide only basic coverage and often fail to offer sufficient financial protection in the event of a severe car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in Connecticut per month?
In Connecticut, the full coverage car insurance comprises collision, comprehensive and liability with the limits of 100/300/100 and cost $144 a month. On the other hand, state minimum coverage costs $59 and liability policy with limits 50/100/50 is $65 monthly.
Does your age impact how much you pay for insurance in Connecticut?
In Connecticut, young drivers often pay higher car insurance premiums because they have less driving experience and are statistically more prone to accidents. Insurance providers take this data into account when determining the risk, which results in higher rates for younger drivers.
Young drivers are also more likely to participate in risky activities such as speeding and distracted driving, which affects car insurance premiums.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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