The cost of car insurance in Connecticut varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Geico offers the cheapest rates at $1,242 a year for full coverage.
We’ve compiled this detailed guide to help you choose the right car insurance in Connecticut. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Connecticut and how much you need.
- Geico provides the most affordable annual rates for full coverage car insurance in Connecticut, at $1,242 per year.
- In Connecticut, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- 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 help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Connecticut by coverage level
In Connecticut, the cost of car insurance can vary depending on how much coverage you purchase. Connecticut drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Connecticut, but it doesn’t offer adequate protection.
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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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
According to CarInsurance.com data, liability-only car insurance costs $783 in Connecticut for limits 50/100/50.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Connecticut
The average annual premium in Connecticut is $1,725 for a full coverage policy with 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.
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Calculate the cost of car insurance in Connecticut
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, residents in higher-risk neighborhoods in Connecticut pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Connecticut Car Insurance Rates by ZIP Code
Estimate car insurance in Connecticut by car model
Car insurers in Connecticut use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less 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 you’ll pay for car insurance for your vehicle 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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Connecticut, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Connecticut can increase your premiums by up to 78% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Connecticut, you’ll likely see an increase in your car insurance premium by up to 20% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Connecticut following 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, comparing quotes can still help you save money.
Car insurance cost in Connecticut for high-risk drivers
High-risk drivers in Connecticut pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via 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.
Compare the best car insurance options in Connecticut by getting quotes from different insurance companies.
Below are the details of Connecticut car insurance companies and their 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 Connecticut’s most expensive city for car insurance at an average cost of $2,334 annually. Groton is the state’s least expensive city, with an average car insurance rate of $1,496 annually.
Car insurance rates vary by city in Connecticut for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Find below the average annual car insurance cost for drivers in some of Connecticut’s major 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?
Car insurance in Connecticut costs an average of $144 a month for a full coverage policy with limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Connecticut