Cheap Connecticut Car Insurance

Find affordable auto insurance that works for you in Connecticut. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Connecticut

We've made shopping for low-cost insurance in the Constitution State easy.  Read on to learn how the most common rating factors affect average premiums in Connecticut. Or, submit your ZIP code above to get personalized rates in under 5 minutes.


Affordable insurance companies in Connecticut

What's the cheapest car insurance in Connecticut?
Rank Company Name Avg. Annual Premium
1 Travelers $1,148
2 USAA $1,478
3 MetLife $1,596
4 State Farm $1,611
5 Nationwide $1,703
6 Progressive $2,005
7 GEICO $2,323
8 Victoria $2,518
9 Allstate $2,794
10 Hanover $4,649

See quotes from dozens of insurance carriers that provide coverage throughout Connecticut. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Connecticut

Drivers with good driving records typically enjoy less expensive car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Connecticut drivers without a recent at-fault accident save 33% on their car insurance, on average — a bit more than the national average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5% and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $256 14.53%
No Accidents $747 33.20%
Good Credit $1,305 46.47%

Cheap auto insurance for young drivers in Connecticut

Young drivers (those between the ages of 16 and 25) face expensive auto insurance rates, with those between the ages of 16 and 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Connecticut, one of the most expensive states for teen drivers, the typical teenager pays $5,998 per year — about $1,000 more than the national annual average.

Age Annual Rate with Parents Annual Rate Alone
16 $6,085 $9,330
17 $5,674 $6,737
18 $5,657 $5,785
19 $5,002 $3,716

Cheap auto insurance for bad drivers in Connecticut

Drivers with clean records — meaning no at-fault accidents, speeding tickets, DUIs, or other citations — typically enjoy cheap auto insurance premiums. In Connecticut, your car insurance premiums will increase by 45% after a DUI, 33% after an at-fault accident, and 14% after a speeding ticket. Compared to other states, Connecticut drivers are penalized more heavily than average after DUI citations, but less severely for speeding tickets. If you have a good driving record, be sure to inquire about a safe driving discount from your insurance company.

Rating Factor Annual Rate % Increase
At-Fault Accident $2,250 33.20%
DUI $2,744 45.22%
Speeding Violation $1,759 14.53%
Bad Credit $2,808 46.47%

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Top rated car insurance companies in Connecticut

Many auto insurance companies advertise their cheap premiums. But choosing the most affordable car insurance isn't always the best idea. Considering the stakes, it's worthwhile to do the due diligence to obtain an auto policy that can cover your car completely in the event of a collision. Compare insurance rates and policy details to find the best value, instead of settling for the most affordable car insurance in Connecticut.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
GEICO Average Average Superior 4.4 / 5
Hanover N/A N/A Excellent N/A
Liberty Mutual Average Above average Good 4.2 / 5
MetLife N/A Below Average Excellent N/A
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5

Connecticut auto insurance laws

Connecticut drivers are required to carry liability and uninsured/underinsured motorist insurance coverage at all times. Legally mandated minimums are below:


  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident

Uninsured/underinsured motorist

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident

Optional coverage in Connecticut (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance

The minimum required insurance coverage in Connecticut costs an average of $821 per year. This is 25% more expensive than the U.S. average. If you want better auto insurance coverage, you can select a policy with comprehensive and collision coverage, which will protect against damages caused by auto crashes, auto theft, or weather conditions. However, better insurance comes at a price: in Connecticut, a comprehensive policy with a $1,000 deductible costs $1,404, 71% more than liability-only coverage. For comprehensive insurance coverage with a $500 deductible, expect to pay 87% more than you might for a liability-only policy.

Learn more about Connecticut car insurance requirements.

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How tickets change insurance rates in Connecticut

If you receive a ticket or citation, your car insurance rates will probably rise. By how much depends on the specific citation, your insurer's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Connecticut after a few common violations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $3,011 94% $1,461
Refused Breathalyzer/Chemical Test $2,816 82% $1,266
DUI $2,816 82% $1,266
Racing $3,011 94% $1,461
Reckless Driving $2,812 81% $1,262
Driving with a Suspended License $2,743 77% $1,193
At-Fault Accident $2,343 51% $793
Driving with an Open Container $2,337 51% $787
Operating a Vehicle Without Permission $1,874 21% $324
Passing a School Bus $1,900 23% $350
Improper Passing $1,900 23% $350
Following Too Closely $1,874 21% $324
Speeding $1,862 20% $312
Failure to Stop at a Red Light $1,874 21% $324
Illegal Turn $1,874 21% $324
Driving Wrong Way/Wrong Lane $1,900 23% $350
Failure to Yield $1,874 21% $324
Speeding in a School Zone $1,899 23% $349
Driving Too Slowly $1,873 21% $323
Distracted Driving $2,013 30% $463
Driving with Expired Registration $1,818 17% $268
Failure to Show Documents $1,818 17% $268
Not-at-Fault Accident $1,743 12% $193
Failure to Use Child Safety Restraint $1,649 6% $99
Failure to Wear a Seat Belt $1,649 6% $99
Driving Without Lights $1,633 5% $83


Connecticut car insurance FAQs

What is the cheapest car insurance in Connecticut?

USAA, Travelers, and MetLife offer the cheapest rates for drivers in Connecticut. Find the best rates for you by comparing with The Zebra today!

How much is car insurance in Connecticut?

Average rates for Connecticut are 10% more expensive than the national average. Per month, drivers in Connecticut pay $128 or $768 for a standard six-month policy.

What is the minimum car insurance required in CT?

Connecticut requires standard liability coverage at 25/50/25 plus uninsured/underinsured coverage at 25/50 limits.

How much does car insurance cost in Connecticut cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in West Hartford, Connecticut, and the most expensive in New Haven, Connecticut.

Rank City Avg. Annual Premium
1 New Haven $2,250
2 Bridgeport $2,201
3 Hartford $2,188
4 Waterbury $2,082
5 Shelton $1,817
6 New Britain $1,771
7 Stamford $1,766
8 Norwalk $1,723
9 Danbury $1,695
10 West Hartford $1,685



Can I insure my wife's car if the title is in her name?

If you are married then there shouldn't be any issue with you insuring the vehicle. If the registration is also in her name then she will need to be listed on the policy.
May 10, 2017 West Haven, CT

How many years of driving history do insurance companies check?

While it can vary by car insurance company, most insurance companies will charge (rate your premium) for any ticket or violation for 3 years. After that 3 years, you won't be charged.
Feb 20, 2018 Middletown, Connecticut

Need to insure a salvaged title in CT

There are car insurance companies that will insure salvaged vehicles but there aren't as available as vehicles that haven't been totaled and repaired. Also, you might end up paying more in premium for what the insurance company sees as an additional risk.
Mar 21, 2018 Ansonia, Connecticut

Is there an HO-6 Special (broader) form policy that covers all-risk perils (such as sewer back-up)?

The HO-6 — also known as condo insurance — is designed to be limited in its coverage. I would look into scheduling your building property on an open peril basis which would give you much broader coverage.
Oct 8, 2019 Greenwich, CT

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.