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Cheap car insurance in Connecticut

In Connecticut, the average cost of car insurance is $2,145 a year and Electric Insurance Company, Geico, and Progressive are among the best and cheapest car insurance companies. You may find that another company is better for you based on your profile, vehicle, and coverage needs.

Written by Alyssa DiCrasto

Reviewed by Rob Deming Shield check

Last updated: September 22nd, 2023 

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How much is car insurance in Connecticut?

Car insurance costs $2,145 per year on average in Connecticut. This is 4.70% than the national average of $2,049 a year.

However, the cost of Connecticut car insurance can vary by a number of factors, such as the level of car insurance you need, the kind of vehicle you drive, and your profile.

These are the average prices a 35-year-old male driving a 2023 RAV4 would pay annually for state minimum coverage, standard coverage, and premium coverage in Connecticut. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter.
Rates
do not represent actual quotes. Accurate as of January 2024.
 

Car insurance rates across Connecticut

The zip code you live in also impacts your car insurance rates. In Connecticut, the most expensive zip code to purchase insurance is Bridgeport, CT 06604 while the least expensive zip code is Mystic, CT 06355. This map shows the average cost of car insurance across Connecticut. 

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Car insurance in popular cities in Connecticut

Click on one of the popular cities in Connecticut below to explore the average cost of car insurance, rates by factor, and local agents in your specific city.

Stamford,Bridgeport,Waterbury,Hartford,New Haven,Norwalk,Danbury,New Britain,West Hartford,Bristol,Manchester,Meriden
Connecticut
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Car insurance in Connecticut at a glance

These numbers represent average rates across Connecticut. Remember that you may find that another company is better for you based on your profile, vehicle, and coverage needs. 

$2,145

average annual premium

4.70%

than the national average

Save 35%

with excellent credit

Save 25%

when married

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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Connecticut car insurance requirements

Connecticut requires four types of car insurance coverage: bodily injury liability, property damage liability, uninsured motorist coverage, and underinsured motorist coverage. However, many drivers choose to purchase additional coverage types, such as medical payments, to help cover certain costs associated with different types of accidents.

If you’re one of the many drivers who lease or finance their vehicle, check with your lender about any additional insurance they may require. Although not mandated by the state, some lenders may require full coverage auto insurance in Connecticut.

Minimum car insurance requirements – Connecticut

Bodily Injury Liability – $25,000 limit per person/$50,000 limit per accident

Property Damage Liability – $25,000 limit

Uninsured Motorist Coverage – $25,000 limit per person/$50,000 limit per accident

Underinsured Motorist Coverage – Grouped with uninsured motorist coverage

The cheapest car insurance companies in Connecticut

Electric Insurance Company, Geico, and Progressive are the leading insurance providers in Connecticut that offer the cheapest full coverage car insurance policies on average.

It’s important to note that while we have determined the top three companies based on their average affordability for full coverage policies in Connecticut, you may find that other insurance providers will offer you cheaper rates based on your unique driver profile. It’s important to compare personalized rates from multiple insurers to find the best coverage and price combination for your specific needs.

1. Electric Insurance Company

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Electric Insurance Company is a reputable insurance provider with an AM Best rating of A. They offer a variety of insurance products and services, including discounts such as Good driver discounts, which allow policyholders to save on their premiums. Known for its award-winning services, Electric Insurance goes beyond traditional coverage by adopting the Risk Coach Approach. This approach involves providing customers with expert advice and guidance to help them navigate risks and make informed decisions. With a commitment to excellence and a focus on customer satisfaction, Electric Insurance Company strives to provide reliable protection and service to its policyholders.

2. Geico

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Geico, the third largest auto insurance company in the United States, is renowned for its extensive coverage options and competitive rates. With an impressive AM Best rating of A , Geico demonstrates a strong financial standing to support its policyholders. Geico offers a wide array of discounts, including multi-policy options for bundling coverage, rewards for safe drivers, and special discounts for military personnel. Notably, the company boasts an impressive “97% customer satisfaction rating,” underscoring its commitment to providing excellent customer service and meeting the needs of its policyholders. Geico’s combination of affordability, diverse discounts, and high customer satisfaction makes it a popular choice for auto insurance.

