Cheapest Car Insurance Connecticut

Car insurance in Connecticut is higher than the national average, but you can still find great rates that fit your budget.

Here, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.

Cheapest Car Insurance Companies Connecticut

The chart below outlines the four of the cheapest options for car insurance in Connecticut. We recommend looking at Geico, State Farm, Progressive, and The Hanover Insurance Group for car insurance in Connecticut. In making this list, we considered factors such as insurance cost, coverage, reputation and customer experience in Connecticut.

*Our research team considers nationwide factors when scoring providers. However, the order of providers in this table is specific to Connecticut auto insurance.

Cheapest Car Insurance Coverage in Connecticut

Coverage level has a major impact on rates. Many quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full coverage auto insurance.

Below are the cheapest auto insurance options in Connecticut for both coverage types.

Cheapest Liability Coverage in Connecticut

For liability insurance in Connecticut, the average rate estimate is $1,503 per year, or $125 per month based on that same driver profile. This is 137% higher than the national average of $635. In the table below, you’ll find the providers that offer the lowest estimates on minimum coverage policies in Connecticut.

Cheapest Full Coverage Car Insurance Connecticut

With average rates among the highest in the country, finding the cheapest car insurance in Connecticut is critical. We at the MarketWatch Guides Auto Team found estimates for full coverage policies as cheap as $891 per year, or $74 per month. The table below shows the providers that offer the lowest estimates on full coverage insurance in Connecticut.

*These rate estimates are based on the profile of a 35-year-old driver with a clean driving record and a good credit score.

Your age, driving history and credit score will all change how much you will pay for auto insurance in Connecticut. Below we compare car insurance estimates for drivers in those categories.

Cheapest Car Insurance for Young Drivers in Connecticut

Young drivers can pay significantly more for car insurance than older adults. The series of tables below show the cheapest car insurance for young drivers in Connecticut, along with estimated monthly and annual costs.

Cheapest Connecticut Car Insurance for 16-Year-Olds

We found that Geico tends to offer the cheapest insurance for 16-year-old drivers in Connecticut at an estimated $3,343 per year, or $279 per month. The average rate for 16-year-old Connecticut drivers is $14,981 per year, or $1,248 per month. This is 400% more expensive than the average for the state.

Cheapest Connecticut Car Insurance for 17-Year-Olds

Geico typically has the lowest rates on car insurance for 17-year-old Connecticut drivers with an average estimate of $2,731 per year, or $228 per month. The average estimate for 17-year-olds in Connecticut is $11,527 per year, or $961 per month. This is 284% more expensive than the average rate in the state.

Cheapest Connecticut Car Insurance for 18-Year-Olds

Geico usually offers the cheapest car insurance in Connecticut for 18-year-old drivers at an average estimate of $2,659 per year, or $222 per month. The average estimate for Connecticut drivers at 18 is $9,889 per year, or $824 per month. This is 230% higher than the state’s average rate estimate.

Cheapest Connecticut Car Insurance for 21-Year-Olds

For 21-year-old drivers, Geico typically offers the cheapest car insurance in Connecticut at an estimated $1,471 per year, or $123 per month. The average rate for 21-year-olds in Connecticut is $5,357 per year, or $446 per month. This is 79% higher than the state average estimate.

Cheapest Connecticut Car Insurance for 25-Year-Olds

Geico tends to offer the cheapest coverage for 25-year-old drivers in Connecticut at an estimated $983 per year, or $82 per month. The average estimated rate for 25-year-olds is $3,631 per year, or $303 per month, in Connecticut. That’s 21% more than that average estimate for the state.

Cheapest Car Insurance for High-Risk Drivers in Connecticut

In addition to your age and location, insurers use information about your driving history, your credit score and other factors in their rate calculations.

Cheapest Connecticut Car Insurance for Drivers With a Speeding Ticket

Speeding in Connecticut will likely have a negative impact on what you get charged by auto insurance companies. The average rate for a car insurance policy in Connecticut is $2,252 per year for motorists with a recent speeding ticket on their driving record.

Cheapest Connecticut Car Insurance for Drivers With a Recent Accident

A recent accident will almost positively impact the rates you pay for full coverage car insurance in Connecticut. The standard rate for drivers who’ve had an at-fault accident comes out to $3,060 per year.

Cheapest Connecticut Car Insurance for Drivers With a DUI

Drivers with a DUI on their driving history will be painted as high-risk drivers and can expect harsh prices for car coverage. The rate seen across the Constitution State for those with a DUI is currently around $4,030 per year.

Cheapest Connecticut Car Insurance for Drivers With Poor Credit

Poor credit scores provide an easy way to see your Connecticut car insurance rates skyrocket. Those who receive a bad credit rating pay an average of $4,056 per year for a full coverage auto insurance policy.

