Connecticut's cheapest car insurance & best providers | finder.com

Cheap car insurance in Connecticut

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

How to get the best car insurance in Connecticut

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.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Connecticut auto insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

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$1,109
Allstate$1,244
Geico$1,703
USAA$1,717
Travelers$2,152
Amica$2,408
MetLife$3,201
Liberty Mutual$3,353
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.

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

Compare car insurance companies near you.

Your information is secure.

Frequently asked questions about Connecticut car insurance

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Question 1 of 2

Based on your answers, check out:

Compare more car insurance companies

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site