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

The Zebra
Feb. 7, 2019

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.


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Average Connecticut car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Prices in Connecticut by Age Bracket

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 more risky.

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.


CONNECTICUT AUTO INSURANCE COSTS BY AGE
AgeAverage Annual Rate
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

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.




Average Auto Insurance Expenditures in Connecticut by Gender

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.


CONNECTICUT AUTO INSURANCE PRICES FOR MEN AND WOMEN
GenderAverage Yearly Cost
Male$1,503.04
Female$1,475.88

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.




Mean Auto Insurance Premiums in Connecticut by Marital Status

One benefit of getting hitched — aside from the honeymoon — is the improved deal you often earn on your car insurance policy. In Connecticut, wedded drivers save $76 per year on auto insurance. This is a better deal than the US savings of $76.


CONNECTICUT AUTO INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,503.04
Married$1,426.80
Divorced$1,503.04
Widowed$1,503.04

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. It never hurts to see what's out there!




Average Car Insurance Rates in Connecticut by Credit Score

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 saves $1,476.64 each year on car insurance, versus a driver who has a low credit history. Read more about how credit score impacts car insurance outlays:


CONNECTICUT AUTO INSURANCE PRICES BY CREDIT TIER
Credit TierAverage Yearly Premium
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

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 and learn how to save!




Average Auto Insurance Costs for High-Risk Drivers in Connecticut

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 $660.92 per year in car insurance premiums. A DUI — one of the most grave driving offenses — could raise your insurance rates in Connecticut by an average of $1,199.48.


CONNECTICUT AUTO INSURANCE PREMIUMS AFTER VIOLATIONS
AgeAverage Yearly Rate
DUI/DWI$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 you're facing above-average car insurance payments, it's worth weighing your options to get reasonably priced coverage that fits your budget.




Average Car Insurance Costs by Coverage Level in Connecticut

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.


CONNECTICUT CAR INSURANCE PREMIUMS BY COVERAGE TIER
Coverage LevelAverage 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.