Are Car Insurance Rates Going Up in Connecticut?

As many drivers can attest, auto insurance rates tend to rise every year. But car insurance is complex: justifications for rate hikes and price cuts vary, and may differ based on the driver's location.

One of the primary rating factors insurance companies use to set rates is location. The state, city, and ZIP code in which a car is stored and driven factor into auto insurance prices, coming down to state law and the varying risks associated with insuring cars in different areas.

Due to the dynamic nature of car insurance pricing, yearly pricing trends are different in every state. Auto insurance prices might be on the rise annually in a given state but dropping in a neighboring area.

See below auto insurance pricing trends in Connecticut. If your policy isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's car insurance comparison tool furnishes auto insurance rates based on your specific profile — enter your ZIP below to get started.

Auto insurance rate trends in Connecticut

In Connecticut, average annual auto insurance costs increased by $39 from 2017 to 2018. A typical Connecticut driver now pays an average rate of $1,550 annually.

The year-over-year trend in Connecticut is leaning toward less expensive auto insurance. From 2015 to 2018, rates went down by $34 per year. At the same time, auto insurance costs across the United States have increased in recent years, climbing from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — Connecticut Yearly Change — Connecticut Avg. Annual Premium — US Yearly Change — US
2018 $1,550 $39 $1,470 $32
2017 $1,511 $288 $1,437 $69
2016 $1,223 -$361 $1,368 $88
2015 $1,584 -$21 $1,280 $51
2014 $1,605 -$33 $1,229 $34
2013 $1,638 -$355 $1,195 -$80
2012 $1,993 $227 $1,276 $82

If your rates are rising faster than those in your state, consider shopping around for a better deal.

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How are car insurance rates trending in major cities in Connecticut?

Auto insurance rates depend on the driver's location, with a number of location-specific variables impacting rates. That means drivers could see major differences in their insurance rates, based solely on their ZIP code or city. As an example, drivers in New Haven faced a bigger year-over-year rate increase (-0.1%) than their intrastate neighbors in Stamford (-0.6%) between 2018 and 2017.

See below annual rate changes in major Connecticut municipalities. If your city is expensive — and moving isn't a feasible option — you can always get quotes and try to find a more reasonable rate.

City Avg. Premium Increase — 2018 vs. 2017
New Haven -0.1%
Stamford -0.6%
Waterbury -0.7%
Bridgeport -0.7%
Hartford -1.4%

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Renata Balasco photo
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver