Car Insurance for Good Drivers in Connecticut

The Zebra
July 15, 2019

Auto insurance for good drivers in Connecticut

Some of the factors contributing to car insurance rates are out of your hands: your age, location, and gender are common rating factors over which you don’t have much of a say. But there are a few factors you can control if you're looking for lower rates.

To find affordable car insurance, try to keep your driving record cleaen, your credit score high, and your monthly mileage low. Car insurance companies are willing to provide price breaks to customers who present relatively little risk, so exhibiting low-risk driving and lifestyle behaviors can lead to a price cut.

See below example rates from top companies for low-risk customers in Connecticut.

Car insurance rates for drivers with no citations in Connecticut

One of the easiest ways to pay less for auto insurance is to maintain a good driving record. Car insurance companies see safe drivers as less risky customers, in turn charging them lower premiums. If you remain on the right side of the law, you could enjoy lower car insurance rates.

If you're citation-free, start your insurance comparison journey with General Casualty, with average annual premiums of $1,001. That sums to $549less than the average car insurance rate for drivers without citations in Connecticut.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN CONNECTICUT
Insurance CompanyAvg. Annual Auto Insurance Rate
General Casualty$1,001
Utica National Ins Group$1,029
State Farm$1,190
GEICO$1,396
USAA$1,493
Electric$1,570
Amica Mutual$1,592
Nationwide$1,697

Auto insurance rates for drivers with above-average credit in Connecticut

Auto insurance companies reward clients who maintain a solid credit profile. Insurers see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score is between 670 and 739, your best auto insurance option in Connecticut could be General Casualty, offering average rates of $1,001. If your credit score is in the “excellent” range, General Casualty might be a smart place to start your search. General Casualty's premiums for drivers with credit scores of 800 and up are $428 per year less than the typical car insurance rate for drivers with excellent credit in Connecticut.

Find below a breakdown of auto insurance rates in Connecticut for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN CONNECTICUT
Insurance CompanyAvg. Annual Auto Insurance Rate
General Casualty$1,001
Utica National Ins Group$1,029
State Farm$1,190
GEICO$1,396
USAA$1,493
Electric$1,570
Amica Mutual$1,592
Nationwide$1,697

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN CONNECTICUT
Insurance CompanyAvg. Annual Auto Insurance Rate
General Casualty$947
Utica National Ins Group$1,029
State Farm$1,077
GEICO$1,265
USAA$1,390
Electric$1,532
Amica Mutual$1,592
Nationwide$1,599

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN CONNECTICUT
Insurance CompanyAvg. Annual Auto Insurance Rate
General Casualty$890
State Farm$976
Utica National Ins Group$1,029
GEICO$1,265
USAA$1,341
Amica Mutual$1,437
Nationwide$1,486
Progressive$1,487

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Car insurance for low-mileage drivers in Connecticut

If you drive infrequently, you're less likely to get into a collision. At least that’s the logic car insurance companies use when rewarding drivers who use their cars only infrequently. If you stay below the 7,500-mile-per-year threshold, you’re likely to save some money on auto insurance each month. Exactly how much you'll save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a Connecticut resident who doesn't rack up major mileage, consider General Casualty, which offers average annual savings of $549 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN CONNECTICUT
Insurance CompanyAvg. Annual Auto Insurance Rate
General Casualty$1,001
Utica National Ins Group$1,029
State Farm$1,085
GEICO$1,268
USAA$1,331
Electric$1,570
Amica Mutual$1,592
Nationwide$1,697

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Rates for good drivers in Connecticut — by city

Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Insurance companies rate policies by the driver’s home ZIP code, adjusting premiums for the risk levels associated with various regions.

Find below a summary of auto insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Stamford$1,705$1,705$1,592$1,485$1,683
Waterbury$2,042$2,042$1,907$1,774$1,942
Hartford$2,123$2,123$1,980$1,842$2,034
Bridgeport$2,133$2,133$1,990$1,851$2,053
New Haven$2,139$2,139$1,998$1,860$2,089

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