Best & Cheapest Car Insurance Quotes in Connecticut (2024)
State Farm has the best car insurance quotes in Connecticut. It costs $121 per month for full coverage and $59 for liability only.
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Best cheap car insurance in Connecticut
How we chose the top companies
Best and cheapest car insurance in Connecticut
- Cheapest full coverage: State Farm, $121/mo
- Cheapest minimum liability: State Farm, $59/mo
- Cheapest for young drivers: State Farm, $189/mo
- Cheapest after a ticket: State Farm, $129/mo
- Cheapest after an accident: State Farm, $129/mo
- Cheapest for teens after a ticket: State Farm, $205/mo
- Cheapest after a DUI: Allstate, $344/mo
- Cheapest for poor credit: Geico, $214/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm and Geico offer the best combination of dependable customer service and cheap rates in Connecticut. Both companies offer online quotes, so you can quickly compare rates to find the best option for you.
Cheapest car insurance in Connecticut: State Farm
State Farm is the cheapest car insurance company for full coverage in Connecticut, with an average rate of $121 per month. That's 38% cheaper than the state average overall.
Find Cheap Car Insurance Quotes in Connecticut
Cheapest full coverage car insurance companies in CT
Company | Monthly rate | |
|---|---|---|
| State Farm | $121 |
| Geico | $143 |
| Farmers | $199 |
| Amica | $203 |
| Nationwide | $228 |
*USAA is available only to current and former military members and their families.
Cheapest liability insurance quotes in Connecticut: State Farm
State Farm is the cheapest car insurance company in Connecticut for a minimum liability policy. Quotes from State Farm average $59 per month. That's 34% cheaper than the CT state average.
Cheapest CT car insurance companies
Company | Monthly rate |
|---|---|
| State Farm | $59 |
| Geico | $64 |
| Amica | $88 |
| Allstate | $107 |
| Progressive | $113 |
*USAA is available only to current and former military members and their families.
Consider USAA if you're eligible as a veteran, current military member or close relative. It has some of the best customer service in Connecticut and costs less than State Farm.
Find Cheap Car Insurance Quotes in Connecticut
Cheapest car insurance for young drivers in Connecticut: State Farm
State Farm has the best car insurance rates for young drivers in Connecticut.
State Farm has average rates of $189 per month for minimum liability and $371 for full coverage.
Eighteen-year-old drivers in Connecticut pay $318 per month on average for a minimum coverage policy. That's three and a half times more than an older driver would pay for the same plan.
Cheapest CT car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $189 | $371 |
| Geico | $213 | $478 |
| Amica | $216 | $510 |
| Allstate | $320 | $551 |
| Nationwide | $461 | $902 |
Car insurance companies charge higher rates for younger drivers because they tend to file more claims than older drivers.
Cheapest car insurance after a speeding ticket: State Farm
State Farm has the best rates for cheap insurance in Connecticut after a speeding ticket. You'll pay $129 per month on average. That's 44% cheaper than the typical rate across all companies.
Cheapest car insurance in CT with a ticket
Company | Monthly rate |
|---|---|
| State Farm | $129 |
| Geico | $214 |
| Nationwide | $228 |
| Amica | $234 |
| Farmers | $238 |
On average, a speeding ticket raised Connecticut insurance rates by 17%.
Cheapest car insurance quotes after an accident in CT: State Farm
State Farm offers the cheapest car insurance rates for Connecticut drivers who have had an accident. On average, you'll pay $129 per month for a full coverage State Farm policy after an accident. That's only a few dollars more than the cost without an at-fault crash.
Cheapest CT car insurance with an at-fault accident
Company | Monthly rate |
|---|---|
| State Farm | $129 |
| Geico | $255 |
| Amica | $306 |
| Nationwide | $347 |
| Farmers | $426 |
On average, an accident in Connecticut raises rates by 62%.
After you get into an accident, you should consider shopping around for car insurance to get the best rates. Insurance companies weigh factors like car accidents differently. Farmers raises rates by more than double, while State Farm increases them by only 7%.
Cheapest car insurance for young drivers in CT after a ticket or accident: State Farm
State Farm has the cheapest car insurance in Connecticut for young drivers after both a speeding ticket and an at-fault accident.
State Farm charges an 18-year-old in Connecticut an average of $205 per month after a speeding ticket. That's 43% less than the state average.
Teen drivers with an at-fault accident pay an average of $478 per month in CT. State Farm charges less than half of that.
Company | Ticket | Accident |
|---|---|---|
| State Farm | $205 | $205 |
| Amica | $229 | $260 |
| Geico | $290 | $321 |
| Allstate | $320 | $641 |
| Nationwide | $461 | $509 |
A speeding ticket raises rates for CT teen drivers by 13%, while an accident bumps up rates by 50%.
