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.

YearAvg. Annual Premium — ConnecticutYearly Change — ConnecticutAvg. Annual Premium — USYearly Change — US

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.

CityAvg. Premium Increase — 2018 vs. 2017
New Haven-0.1%

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The ZebraThe nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison tool, The Zebra partners with companies such as Allstate, Liberty Mutual, and Progressive to help consumers browse pricing, coverage, and service level for both home and auto insurance policies.