Cheap Connecticut Car Insurance

Compare the best rates from 14 car insurance companies in Connecticut.

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Here's what you need to know when driving in Connecticut

Across the Constitution State, there are 45,552 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Connecticut?
RankCompany NameAvg. Annual Premium
1Utica National$784
2Travelers$1,148
3Amica$1,232
4USAA$1,246
5Nationwide$1,411
6Unitrin$1,549
7State Farm$1,591
8MetLife$1,596
9Cal Casualty$1,648
10General Casualty$1,654
11Progressive$1,850
12Safeco$1,883
13GEICO$1,978
14Middlesex$2,074
15Encompass$2,326
16Victoria$2,396
17Electric$2,424
18Liberty Mutual$2,621
19Foremost$3,230
20Allstate$3,445
21Hanover$3,469
22Dairyland$3,744

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Cheap Insurance for Good Drivers in Connecticut

Drivers with good driving records typically enjoy lower 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$25614.53%
No Accidents$74733.20%
Good Credit$1,30546.47%

Cheap Insurance for Young Drivers in Connecticut

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 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.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$6,085$9,330
17$5,674$6,737
18$5,657$5,785
19$5,002$3,716

Cheap Car Insurance for Bad Drivers in Connecticut

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 driver discount from your insurance company.

Rating FactorAnnual Rate% Increase
At-Fault Accident$2,25033.20%
DUI$2,74445.22%
Speeding Violation$1,75914.53%
Bad Credit$2,80846.47%

What are the Best Car Insurance Companies in Connecticut?

Every auto insurance company advertises its cheap premiums. But just like with any product or service, the most affordable car insurance isn't always the finest 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. Consider doing some work to discover the best value, rather than settling for the most affordable car insurance in your state.

Review top insurers' financial strength and claims satisfaction levels to better understand the quality of service you'll receive. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and varying from "Poor" to "Superior" — measures an insurance company's financial stability and ability to meet its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Amica4Superior
ElectricNot RatedExcellent
EncompassNot RatedSuperior
ForemostNot RatedExcellent
GEICO3Superior
Hanover3Excellent
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
Safeco3Excellent
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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What is the Best Car Insurance Coverage in Connecticut?

The legal minimum car insurance in Connecticut is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

For the minimum required coverage in Connecticut, prepare to pay an average of $821 each year. This cost is more expensive than the U.S. average by 25%. If you opt for 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.

Examine mean prices for basic and comprehensive policy levels in the table below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Connecticut$821.33$1,404.00$1,537.28
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Connecticut

In Connecticut, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident
Uninsured/Underinsured Motorist
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
Optional coverage in Connecticut (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance

Liability coverage is legally required in Connecticut and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Connecticut, the minimum is listed as 25/50/25 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in Connecticut and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Connecticut, the minimum is listed as 25/50 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

These numbers reflect the minimum limits required in Connecticut but higher coverage amounts are available with most companies.

Car Insurance FAQs

Is Connecticut a no-fault state for car insurance?

No. You are only required to pay for the damages — both bodily injury and property damage — if you are deemed at-fault by an insurance claims adjuster.

What car is most expensive to insure in Connecticut?

While your vehicle is certainly used in determining your premium, it is not the only rating factor. Your behavior as a driver is an equally important determinant of what you pay for car insurance. The most expensive cars to insure in Connecticut will be expensive, high-MSRP vehicles.

Does Connecticut law require car owners to carry auto insurance?

Yes. In order to register your vehicle and legally drive it, you will need to show proof of insurance at Connecticut's liability limits or greater.

How much does car insurance cost in Connecticut cities?

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 New London, Connecticut, and the most expensive in New Haven, Connecticut.

RankCityAvg. Annual Premium
1New Haven$2,091
2Bridgeport$1,979
3Hartford$1,947
4Waterbury$1,936
5East Haven$1,923
6West Haven$1,900
7East Hartford$1,736
8Stratford$1,719
9Milford$1,696
10Naugatuck$1,669
11Shelton$1,666
12Trumbull$1,658
13Meriden$1,638
14Stamford$1,613
15New Britain$1,605
16Middletown$1,580
17Bristol$1,566
18Norwalk$1,559
19Danbury$1,557
20Newington$1,536
21West Hartford$1,532
22Manchester$1,508
23Torrington$1,505
24Norwich$1,494
25New London$1,473

Recent Connecticut Car Insurance Questions and Answers

Is there an HO-6 Special (broader) form policy that covers all-risk perils (such as sewer back-up)?

The HO-6 — also known as condo insurance — is designed to be limited in its coverage. I would look into scheduling your building property on an open peril basis which would give you much broader coverage.

Can I get liability insurance for a financed car, and can I get gap insurance without full coverage?

Typically, no. You don't want liability only because the car will not be sufficiently protected.

Can I register my car in someone else's name?

The car can only be registered by the owner. If you sign the title over to someone else, they will own the car and can register the car in their name.

My mother bought out her car lease and put me as the co-owner. She passed away the day after the transaction. Can I add it to my policy?

My condolences. Yes, you can and should add the car to your policy.


How Do Tickets Impact Connecticut Car Insurance Premiums?

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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$3,01194%$1,461
Refused Breathalyzer/Chemical Test$2,81682%$1,266
DUI$2,81682%$1,266
Racing$3,01194%$1,461
Reckless Driving$2,81281%$1,262
Driving with a Suspended License$2,74377%$1,193
At-Fault Accident$2,34351%$793
Driving with an Open Container$2,33751%$787
Operating a Vehicle Without Permission$1,87421%$324
Passing a School Bus$1,90023%$350
Improper Passing$1,90023%$350
Following Too Closely$1,87421%$324
Speeding$1,86220%$312
Failure to Stop at a Red Light$1,87421%$324
Illegal Turn$1,87421%$324
Driving Wrong Way/Wrong Lane$1,90023%$350
Failure to Yield$1,87421%$324
Speeding in a School Zone$1,89923%$349
Driving Too Slowly$1,87321%$323
Distracted Driving$2,01330%$463
Driving with Expired Registration$1,81817%$268
Failure to Show Documents$1,81817%$268
Not-at-Fault Accident$1,74312%$193
Failure to Use Child Safety Restraint$1,6496%$99
Failure to Wear a Seat Belt$1,6496%$99
Driving Without Lights$1,6335%$83

Connecticut Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in Connecticut, while also getting an insider view of the Constitution State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.