Teen drivers facing a high car insurance bill can often take advantage of discounts for young drivers, which can be earned by taking a defensive driving course, getting good grades or sharing a car insurance policy with their parents.
Cheapest car insurance in Connecticut after a DUI: Allstate
Allstate has the most affordable quotes for those convicted of driving under the influence. On average, you'll pay just $344 per month after a DUI. That's one-quarter the Connecticut state average.
Cheapest CT DUI car insurance
Company | Monthly rate |
|---|---|
| Allstate | $344 |
| Progressive | $372 |
| Nationwide | $438 |
| Farmers | $446 |
| State Farm | $564 |
On average, a DUI will cause your car insurance rate to double in Connecticut.
Cheapest CT car insurance for drivers with poor credit: Geico
Geico has the best rates for a full coverage policy for a driver with poor credit in Connecticut. It costs $214 per month on average, or almost half the state average.
Cheap car insurance in Connecticut with bad credit
Company | Monthly rate |
|---|---|
| Geico | $214 |
| Nationwide | $348 |
| Allstate | $396 |
| Farmers | $398 |
| Progressive | $449 |
While your credit score doesn't impact your ability to drive safely, insurance companies believe people with lower credit scores tend to file claims more often. As a result, drivers with poor credit pay nearly double the rates of drivers with good credit in Connecticut.
Best car insurance companies in Connecticut
State Farm and USAA have the top-rated car insurance in Connecticut.
Both companies offer a great combination of trustworthy customer service and cheap rates. However, USAA car insurance is an option only for military members, veterans and their families.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Amica | 862 | A+ | |
| Geico | 835 | A++ | |
| Nationwide | 815 | A+ |
Choosing a company with good customer service can save you considerable stress if you get into a crash.
Good service means it's less likely you'll have to wait for a payout after a crash or have to put in extra work to contact someone at the company to get different steps of the process going.
Average cost of car insurance in Connecticut by city
Bridgeport has the most expensive car insurance in Connecticut, while Conning Towers-Nautilus Park has the cheapest.
Car insurance in Bridgeport, CT costs $269 per month on average. Residents of Conning Towers-Nautilus Park pay $171 per month on average.
Where you live in Connecticut can dramatically impact the quotes you get for auto insurance. Factors including road conditions and auto theft in a given area can mean more claims, which in turn means higher rates.
City | Monthly Rate | % from average |
|---|---|---|
| Abington | $181 | -7% |
| Amston | $176 | -10% |
| Andover | $176 | -10% |
| Ansonia | $224 | 15% |
| Ashford | $176 | -10% |
Minimum car insurance requirements in Connecticut
Drivers in Connecticut must have a car insurance policy that includes 25/50/25 liability coverage and underinsured motorist coverage to legally drive.
Coverage | Limit |
|---|---|
| Bodily injury (BI) liability | $25,000 per person / $50,000 per accident |
| Property damage (PD) liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury (UM/UIMBI) | $25,000 per person / $50,000 per accident |
What's the best car insurance to get in Connecticut?
Consider minimum liability car insurance if you want the cheapest way to satisfy Connecticut's insurance requirements. These include bodily injury liability, property damage liability and uninsured/underinsured motorist coverage.
However, if you can afford it, choosing higher liability coverage limits can protect you from paying a lot of money for damage after an accident you cause.
Full coverage policies include collision and comprehensive coverage. These pay for repairs to your vehicle even if you cause an accident. Full coverage also includes liability coverage required by the state.
If you lease or finance your car in Connecticut, you’ll usually have to add collision and comprehensive coverage. It's a good idea to have collision and comprehensive car insurance if your car is worth more than $5,000 or newer than eight years old.
Frequently asked questions
Who has the cheapest car insurance quotes in Connecticut?
State Farm has the cheapest full coverage and minimum-coverage car insurance in CT. You'll pay $121 per month on average for full coverage and $59 per month for liability only.
How much does car insurance cost in Connecticut?
A minimum-coverage car insurance policy in Connecticut costs an average of $91 per month, or $1,088 per year. A full coverage policy costs an average of $195 per month, or $2,346 per year.
How much car insurance coverage do I need in Connecticut?
Connecticut state law requires that drivers have $25,000 per person and $50,000 per accident in bodily injury liability auto insurance coverage. You'll also need $25,000 in property liability coverage and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
Is car insurance cheaper in Connecticut than New York?
No, Connecticut car insurance costs more than insurance in New York state by an average of $36 per month for full coverage and $3 per month for minimum coverage.
Methodology
ValuePenguin collected thousands of quotes from every ZIP code across Connecticut from some of the state's largest insurance companies for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
For our minimum coverage policy, quotes were taken using the minimum required limits in Connecticut. Full coverage policies included higher liability limits.
- Bodily liability: $50,000 per person/$100,000 per accident
- Personal injury protection: $10,000
- Property damage: $25,000 per accident
- Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from insurance company filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.