Car Insurance in Connecticut
- GEICO offers the cheapest liability and full coverage in Connecticut
- Compare the cheapest car insurance quotes in CT from Progressive, Allstate, Liberty Mutual and Nationwide (+other top companies)
Car insurance quotes in Connecticut
In Connecticut, the average driver pays $1,223 for a six-month auto insurance policy. That's 12% more expensive than the national average.[1] In fact, 41% of our customers in Connecticut compared quotes with The Zebra because they were paying too much for car insurance.[2] For these shoppers, we recommend you start your search with USAA or GEICO.*
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.
- GEICO offered the cheapest full insurance coverage in Connecticut at $182/mo.
- See the other cheapest full coverage insurance companies and best discounts in CT ↓
- As a highly-rated carrier, Amica scored a 709 on J.D. Power's 2024 auto study for the New England region.[3] For those eligible, USAA is also top-rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in CT ↓
- GEICO offered the cheapest liability insurance coverage in Connecticut at $66/mo.
- See the other cheapest liability coverage insurance companies in CT ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in Connecticut to name GEICO as the best overall company for Connecticut drivers.
- Read about the rest of the top and best companies in CT ↓
*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.Â
Cheap full coverage in Connecticut
In Connecticut, an average full coverage car insurance policy costs around $1,223 for six months of coverage. GEICO offers the lowest rates at $182 per month, with Amica in second place for cheap quotes.
58% of Connecticut drivers 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 deductible.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $1,092 | $182 |
| Amica Mutual | $1,133 | $189 |
| Progressive | $1,191 | $198 |
| Nationwide | $1,226 | $204 |
| State Farm | $1,473 | $245 |
| Allstate | $1,636 | $273 |
| Hanover | $2,921 | $487 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool 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.
Zebra Tip: Be on the lookout for these car insurance discounts
- Driver discounts: Look into savings opportunities like bundling (multi-policy), multi-vehicle, good driver, good student, homeowner, low mileage, and loyalty discounts.
- Payment methods: Consider discounts for advance purchase, electronic bill pay, or paying your policy in full.
- Vehicle discounts: If you have a new car, safety devices, anti-theft features, or an eco-friendly vehicle, you may qualify for additional savings.
Find the best coverage and price in Connecticut with The Zebra.
What are the best car insurance companies in Connecticut?
The clear standout, we named GEICO as the best car insurance company in Connecticut. We used a combination of third-party ratings, cheap overall cost and coverage options to make this choice. Below are the pros and cons of GEICO plus more of the best-rated companies in Connecticut.
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Affordable premiums in all categories in Connecticut
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First place in the region on J.D. Power's Auto Insurance Study
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Plethora of coverage options and discounts available
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Robust online tools and mobile app for policy management and claims
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Few physical offices for those who prefer in-person interactions
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Above average number of customer complaints reported to the NAIC
Best car insurance in Connecticut — honorable mentions
While GEICO earned the title of best car insurance company in Connecticut, these providers also scored well. With competitive premiums, strong ratings from third parties like J.D. Power, and positive results in our own customer satisfaction survey, these Connecticut insurers are certainly worth considering.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $799 | $133 |
| Amica Mutual | $1,133 | $189 |
| State Farm | $1,473 | $245 |
Source: The Zebra
How did we pick what company has the "Best Value" in Connecticut?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Connecticut
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Cheap liability insurance in CT
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 $569 for a six-month policy— about half of what full coverage costs. 42% of Connecticut drivers choose liability-only coverage. See below for the cheapest companies in Connecticut for liability coverage.Â
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $397 | $66 |
| Amica Mutual | $469 | $78 |
| Progressive | $553 | $92 |
| Nationwide | $666 | $111 |
| State Farm | $678 | $113 |
| Allstate | $722 | $120 |
| Hanover | $1,279 | $213 |
Source: The Zebra
In Connecticut, drivers are required to carry the minimum limits of 25/50/25, plus uninsured and underinsured motorist coverage. This means $25,000 bodily injury liability per person, $50,000 bodily injury per accident, $25,000 property damage coverage. Uninsured and underinsured coverage limits are also set at $25,000 per person and $50,000 per accident.Â
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 to 50/100/50.
Renata Balasco — Licensed insurance agent and senior content specialist at The Zebra
Updating data...
| Company | Liability coverage | Full coverage |
|---|---|---|
| GEICO | $397 | $1,092 |
| Amica Mutual | $469 | $1,133 |
| Progressive | $553 | $1,191 |
| Nationwide | $666 | $1,226 |
| State Farm | $678 | $1,473 |
| Allstate | $722 | $1,636 |
| Hanover | $1,279 | $2,921 |
Source: The Zebra
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 by as much as $1,384 yearly.
