Find affordable auto insurance that works for you in Connecticut. Compare quotes from over 100 top companies.
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.
See quotesfrom dozens of insurance carriers that provide coverage throughout Connecticut. Enter your ZIP code below to get started.
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%|
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|
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|
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.
|Allstate||Above average||Average||Superior||4.3 / 5|
|GEICO||Average||Average||Superior||4.4 / 5|
|Liberty Mutual||Below average||Above average||Good||4.2 / 5|
|Nationwide||Above 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||Below average||Below average||Superior||4.3 / 5|
|USAA||Excellent||Excellent||Superior||4.6 / 5|
Connecticut drivers are required to carry liability and uninsured/underinsured motorist insurance coverage at all times. Legally mandated minimums are below:
Optional coverage in Connecticut (varies by carrier):
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 $500 deductible, expect to pay 87% more than you might for a liability-only policy.
Learn more about Connecticut car insurance requirements.
If you receive a ticket or citation, your car insurance rates will probably rise. By how much depends on the specific citation, your insurer's pricing standards, and differences in local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at average auto insurance rates in Connecticut after a few common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$3,011||94%||$1,461|
|Refused Breathalyzer/Chemical Test||$2,816||82%||$1,266|
|Driving with a Suspended License||$2,743||77%||$1,193|
|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|
|Following Too Closely||$1,874||21%||$324|
|Failure to Stop at a Red Light||$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|
|Driving with Expired Registration||$1,818||17%||$268|
|Failure to Show Documents||$1,818||17%||$268|
|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|
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.
Connecticut requires standard liability coverage at 25/50/25 plus uninsured/underinsured coverage at 25/50 limits.
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.