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Cheap car insurance in Connecticut
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.
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Connecticut auto insurance providers
Most popular Connecticut auto insurance companies list
| Company | Direct premiums written (billions) | Market share |
|---|---|---|
| Geico | $575,379 | 18.7% |
| Progressive | $315,317 | 10.20% |
| Allstate | $304,076 | 9.90% |
| Liberty Mutual | $283,333 | 9.20% |
| State Farm | $208,318 | 6.80% |
| Travelers | $184,637 | 6% |
| USAA | $146,599 | 4.80% |
| Amica | $113,791 | 3.70% |
| MetLife | $112,974 | 3.70% |
| Nationwide | $112,903 | 3.70% |
Cheapest car insurance in Connecticut
| Company | Average annual rate | Learn 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
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1213 |
| Metromile | $2330 |
| Geico | $1239 |
| State Farm | $787 |
| USAA | $1279 |
Car insurance quotes in Stamford
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1197 |
| Metromile | $2428 |
| Geico | $1154 |
| State Farm | $867 |
| USAA | $1428 |
Car insurance quotes in West Haven
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1446 |
| Metromile | $3060 |
| Geico | $1459 |
| State Farm | $1054 |
| USAA | $1681 |
Car insurance quotes in Wallingford
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1343 |
| Metromile | $2328 |
| Geico | $1114 |
| State Farm | $819 |
| USAA | $1435 |
Car insurance quotes in Middletown
| Company | Annual 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.
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