Updating data...
| Company | Avg. Monthly Premium | Avg. 6 Mo. Premium |
|---|---|---|
| GEICO | $239 | $1,432 |
| Amica Mutual | $256 | $1,536 |
| State Farm | $292 | $1,750 |
| Progressive | $320 | $1,921 |
| Nationwide | $363 | $2,176 |
| Allstate | $493 | $2,960 |
| Hanover | $763 | $4,580 |
Source: The Zebra
Zebra Tip: Think about claims satisfaction
Ideally, you'll never need to use your insurance, but if the time comes, a smooth claims process is crucial. In our 2024 Customer Satisfaction Survey, we evaluated how satisfied customers were with their claims experience. Of the companies available in Connecticut, Amica received the highest rating and is an excellent option to consider if you're in Connecticut.[7]
While every company's pricing is different, having a ticket or citation on your driving record will trigger a rate increase. It's difficult to say exactly how much your premium will go up, but we can provide general estimates.
See below for average auto insurance rates in Connecticut after a variety of citations.
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 by $2,320 annually. Because a DUI often causes a significant jump in premium costs compared to other citations, 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. For example, the least expensive car insurance company with a DUI in Connecticut, State Farm, advertises annual rates 49% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Connecticut is Progressive, while the most expensive is Amica, with prices 28% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $1,407 | $234 |
| State Farm | $2,112 | $352 |
| GEICO | $2,189 | $365 |
| Allstate | $2,360 | $393 |
| Nationwide | $2,960 | $493 |
| Amica Mutual | $4,304 | $717 |
| Hanover | $17,777 | $2,963 |
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.
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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.
Â
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.
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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.
Overpaying for car insurance? Compare quotes to discover how much you can save.
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. The cheapest car insurance in Connecticut is found in Stonington and Pawcatuck, and the most expensive in New Haven.
Have a look at the table below to see average car insurance costs in some of Connecticut's biggest cities.
Cheap auto insurance for teens and young drivers in Connecticut
Car insurance for teens and drivers in their 20s can be gratuitously pricey because of young adults' relative driving inexperience compared to older age groups. Insurers account for this elevated risk by charging higher premiums the younger you are. In Connecticut, teen drivers pay $8,418 per year, which is over $1,889 more than the national average and 245% more than what a 30-year-old Connecticut driver would pay.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $2,917 | $486 |
| Amica Mutual | $3,099 | $517 |
| Allstate | $4,608 | $768 |
| State Farm | $5,679 | $947 |
| Nationwide | $5,908 | $985 |
| Progressive | $6,024 | $1,004 |
| Hanover | $6,349 | $1,058 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $3,336 | $556 |
| Amica Mutual | $3,345 | $558 |
| Allstate | $6,528 | $1,088 |
| Hanover | $7,475 | $1,246 |
| State Farm | $7,805 | $1,301 |
| Nationwide | $8,283 | $1,381 |
| Progressive | $8,324 | $1,387 |
Source: The Zebra
Zebra Tip: 3 ways young drivers can save on car insurance
- Complete an approved defensive driving course to qualify for discounts and reduce accident risk.
- Choose a less expensive car with good safety ratings and low repair costs over high-performance models.
- Stay on a parent's policy to save money and benefit from their good insurance history.
Find your best value insurance match with The Zebra.
Car insurance price trends in Connecticut
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 increased relentlessness of personal injury lawyers are to blame for Connecticut's rising insurance costs.[8]
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $1,931 | $112 |
| 2023 | $1,819 | -$144 |
| 2022 | $1,963 | $412 |
| 2021 | $1,551 | $9 |
| 2020 | $1,542 | -$150 |
| 2019 | $1,692 | $103 |
| 2018 | $1,589 | $78 |
| 2017 | $1,511 | $288 |
| 2016 | $1,223 | -$361 |
| 2015 | $1,584 | -$21 |
Connecticut car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Connecticut auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 Auto Insurance Study. J.D. Power
GEICO Company Profile. AM Best
2024 Customer Satisfaction Survey. The Zebra
National Complaint Index Report. NAIC
2023 U.S. Auto Claims Satisfaction Study. J.D. Power
Car insurance rates in CT have soared in 2024. Here's why. CT Insider
Related content
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- Car Insurance with a DUI in Connecticut
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- Connecticut Car Insurance Laws
- Waterbury, CT Car Insurance
- Hartford, CT Car Insurance
- Auto Insurance for High-Risk Drivers in Connecticut
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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.