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 company | Average annual minimum coverage premium | Average 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 company | Average annual full coverage premium | Average 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 companies | Average 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 companies | Average 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 companies | Parents only | Parents plus teen driver | Average % increase for adding teen |
| Geico | $952 | $1,878 | 97% |
| Nationwide | $1,496 | $2,341 | 56% |
| USAA | $1,375 | $3,526 | 156% |
| State Average | $1,802 | $4,274 | 138% |
Cheap Car Insurance In Connecticut For Seniors
| Cheapest companies | Average 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 companies | Average 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 companies | Average 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 coverage | Definition |
| 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.
| City | Average 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.
