Car Insurance in Connecticut
- GEICO offers the cheapest liability coverage at $70/mo.
- Encompass offers the cheapest full coverage at $163/mo.
Enter your ZIP code to start your search for Connecticut car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Connecticut at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Connecticut
In Connecticut, the average driver pays $1,348 for a 6-month auto insurance policy. That's 16% more expensive than the national average.[1] In fact, 50% of our customers in Connecticut compared quotes with The Zebra because they were paying too much for car insurance.[2]
In our guide to Connecticut car insurance, we analyzed average car insurance rates to help you find an affordable policy and know what's fair for your situation. If you're ready to see how much you can save by shopping around, submit your ZIP code above to get auto insurance quotes from top companies.
Cheapest full coverage in CT
- Encompass offers the cheapest full coverage in Connecticut at $163/mo.
Best customer service in CT
- Amica scored 735 (17.6% above average) in JD Power's latest study — the highest in Connecticut.[3]
Cheapest liability coverage in CT
- GEICO offers the cheapest liability coverage in Connecticut at $70/mo.
*Note: USAA offers the cheapest rates in Connecticut overall, but due to its strict eligibility requirements, it has been excluded from this list. The Zebra caters to a wide audience of insurance seekers, so we focus on listing insurance companies that are accessible to the majority of consumers, ensuring our recommendations are relevant to as many drivers as possible. If you or a family member qualify for USAA coverage, it is an excellent choice for your insurance provider.
Cheap full coverage insurance in Connecticut
In Connecticut, an average full coverage car insurance policy costs around $1,348 for six months of coverage.
50% of The Zebra's Connecticut customers choose full coverage insurance for their vehicles. "Full coverage" refers to car insurance policies that include collision and comprehensive; both of these coverage options are subject to a deductible.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $911 | $152 |
| Encompass | $978 | $163 |
| GEICO | $1,151 | $192 |
| Amica Mutual | $1,226 | $204 |
| State Farm | $1,482 | $247 |
| Nationwide | $1,531 | $255 |
| Progressive | $1,614 | $269 |
| Allstate | $1,638 | $273 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
In Connecticut, drivers are required to carry the minimum limits of 25/50/25, plus uninsured and underinsured motorist coverage. This stands for bodily injury liability per person, bodily injury per accident, and property damage coverage. Uninsured and underinsured coverage limits are also set at $25,000 per person and $50,000 per accident.
Even with the added requirement of UM/UIM coverage, state minimum coverage in Connecticut is not enough protection if you experience an accident. The state's low coverage limits are likely to cover only a fraction of the damages in an average collision. To ensure you’re fully protected, we recommend adding comprehensive and collision coverage. If the additional cost is a concern, consider at least raising your liability limits.
Renata Balasco — Licensed insurance agent and senior content specialist at The Zebra
What are the best car insurance companies in Connecticut?
We’ve named Amica as Connecticut's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Cheap liability insurance in Connecticut
Opting for liability only coverage at the state minimum level instead of full coverage can significantly reduce your premium, though it does come with increased risk.
In Connecticut, the average cost for minimum coverage is $662 for a six-month policy — significantly cheaper than full coverage. 50% of The Zebra's Connecticut customers choose liability-only coverage. See below for the cheapest companies in Connecticut for liability coverage.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $365 | $61 |
| GEICO | $421 | $70 |
| Encompass | $480 | $80 |
| Amica Mutual | $544 | $91 |
| Allstate | $757 | $126 |
| Progressive | $798 | $133 |
| State Farm | $810 | $135 |
| Nationwide | $989 | $165 |
Source: The Zebra
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $365 | $911 |
| State Farm | $810 | $1,482 |
| Progressive | $798 | $1,614 |
| Nationwide | $989 | $1,531 |
| MetLife | $897 | $1,361 |
| Hanover | $1,722 | $3,532 |
| GEICO | $421 | $1,151 |
| Encompass | $480 | $978 |
| Amica Mutual | $544 | $1,226 |
| Allstate | $757 | $1,638 |
Source: The Zebra
Local Insights
Drivers near you in Connecticut weigh in
"Have had Progressive for a decade now. Rates have always been good, claims have been a breeze."
-Reddit user on r/Connecticut
"If you’re Costco members try Connect by AmFam. Best rates I could find and now have them for both home and car. Shop around every 6 months and it’s been unbeatable by the others you listed for 3 years now."