3. Progressive

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Progressive is a leading insurance company, ranked as the 2nd largest in the US based on market share. With an impressive AM Best rating of A , Progressive offers reliable coverage to their policyholders. They provide a wide range of discounts, including Telematics, Good driver, and student discounts, allowing customers to save on their premiums. Progressive stands out with its Name Your Price tool, which helps customers find the right coverage at a price that fits their budget. With an average savings of $700, 85 years of experience, and 24/7/365 support, Progressive has earned the trust of over 27 million people who rely on them for their insurance needs.

Compare car insurance in Connecticut by coverage amount

Cheapest full coverage car insurance in Connecticut

A full coverage car insurance policy offers more complete coverage. It often includes higher liability coverage limits, personal injury protection, comprehensive insurance, and collision insurance. These additional coverages will help cover any damages you or your vehicle sustains in an accident or non-collision incident.

On average, a full coverage policy in Connecticut is $2,145 for an annual policy.

These are the average prices a 35-year-old male driving a 2023 RAV4 would pay for a premium full coverage policy ($100k/$300k/$100k with a $500 deductible) at each of the top insurance companies in Connecticut. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter.
Rates
do not represent actual quotes. Accurate as of January 2024.
 

Cheapest minimum car insurance in Connecticut

A minimum car insurance policy in Connecticut includes liability insurance and uninsured/underinsured coverage. The required limits are: $25,000 per person/$50,000 per accident for bodily injury liability and $25,000 limit for property damage liability. Uninsured/underinsured limits are $25,000 per person/$50,000 per accident. Connecticut minimum coverage only covers damages you cause to others and their property in an accident, or damage caused by an uninsured or underinsured driver. It does not include collision or comprehensive, which cover damages to your own property in an accident you cause.

On average, the cost for a minimum car insurance policy in Connecticut is $990 a year, which is 54% less than the average cost of car insurance.

These are the average prices a 35-year-old male driving a 2023 RAV4 would pay annually for state minimum coverage at the top insurance companies in Connecticut. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2023 RAV4, estimated using public rate filings sourced from First Interpreter.
Rates
do not represent actual quotes. Accurate as of January 2024.
 
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How to get cheap Connecticut car insurance

Connecticut has much to offer its residents beyond its postcard-worthy fall foliage. Its high health rating, low crime rates, and highly ranked schools draw many families to the state, as residents experience an ideal fusion of urban opportunities and rural relaxation. Whether you’re thinking about moving to Connecticut or have called it home for a long time, you need car insurance. All drivers are required to carry certain types of auto insurance in Connecticut. A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Connecticut. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Connecticut. Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

Connecticut auto insurance shopping made easy

Based on your answers to our short quiz, we’ll estimate how much you’ll pay at each of the top providers near you, so you can find the best price for the coverage you need.

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Compare Connecticut auto insurance by factor

The state you live in is only one of the factors that may impact your car insurance rate.  Each car insurance company has their own formula for calculating rates based on a variety of factors that make up your driver profile.  

Factors that can impact your quoted rates include: 

  • Your demographics including your age, home ownership, marriage status, and more 
  • Your driving history including how long you’ve been driving, traffic violations, and more 
  • Your car including make, model, and year 
  • Your zip code, or where you live within your state 
  • How much coverage you want

Connecticut auto insurance by age

Age is a significant factor that affects car insurance rates. Generally, younger drivers, particularly teenagers and those in their early 20s, tend to face higher premiums due to a lack of driving experience and higher likelihood of being involved in accidents.

Find cheap car insurance for teenagers >

As drivers gain more experience and reach their mid-20s and 30s, insurance rates typically go down. This is because they have had more time to develop their driving skills and establish a track record of safe driving.

However, as drivers enter their senior years, insurance rates may start to increase again. This is primarily due to factors such as decreased vision, slower reaction times, and potential health issues that can impact driving abilities.

Find cheap car insurance for seniors >

Your specific age will impact your car insurance rates, so it’s always a good idea to compare rates from different insurers to find the most cost-effective coverage for you.

