Cheap Connecticut Car Insurance

Find affordable 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

Across the Constitution State, there are 45,552 miles of road just waiting to be driven. We’ll get you prepped to take the wheel with personalized car insurance quotes.


Affordable Insurance Premiums in Connecticut

What's the cheapest car insurance in Connecticut?
RankCompany NameAvg. Annual Premium
4State Farm$1,611

Compare quotes from 30 insurance companies that provide coverage throughout Connecticut. Enter your ZIP code below to get started.

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Cheap insurance for drivers with good records 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$25614.53%
No Accidents$74733.20%
Good Credit$1,30546.47%

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.

AgeAnnual Rate with ParentsAnnual Rate Alone

How to find cheap car insurance with a bad driving record 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 FactorAnnual Rate% Increase
At-Fault Accident$2,25033.20%
Speeding Violation$1,75914.53%
Bad Credit$2,80846.47%

Best 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.

Review top insurers' financial strength and claims satisfaction levels to better understand the quality of service you'll receive. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by AM Best and varying from "Poor" to "Superior" — measures an insurance company's financial stability and ability to meet its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
ElectricNot RatedExcellent
EncompassNot RatedSuperior
ForemostNot RatedExcellent
Liberty Mutual3Excellent
State Farm3Superior


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What car insurance coverage is required in Connecticut?

The legal minimum car insurance in Connecticut is $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident.

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.

View average prices for basic and comprehensive policy levels in the table below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
National Average$657.66$1,241.26$1,397.94

Connecticut Auto Insurance Laws

State minimum insurance requirements in Connecticut

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

Learn more about Connecticut car insurance requirements.

Ticket Impact on Auto 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$3,01194%$1,461
Refused Breathalyzer/Chemical Test$2,81682%$1,266
Reckless Driving$2,81281%$1,262
Driving with a Suspended License$2,74377%$1,193
At-Fault Accident$2,34351%$793
Driving with an Open Container$2,33751%$787
Operating a Vehicle Without Permission$1,87421%$324
Passing a School Bus$1,90023%$350
Improper Passing$1,90023%$350
Following Too Closely$1,87421%$324
Failure to Stop at a Red Light$1,87421%$324
Illegal Turn$1,87421%$324
Driving Wrong Way/Wrong Lane$1,90023%$350
Failure to Yield$1,87421%$324
Speeding in a School Zone$1,89923%$349
Driving Too Slowly$1,87321%$323
Distracted Driving$2,01330%$463
Driving with Expired Registration$1,81817%$268
Failure to Show Documents$1,81817%$268
Not-at-Fault Accident$1,74312%$193
Failure to Use Child Safety Restraint$1,6496%$99
Failure to Wear a Seat Belt$1,6496%$99
Driving Without Lights$1,6335%$83

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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 New London, Connecticut, and the most expensive in New Haven, Connecticut.

RankCityAvg. Annual Premium
1New Haven$2,250
5East Haven$2,057
6West Haven$2,047
7East Hartford$1,882
14New Britain$1,771
21West Hartford$1,685
25New London$1,613

Recent Connecticut Car Insurance Questions and Answers

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. However, after that 3 years you won't be charged.

Can I register my car in someone else's name?

The car can only be registered by the owner. If you sign the title over to someone else, they will own the car and can register the car in their name.

Can my ex insure the vehicle I am financing?

Yes. Your ex-wife can insure the vehicle as long as you are listed on the policy as a driver (because you are the one financing the vehicle) and listed as the additional interest since you have a financial stake in the vehicle.

Can I be added to my boyfriend's policy with my vehicle?

The answer would depend on where you live or park your vehicle the majority of the time. If you live with your boyfriend, you should be able to be added to his policy.

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.