Car Insurance Deals in Connecticut

Connecticut motorists pay significantly more for a car insurance policy than drivers in most  other states. That’s why it’s important for drivers to take advantage of the car insurance discounts they qualify for. The table below shows car insurance discounts and deals by providers in the Constitution State, which we’ll discuss in further detail below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in Connecticut

Shopping around for car insurance is the best way to find out which discounts you may qualify for and how much you can save on your policy. As you look at companies, you want to find providers that offer the best coverage and car insurance deals for your situation. Remember to speak with your insurance agent to see if there are any discounts you qualify for with your current policy.

Here are more details about the standard auto insurance discounts:

• Multi-policy: Bundle two or more insurance policies with the same company, such as homeowners insurance and auto insurance
• Multi-vehicle: Insure multiple cars under the same policy or combine auto insurance policies with loved ones
• Military: Applies whether you’re an active military member or veteran

• Senior: Typically applies to policyholders who are 55 and older
• Homeowners: If you own a home, you may qualify for this discount
• Good student: For college and high school students under 25 who maintain a B average in their courses
• Good driver: Given to drivers with a clean driving record (no at-fault accidents, DUIs, or speeding tickets in the last three years)
• Defensive driving: Those who take a defensive driving course tend to qualify for this discount
• Driver training: Get a discount by taking a driver training course
• New car: Given to drivers who purchase a new car, typically three model years or newer
• Safe car: Applies if your vehicle has safety features like anti-theft technology
• Paperless: Receive a discount by opting to receive your documents through email
• Pay-in-full: Save on your car insurance premium by paying your policy in full up front

If you want to learn more about the best cheap car insurance companies in Connecticut, look at the sections below.

Our data reveals that the average estimate for full coverage car insurance in Connecticut is $2,999 per year, or $250 per month, based on the profile of a 35-year-old driver with good credit and a clean driving record. This is 73% more expensive than the national average of $1,730 per year, making Connecticut one of the most expensive states in the country for auto coverage.

Cost of Connecticut Car Insurance by City

Where you live in Connecticut has a significant impact on your insurance rates. Different ZIP codes and cities have different risk factors, so insurance companies adjust their rates accordingly. That’s why someone living in Stratford may pay entirely different rates than their friend in New Haven even if all other factors are the same.

The following table shows the average rates for the 25 most populated cities and towns in Connecticut.

Cost of Connecticut Car Insurance by Age

Age is one of the single most important factors when it comes to car insurance costs. Middle-aged drivers typically have access to the cheapest car insurance in Connecticut. Younger drivers and especially teens usually pay exponentially more for coverage than other age groups.

The table below shows the average estimate for drivers of different ages in Connecticut.

Car Insurance Cost Factors in Connecticut

When you get car insurance quotes online, the rates you receive will most likely differ from the estimates in this article. That’s because insurers weigh a number of variables about you and your vehicle to determine the cost of your premiums.

These are some of the most influential factors in your car insurance rates:

• Age
• Marital status
• Driving record
• Gender listed on your license
• Credit score
• Location

Connecticut is an at-fault insurance state. This means that if you are found at fault for a car accident, your own liability car insurance pays for the cost of damages and medical bills for the other driver. If your insurance does not cover damages, you can be sued in civil court to make up the difference.

Connecticut Minimum Coverage Requirements

The Connecticut Department of Motor Vehicles (DMV) mandates that all drivers meet or exceed the following minimum car insurance standards:

• Bodily injury liability insurance: $25,000 per person and $50,000 per accident
• Property damage liability coverage: $25,000 per accident
• Uninsured motorist coverage/underinsured motorist coverage: $25,000 per person and $50,000 per accident

If you want your own vehicle to be covered after an at-fault accident, make sure to purchase collision insurance. Many drivers opt for full coverage auto insurance, which adds comprehensive coverage along with liability and collision.

Is It Illegal To Not Have Car Insurance in Connecticut?

Driving a car without insurance in Connecticut is a criminal offense. If you are caught without proper insurance in the state, you can be charged with a class C misdemeanor. If you are convicted, the penalty can include a fine of up to $500, up to three months’ imprisonment, or both.

How To Get Car Insurance in Connecticut

Geico, USAA, Progressive and State Farm usually offer the cheapest car insurance in Connecticut. Make sure to compare car insurance quotes from multiple providers to find superb auto insurance coverage at an affordable rate.

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Connecticut. We also looked at average cost of car insurance and coverage requirements in the Constitution State.

Cheapest Car Insurance in Connecticut: FAQ

Below are some common frequently asked questions about cheap car insurance in Connecticut:

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.