Adding a teenager to your policy in Connecticut

The national average cost of car insurance for a teen driver on their own policy is $7,401 a year. Generally, it makes sense for a parent to add their teen driver to their existing policy instead of the teenager buying their own policy.

In Connecticut, a teenager on their own insurance policy will pay an average of $10,435 a year. When the parent adds their teen to their policy, they’ll pay 60% less than the two separate policies on average.

Learn more about insuring a teen driver >

Connecticut auto insurance by vehicle

The vehicle you drive will also impact your insurance rate. Car insurance providers consider your vehicle’s year, make, model, and trim level to determine your rates. Generally, the higher the value of your car, the more expensive it will be to insure. This means that new cars, electric or hybrid vehicles, and sports cars usually have more expensive insurance than older cars or cars that are less expensive to repair or replace.

The cheapest car to insure among popular 2023 models is the Subaru Outback, while the most expensive is the Tesla Model S.

Find cheap car insurance by vehicle >

Connecticut auto insurance by credit score

Insurance companies can use credit score as a rating factor in Connecticut. Generally, the better your credit score, the cheaper your rates. In fact, raising your credit score is one way to get cheaper insurance. The national average for a 35-year-old male driver with excellent credit is around $1,510 per year for car insurance, while the average rate for the same driver with good credit is $2,049. Drivers with poor credit pay the highest rate, with a national average premium of around $3,360 per year for the same driver.

In Connecticut, drivers with excellent credit can expect to save 35% on car insurance compared to drivers with good credit while those with poor credit pay 119% more on average.

However, if you have bad credit, you may still be able to find affordable insurance.

Learn more about cheap car insurance with bad credit >

Connecticut auto insurance by driving record

Since insurance companies assess your driving history to gauge the level of risk you pose as a driver, your driving record will also factor into your car insurance rates. Various factors within your driving record can impact your rates:

  1. Traffic Violations: Insurance providers consider traffic violations such as speeding tickets, reckless driving, running red lights, and DUI/DWI offenses as indicators of risky driving behavior. The more violations you have on your record, generally the higher your insurance rates will be.

  2. Accidents: Being involved in accidents and filing claims can significantly impact your insurance rates. At-fault accidents tend to have a greater impact compared to accidents where you were not responsible. Multiple accidents or a history of frequent claims can lead to higher premiums.

  3. Claims History: Insurance companies review your claims history to evaluate the likelihood of future claims. If you have a record of filing numerous claims, regardless of fault, insurers may consider you a higher risk and increase your rates accordingly.

  4. License Suspensions or Revocations: If your driver’s license has been suspended or revoked due to violations or other reasons, insurance companies may view you as a high-risk driver, resulting in higher premiums.

  5. Time Since Last Incident: Insurance providers often consider the time since your last traffic violation or accident. Generally, the longer you go without any incidents, the more favorable it is for your insurance rates.

Find cheap car insurance for high-risk drivers in Connecticut >

Marriage and car insurance rates in Connecticut

In general, married drivers who combine their car insurance policies save money. Of course the amount you will save varies based on the number of vehicles you have, your location, and other factors. In Connecticut, married couples with two vehicles who combine their policies will save 25% on their car insurance.

Gender and car insurance rates in Connecticut

Some insurance providers use your sex as a factor to determine your rates, but factors such as your zip code and driving record generally impact your rate more. In Connecticut, males pay an average of $2,145 a year and females pay $2,104

Why is Connecticut auto insurance important?

First, Connecticut car insurance is required by the state and driving without it can result in $100 to $1,000 fines, license and registration suspension, and an additional fee to the DMV to get it restored. It is important to have the minimum required auto insurance in Connecticut and keep it up to date without a lapse in coverage. 

One vital reason to have car insurance in Connecticut is that, depending on your policy and coverage limits, your insurance helps cover certain costs should you get into a car accident. This can reduce the burden of paying for accident-related costs out of pocket, and it can help you have peace of mind while on the road.

Whether you’re interested in the minimum auto insurance required or want more coverage for additional protection, we can connect you with top car insurance providers in Connecticut.

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Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2023 RAV4.  

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.