What's the Average Cost of Car Insurance in Connecticut?

The Zebra
Oct. 12, 2018

Car insurance policies are expensive in Connecticut. The average car insurance cost in Connecticut is $1,544 per year — 8.2% more than the US average.

Your auto insurance rates are impacted by more than just your location. Car insurance rates consider an array of factors, including your age, credit rating, driving history, gender, and marital status.

We analyzed typical Connecticut car insurance rates by each of the main pricing components. Continue reading to learn how much auto insurance runs in your state — or submit your zip code to see personalized rates from top insurers.


Average Car Insurance Costs in Connecticut by Age

It’s a fact of life: as you age, your auto insurance prices shift. As a general rule, auto insurance is more costly for young drivers, as underwriters consider inexperienced motorists as less responsible.

In Connecticut, car coverage costs $9,330 annually for a 16-year-old motorist, but just $1,382 per year for a driver between 50 and 59 years of age.


CONNECTICUT AUTO INSURANCE COSTS BY AGE BRACKET
Age Average Annual Premium
16 $9,329.99
17 $6,737.41
18 $5,785.19
19 $3,716.26
20s $2,044.68
30s $1,483.54
40s $1,436.52
50s $1,382.48
60s $1,433.96
70s $1,867.31



Average Car Insurance Rates in Connecticut by Gender

While gender doesn’t have as sizable an impact on auto insurance rates as state or age, it is employed as a rating factor. Women pay less than do men for auto insurance in Connecticut, but the difference is just $27.16 per year.

CONNECTICUT CAR INSURANCE PREMIUMS BY GENDER
Gender Average Annual Rate
Male $1,503.04
Female $1,475.88



Average Car Insurance Rates in Connecticut by Marital Status

One benefit of getting married — in addition to the wedding gifts — is the improved deal you typically receive on car insurance. In Connecticut, married drivers save $76 each year on auto insurance policies. This is more than the US average of $76.


CONNECTICUT AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,503.04
Married $1,426.80
Divorced $1,503.04
Widowed $1,503.04



Average Car Insurance Costs in Connecticut by Credit Tier

Insurers rely on credit score as a prediction of how responsible a customer will be. Historical data show drivers with solid credit scores are more reliable car insurance customers: they less frequently file claims covered by auto insurance.

In Connecticut, a driver boasting excellent credit saves $1,476.64 annually on auto insurance rates, versus a driver who has a poor credit history. Read more about how credit score impacts auto insurance costs:


CONNECTICUT AUTO INSURANCE EXPENDITURES BY CREDIT SCORE
Credit Tier Average Annual Rate
Very Poor (300-579) $2,807.72
Fair (580-669) $2,329.85
Good (670-739) $1,929.27
Very Good (740-799) $1,566.83
Exceptional (800-850) $1,331.08



Average Car Insurance Costs for High-Risk Drivers in Connecticut

If you've been discovered to be at fault for an accident or convicted of a driving violation, your car insurance costs are bound to rise. The more red flags you accumulate, the pricier your car insurance becomes.

In Connecticut, your first minor at-fault crash results in an additional $660.92 each year in car insurance premiums. A DUI — considered among the most serious driving infractions — could boost your insurance rates in Connecticut by an average of $1,199.48.


CONNECTICUT CAR INSURANCE RATES AFTER INFRACTIONS
Age Average Yearly Rate
DWI/DUI $2,743.77
Reckless Driving $2,710.36
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
Open Container $2,338.65
Speeding (21-25 MPH > limit) $1,917.14
Speeding (16-20 MPH > limit) $1,808.08

If your car insurance premiums cost more than average, consider insurance shopping to discover affordable coverage that works.


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