Car insurance costs approximately $1,544 per year in Connecticut. Learn more about what goes into those rates and how to save.
Auto insurance is expensive in Connecticut. The average car insurance premium in Connecticut is $1,544 annually — more than the US average by 8.2%.
But car insurance rates are dictated by factors aside from geography. Auto insurance premiums take into account myriad details, including one's marital status, driving history, credit rating, gender, and age.
We examined average Connecticut car insurance rates by all of the main rating components. See below how much car insurance costs in each state — or enter your ZIP code to receive personalized quotes from top insurers.
It's impossible to avoid: as you age, your car insurance premiums shift. Generally, car insurance is more expensive for teenage drivers, as insurers consider newer drivers as sources of increased risk.
In Connecticut, auto insurance runs $9,330 annually for a 16-year-old driver, compared to $1,382 yearly for a client aged between 50 and 59.
|Age||Average Annual Rate|
If you're facing the frightful prospect of finding insurance for a teen driver, consider that Connecticut is one of the most expensive states in which to buy auto insurance for a 16-year-old.
While gender doesn’t make as sizable an impact on car insurance costs as location or experience level, it is used as a rating factor by insurers.
|Gender||Average Yearly Cost|
If you're worried you aren't getting the best possible value for your money with your current auto insurance company, the best course of action is to compare rates and shop around.
One benefit of getting hitched — aside from the honeymoon — is the improved deal you often earn on your car insurance policy. In Connecticut, married drivers save $76 per year on auto insurance. This is a better deal than the U.S. savings of $76.
|Marital Status||Average Annual Rate|
Auto insurance for divorced drivers in Connecticut is the 14th most expensive in the US. If you're overpaying for your auto insurance policy, do some shopping.
Car insurance underwriters reference credit history to gauge how reliable a client will be. Trended data show motorists with solid credit are often more dependable auto insurance customers: they're less likely to file claims insurance companies have to reimburse.
In Connecticut, a driver who maintains outstanding credit can save $1,476 each year on car insurance, versus a driver who has a low credit score.
|Credit Tier||Average Yearly Premium|
|Very Poor (300-579)||$2,807.72|
|Very Good (740-799)||$1,566.83|
Finding inexpensive auto insurance coverage if you have bad credit is sometimes difficult. But we're here to provide some help. Read our guide to finding auto insurance with bad credit.
If you’re defined as at fault for a driving incident or convicted of a vehicular infraction, your insurance costs are bound to rise. The more offenses you rack up, the pricier your car insurance gets.
In Connecticut, your first minor at-fault collision will cost $660 per year in car insurance premiums. A DUI — one of the gravest driving offenses — could raise your insurance rates in Connecticut by an average of $1,199.
|At-Fault Accident (<$1,000)||$2,205.21|
|At-Fault Accident ($1,000-$2,000)||$2,265.64|
|At-Fault Accident (>$2,000)||$2,250.04|
|Speeding (21-25 MPH > limit)||$1,917.14|
|Speeding (16-20 MPH > limit)||$1,808.08|
If you're facing above-average car insurance payments, it's worth weighing your options to get reasonably priced coverage that fits your budget.
The amount you pay per month for car insurance depends on the level of coverage you select. A liability-only policy usually costs less, while low-deductible comprehensive coverage usually costs more. In Connecticut, the rate differential between liability-only coverage and comprehensive coverage with a $500 deductible is $672.
|Coverage Level||Average Yearly Premium|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$901|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,450|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,572|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$781|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,330|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,453|
|State Minimum — Liability Only||$643|
|State Minimum — $1,000 Comprehensive/Collision||$1,193|
|State Minimum — $500 Comprehensive/Collision||$1,315|
If your car insurance premiums cost more than average, it's worth shopping to find reasonably priced coverage that meets your needs.