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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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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?
RankCompany NameAvg. Annual Premium
4State Farm$1,611

See quotesfrom 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$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

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 FactorAnnual Rate% Increase
At-Fault Accident$2,25033.20%
Speeding Violation$1,75914.53%
Bad Credit$2,80846.47%

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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)

AllstateAbove averageAverageSuperior4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
Liberty MutualBelow averageAbove averageGood4.2 / 5
MetLifeExcellentBelow AverageExcellentN/A
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 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.

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


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.

RankCityAvg. Annual Premium
1New Haven$2,250
6New Britain$1,771
10West Hartford$1,685


Recent Questions:

Can I get liability insurance for a financed car, and can I get gap insurance without full coverage?

Typically, no. You don't want liability only because the car will not be sufficiently protected.
Aug 8, 2019 New Haven, CT

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.
Mar 15, 2018 West Haven, Connecticut

What is Underinsured Motorist Conversion coverage?

Underinsured Motorist coverage pays for injuries that you and your passengers may suffer in a crash where the other driver is at-fault and the other driver does not have enough liability coverage to pay for all the injuries caused in your vehicle. It's easiest to explain this as an example: You are hit by another driver that carries the state minimum liability limit (which is $20,000 per person) and your injuries total $30,000, meaning your injuries exceed the coverage limit of the other driver's liability.
Jun 23, 2016 West Hartford, CT

Will filing a full glass coverage claim to repair my windshield cause my premiums to rise or count as a claim at renewal?

While excessive claims can cause your rate to increase or impact your ability to find coverage with other companies, one single glass claim is unlikely to cause much, if any, impact. Generally, glass claims are the least likely to cause a rate increase or a non-renewal with your current company.
Jul 27, 2017 Wallingford, CT

Kristine Lee
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.