Car Insurance In Connecticut

Best Ways To Get Affordable Car Insurance In Connecticut

The rates of car insurance companies vary. Different states have different geographical conditions, environmental factors, and driving cultures that either raise or lower the risk of accident or theft. Age, gender, marital status, driving record, vehicle, city and credit score are factors that are considered and affect insurance policies in Connecticut.

With so many car insurance providers available, finding the best car insurance company in Connecticut can be a  tasking job but worthwhile. You would have to obtain the rates and discounts of different car insurance companies and compare them and then choose which is best for you. We have sourced auto insurance companies that offer the best rates that would suit your needs.

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Cheapest Companies For Minimum Coverage In Connecticut

Most insurance experts recommend purchasing higher limits and encourage drivers to consider full coverage. The reason is if you were involved in a car accident, minimum coverage car insurance covers damages and medical bills for the other vehicles involved up to the lowest limit permitted only. Purchasing the lowest coverage would require you to pay for your own expenses out of pocket. However, these companies offer cheap minimum coverage on average in Connecticut.

Car insurance companyAverage annual minimum coverage premiumAverage monthly minimum coverage premium
Geico$427$36
Amica$430$36
USAA$472$39
State Farm$618$52
Nationwide$631$53

 

Cheapest companies for full coverage in Connecticut

With Geico ranking first, these companies offer the best full coverage rates in Connecticut.

Car insurance companyAverage annual full coverage premiumAverage monthly full coverage premium
Geico$1,071$89
Amica$1,216$101
USAA$1,264$105
Nationwide$1,280$107
Electric Insurance$1,535$128

 

Cheap Car Insurance In Connecticut For Good Drivers

 

Cheapest companiesAverage annual rates
Geico$719
Kemper$1,211
USAA$1,233
State Farm$1,386
State Average$1,463

Good drivers spend less on auto insurance compared to people with recent claims on their record. Geico offers the cheapest rates for good drivers in Connecticut. 

Cheap Car Insurance In Connecticut For Young Drivers Ages 18 to 25

Insurance policy for young drivers is expensive. Young drivers in Connecticut pay over $4,000 on average when they’re 18. However, the rates decrease over time as they age as long as they don’t have accidents, claims or tickets.

Geico has the cheapest rates for young drivers in Connecticut.

Cheapest companiesAverage annual rates
Geico$1,521
USAA$2,006
Kemper$2,198
State Average$2,637

 

 

Cheap Car Insurance For Adding A Teen Driver In Connecticut

Your insurance policy rate skyrockets by 138% when you add a teen driver because insurance providers view inexperienced drivers as a high risk.

Geico offers the best rates for parents who add teens to their policy, even though it nearly doubles average premiums. You could offset the increase by ensuring that you’re getting all of the discounts for which you’re eligible and seeing how much you would save by increasing your deductible.

Cheapest companiesParents onlyParents plus teen driverAverage % increase for adding teen
    
Geico$952$1,87897%
Nationwide$1,496$2,34156%
USAA$1,375$3,526156%
State Average$1,802$4,274138%

Cheap Car Insurance In Connecticut For Seniors 

 

Cheapest companiesAverage annual rates
Geico$856
Kemper$1,422
USAA$1,437
State Farm$1,495
State Average$1,752

Cheap Car Insurance In Connecticut For Drivers With A DUI

Drivers with DUI are viewed as high-risk drivers and a DUI conviction almost doubles the average car insurance rate in Connecticut. It’s wise to get quotes from different car insurance companies after a DUI in order to get the cheapest rates offered.

Cheapest companiesAverage annual rates
State Farm$1,510
Progressive$1,915
USAA$2,471
Geico$2,628
State Average$2,914

 

Cheap Car Insurance In Connecticut For Drivers with A Speeding Ticket

A speeding ticket increases Connecticut car insurance rates by an average of 17%. However, some companies don’t hike rates that much. Geico has the cheapest car insurance rates for drivers with a speeding ticket in Connecticut.

Cheapest companiesAverage annual rates
Geico$834
Kemper$1,400
State Farm$1,510
State Average$1,715

Minimum Connecticut Auto Insurance

Connecticut law requires only liability car insurance. The liability car insurance pays for damage and injuries you cause to others. Drivers in Connecticut are required to buy liability coverage with at least:

  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to multiple people in one accident
  • $25,000 for damage to property in one accident
Types of liability coverageDefinition
Bodily injury (BI)Injury you cause to others, includes medical expenses, lost wages, and funeral expenses
Property damage (PD)Damage you cause to others’ vehicle or property
Uninsured motorist (UM)Protects you when an at-fault driver hits you with no insurance
Underinsured motorist (UIM)Protects you when an at-fault driver hits you with not enough coverage

However, Connecticut’s minimum liability coverage is not enough. It is advised to buy higher liability limits to protect your net worth in case you are sued.

Note; It is against the law to drive in the state of Connecticut without auto insurance. If you get caught driving without insurance you’re likely to get a fine ranging from$100 to $1,000. For the first conviction, your vehicle registration and licence would be suspended for a month and on your second conviction, they will be suspended for six months.

Car Insurance Rates By City In Connecticut

The table shows the estimated average annual insurance premium per household in some cities in connecticut. 

CityAverage annual insurance premium 
Bridgeport$1,378
New Haven$1,348
Stamford$1,606
Hartford$1,277
Waterbury$1,355
Norwalk$1,604
Danbury$1,532
New Britain$1,353
West Hartford$1,638
Meriden$1,471
Bristol$1,491
West Haven$1,454
Stratford$1,544
Milford$1,594
East Hartford$1,427
Middletown$1,478
Shelton$1,605
Norwich$1,449
Trumbull$1,726
Torrington$1,474
Naugatuck$1,547
Newington$1,580
Manchester$1,431
East Haven$1,519
Westport$1,816
New London$1,327
Wethersfield$1,578
North Haven$1,644
Darien$1,878
Ansonia$1,424
Wallingford$1,518
Willimantic$1,283
Storrs$1,314
Orange$1,698
Greenwich$1,591
Derby$1,485
Windsor Locks$1,528
Bethel$1,578
Groton$1,438
Riverside$1,850

 

Events that can impact your cheap rates in Connecticut

Certain events can affect your cheap rates and can make you go in search of insurance again. The following events can raise your rates;

  • Adding a teen driver: Teen drivers are generally classified as high-risk drivers. They are more likely to get involved in an accident because of their lack of experience. The added risk makes premiums for teen drivers pricier. However, there are student discounts that could help you save money if you do need to add a teen driver to your premium.
  • Getting a speeding ticket: If you receive a speeding ticket, you are likely to see an increase in your car insurance rates. However, some insurance providers offer discounts to drivers who complete defensive driving courses.
  • Being involved in an at-fault accident: Your premium goes up significantly when you get involved in an at-fault accident. A driver’s car insurance increases by $637 on average. 
  • Being regarded as a high-risk driver: Drivers with a DUI are deemed as high-risk drivers and high-risk insurance tends to be more expensive than standard auto insurance.

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