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Compare car insurance in Connecticut

Get the cheapest car insurance in Connecticut for 2021

Connecticut drivers pay an average of $1,326.09 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $110.51 per month. Connecticut drivers pay about 11% more than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Connecticut car insurance quick facts

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Minimum liability requirements

25/50/25

Average annual car insurance cost according to the NAIC

$1,326.09

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Connecticut state minimum car insurance requirements

Drivers in Connecticut are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/25, but we’ll break down what that means.

    Bodily Injury Liability

    Connecticut bodily injury liability

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury per accident

    Connecticut requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Connecticut property damage liability

    • $25,000 property damage liability

    Connecticut requires drivers to carry $25,000 of property damage liability to legally drive. This is the highest required property damage limit across the US, with 18 other states requiring this amount.

    This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Uninsured or underinsured motorist

    Connecticut uninsured or underinsured motorist

    • $25,000 uninsured or underinsured motorist bodily injury per person
    • $50,000 uninsured or underinsured motorist bodily injury per accident

    Connecticut requires all drivers to carry $25,000 of uninsured motorist bodily injury per person and $50,000 uninsured motorist bodily injury per accident to legally drive. Near half of the states across the US require some sort of uninsured motorist coverage, though some other states let you opt-out.

    This coverage protects you if you get hit by an uninsured or underinsured driver. It pays for medical bills for you and your passengers.

    Finder tip: State minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Connecticut, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    7 factors that affect car insurance rates in Connecticut

    Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Connecticuter’s rating factors to keep in mind.

    FactorHow it affects your rates
    Age

    Age

    How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.
    Gender

    Gender

    Connecticut takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end.
    Location

    Location

    Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

    Connecticut vehicle theft rates stand at 236.8 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s slightly below the national average of 246 vehicle thefts per 100,000 inhabitants.

    As for uninsured drivers, 6.3% of Rhode Islanders on the road are uninsured. That’s on the lower end for the percentage of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%.

    Driving Record

    Driving Record

    The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Connecticut can increase your rate by around 100%, that’s on the higher end compared to other states. These types of violations typically stay on your record for about three years.
    Vehicle and mileage

    Vehicle and mileage

    Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

    Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

    And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Connecticuters drive an average of 29.5 miles per day, that’s below the average across the US of 36.1 miles per day.

    Credit score

    Credit score

    Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

    Connecticut drivers have protections under state laws that regulate the use of credit history when issuing car insurance policies. Connecticut law requires insurers to file their scoring system with the insurance department and notify drivers if their rate is adversely affected by credit score.

    Coverage

    Coverage

    The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.

    Most popular Connecticut auto insurance companies list

    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$1,244Get a quote Read review
    Geico$1,703Read review
    USAA$1,717Get a quote Read 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

    Compare car insurance providers in Connecticut

    Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
    Allstate
    Optional
    13%
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
    Progressive
    Optional
    30%
    All 50 states & DC
    Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
    Pretected
    Pretected
    Optional
    Yes
    All 50 states
    Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
    The AARP Auto Insurance Program from the Hartford
    Optional
    Yes
    All 50 states
    Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
    Clearcover
    Optional
    Yes
    AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
    Get instant online support and score a low rate thanks to online data that sets premiums automatically.
    Root
    52%
    Available in 31 states
    Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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    Compare up to 4 providers

    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.

    Frequently asked questions about Connecticut car insurance

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