-Reddit user on r/Connecticut
Compare car insurance rates from the best companies in Connecticut.
Car insurance in popular Connecticut cities
Car insurance companies calculate your rate based on many factors, and an important one is the location of the vehicle. Have a look at the table below to see average car insurance costs in some of Connecticut's biggest cities.
Source: The Zebra
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Source: The Zebra
Real conversations. Real solutions.
Katie has worked in the insurance industry for more than 12 years. She started her career in claims with Allstate Insurance, but with a background in…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Licensed Insurance Agent — Life, Accident and Health
- Series 6 License (Investment Company/Variable Contracts Products Limited Representative)
- Series 63 License (Uniform Securities Agent)
- Series 26 License (Investment Company and Variable Contracts Products Principal)
Alejandro joined The Zebra in 2019 with over a decade of insurance experience. He began his career as a bilingual sales agent at Progressive Insuranc…
Credentials
- Licensed Insurance Agent — Property and Casualty
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Connecticut auto insurance quotes after an accident or ticket
It's well-known that an accident or ticket on your record will drive up your car insurance rate. Insurance companies view you as a riskier client if you've caused accidents in the past. In Connecticut, an at-fault accident can raise your rate considerably.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Connecticut car insurance laws for high-risk drivers
Certain violations, like a DUI or driving without insurance, can complicate your insurance situation. For more details on Connecticut's car insurance laws and regulations, check out our comprehensive guides below.
Discover all you need to know about car insurance requirements in Connecticut with our informative guide.
Connecticut DUI laws
Getting a DUI in Connecticut can increase your car insurance premium drastically compared to other citations, so it can be difficult to find affordable auto insurance in the aftermath of a DUI conviction.
Low-cost car insurance after a DUI in Connecticut
It's of the utmost importance to assess each of your insurance choices carefully if you're convicted of a DUI or DWI violation in Connecticut and need to find car insurance you can afford. Car insurance premiums following a DUI can vary substantially by insurance company.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $1,667 | $278 |
| Progressive | $1,798 | $300 |
| GEICO | $2,280 | $380 |
| State Farm | $2,321 | $387 |
| Allstate | $2,368 | $395 |
| Nationwide | $3,814 | $636 |
| Amica Mutual | $4,304 | $717 |
| Encompass | $4,512 | $752 |
Source: The Zebra
The hard truth is that you likely won't be able to find a cheap rate after a DUI that's as low as a rate you'd get without a DUI on your record. The best thing you can do to save after a DUI citation is to shop around with as many companies as possible.
Connecticut SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Connecticut to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Connecticut might require some research, but it could pay off in the end.
How to acquire an SR-22 in Connecticut
For currently insured drivers
If you already have an active auto insurance policy, requesting an SR-22 is fairly straightforward. Contact your insurance company and request that the company file an SR-22 certificate request on your behalf. If your current insurance company won't request a certificate, you should look for a new auto insurance company.
For uninsured drivers
When filing for a new policy, you might have to pay an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification might disqualify you from getting coverage from some companies, while others will sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. If you don't own a vehicle, you should apply for a non-owners car insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it doesn't cover physical damage to your vehicle.
Find an affordable policy in Connecticut in minutes!
How have car insurance costs in Connecticut changed?
Over the past decade, Connecticut’s car insurance premiums have seen significant fluctuations, largely driven by changes in the market, claims frequency, and economic factors. Since 2022, average premiums have remained higher than previous years.
An uptick in dangerous driving, new and more complicated vehicles on the road, and economic factors are to blame for Connecticut's rising insurance costs.
| Year | Avg. Annual Premium — Connecticut |
|---|---|
| 2026 | $2,697 |
| 2025 | $2,656 |
| 2024 | $1,931 |
| 2023 | $1,819 |
| 2022 | $1,963 |
| 2021 | $1,551 |
| 2020 | $1,542 |
| 2019 | $1,692 |
| 2018 | $1,589 |
| 2017 | $1,511 |
| 2016 | $1,223 |
| 2015 | $1,584 |
Save money on your next car insurance policy!
Connecticut car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Connecticut auto insurance.
-
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
-
2025 Auto Insurance Study. J.D. Power
RECENT QUESTIONS ABOUT CAR INSURANCE IN CT
Can I insure my wife's car if the title is in her name?
What is Underinsured Motorist Conversion coverage?
Does Amica get complaints about communication?
Can I get liability insurance for a financed car, and can I get gap insurance without full coverage?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
