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Compare car insurance in Connecticut

Get the cheapest car insurance in Connecticut for 2020

Updated

To legally drive in Connecticut, you’re required to carry liability insurance. But unlike many other states, you’re also required to carry uninsured motorist coverage to help you in an accident caused by a driver with no or little coverage.

Compare Connecticut’s driving rules and insurance requirements and get the best rate on your car insurance coverage.

Connecticut

Car insurance quick facts

20/40/10

Minimum liability requirements

$1,100

Average annual car insurance cost

60

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Connecticut auto insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Geico
Optional
26%
All 50 states
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
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Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
Geico$575,37918.7%
Progressive$315,31710.20%
Allstate$304,0769.90%
Liberty Mutual$283,3339.20%
State Farm$208,3186.80%
Travelers$184,6376%
USAA$146,5994.80%
Amica$113,7913.70%
MetLife$112,9743.70%
Nationwide$112,9033.70%

Cheapest car insurance in Connecticut

CompanyAverage annual rateLearn more
Electric$905
State Farm$1,109Read review
Allstate$1,244Get a quote
Geico$1,703Read review
USAA$1,717Read review
Travelers$2,152
Amica$2,408
MetLife$3,201
Liberty Mutual$3,353Get a quote
Safeco$5,386

Which city has the cheapest car insurance in Connecticut?

Of Connecticut’s largest cities, Middletown has the cheapest rates and West Haven has the most expensive car insurance rates. West Haven drivers could face rates 5 times more than Middletown drivers.

Car insurance quotes in Bristol

CompanyAnnual car insurance rate
Allstate$1213
Metromile$2330
Geico$1239
State Farm$787
USAA$1279

Car insurance quotes in Stamford

CompanyAnnual car insurance rate
Allstate$1197
Metromile$2428
Geico$1154
State Farm$867
USAA$1428

Car insurance quotes in West Haven

CompanyAnnual car insurance rate
Allstate$1446
Metromile$3060
Geico$1459
State Farm$1054
USAA$1681

Car insurance quotes in Wallingford

CompanyAnnual car insurance rate
Allstate$1343
Metromile$2328
Geico$1114
State Farm$819
USAA$1435

Car insurance quotes in Middletown

CompanyAnnual car insurance rate
Allstate$1213
Metromile$2368
Geico$1115
State Farm$678
USAA$1224

State minimum requirements in Connecticut

When driving in Connecticut, you must keep hard-copy proof of your car insurance — either your policy’s declaration page or your permanent ID card — in your car at all times or face up to $50 in fines. State law does not allow you to present a digital version of your ID on your phone or tablet to prove coverage.

Harsher still, if you lend your uninsured car to a friend and they get caught, the burden of responsibility falls on you: the car’s owner. Your friend? They pay up to $1,000 in fines on top of the penalties for driving an uninsured vehicle.

Depending on your state of residence, you face varying minimum requirements for car insurance. In Connecticut, you can’t legally drive unless you carry liability insurance that includes at least:

  • $20,000 bodily injury liability coverage per person
  • $40,000 bodily injury liability coverage per accident
  • $10,000 property damage liability coverage per accident

When shopping for car insurance, you may see these liability limits written as 20/40/10.

Some 20 states mandate that its drivers also carry uninsured/underinsured motorist coverage, which protects a driver if they’re involved in an accident with another driver that isn’t adequately covered by a car insurance policy. Connecticut is one of those states, requiring:

  • $20,000 uninsured/underinsured motorist coverage per person.
  • $40,000 uninsured/underinsured motorist coverage per accident.

Can I get SR-22 insurance in Connecticut?

You might need an SR-22 in Connecticut if you’ve gotten a DUI, lost your license or have too many points on your driving record. SR-22 tells the state you have the minimum coverage required to get back behind the wheel.
How long should your disability elimination period last?

Bottom line

Connecticut is one state where you don’t want to take the risk of driving without car insurance. You’ll need to purchase both liability insurance and uninsured/underinsured motorist coverage to remain legal under state laws or face a suite of stiff penalties that include fines, suspensions and even a stint in jail.

To get the cheapest coverage for your needs, carefully research your car insurance options when driving in Connecticut.

Get the cheapest quotes

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Frequently asked questions about Connecticut car insurance

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