On average, your neighbors pay $87 a month.
USAA, Travelers and GEICO offer the cheapest car insurance in Connecticut, according to a QuoteWizard survey of companies that sell auto coverage in the Constitution State.
Connecticut drivers pay an average of $524 per year when they buy the minimum amount of auto insurance the state requires from USAA. Our research also shows they pay an average of $1,011 per year for a full-coverage policy when they buy it from Travelers.
GEICO offers similarly cheap car insurance to Connecticuters. Drivers in this state pay an average of $528 per year when they get state-minimum coverage from GEICO, and an average of $1,054 per year when they get full coverage from the same company.
All of these rates are well below the state averages for such policies. Based on our data, a typical Connecticut driver spends $802 per year on minimum coverage and $1,397 per year on full coverage.
Continue reading to learn more about the above, as well as:
USAA is the best option for Connecticut drivers looking for cheap state-minimum auto insurance, with a $524 average annual premium. Travelers is the best option for cheap full-coverage auto insurance in the state, with a $1,011 average annual premium.
These rates are based on quotes gathered from Connecticut insurers for a typical driver.
Several other insurance companies also offer affordable car insurance to drivers in Connecticut, our survey shows. Take GEICO, for example. The average premium it offered our sample driver for a state-minimum policy was only $4 per year more than what USAA offered for the same coverage.
Travelers and Amica offer low-cost minimum coverage in Connecticut, too. Travelers’ average premium of $554 per year was just $2.50 per month more than USAA’s, while Amica’s average premium was around $9.50 more per month.
GEICO is also near the top of the heap when it comes to offering affordable full-coverage car insurance — which often provides liability, comprehensive and collision coverage — in Connecticut, as is USAA.
The average annual premium GEICO sent our sample driver for a full-coverage policy was a little over $3.50 per month more than what Travelers sent. As for USAA, its average annual premium for the same amount of coverage was only $4 per month more than Travelers’ offering.
Several rate factors determine what you pay for car insurance, so the quotes you get from these and other companies may be cheaper or more expensive than what you see here. Some of these rate factors include your age, your gender, where you live and the make and model of your vehicle.
USAA, Travelers and GEICO are the best car insurance companies in Connecticut if you want cheap auto coverage, according to our data.
USAA is our top pick for cheap state-minimum car insurance coverage in Connecticut.
USAA offered our sample driver an average rate of $524 per year for the minimum amount of car insurance the state requires. That’s $278 per year, or $23 per month, cheaper than the Connecticut average for this kind of policy.
Travelers is our top pick for cheap full-coverage car insurance in Connecticut.
Travelers offered our driver an average rate of $1,011 per year for a full-coverage policy. That’s $386 per year, or $32 per month, cheaper than the state average for such coverage.
Travelers also offers low-cost state-minimum policies to Connecticut drivers. Its average annual premium of $554 for this amount of coverage is just $30 more per year than USAA’s average premium.
Connecticut drivers who want cheap car insurance should get quotes from GEICO, too. The average premiums it sent to our sample driver were nearly as affordable as the rates USAA and Travelers sent.
GEICO offered our sample driver an average rate of $528 per year for state-minimum coverage. That’s only $4 per year more than what our top pick, USAA, offered for the same type of coverage.
GEICO offered our sample driver an average rate of $1,054 per year for a full-coverage policy. That’s $43 per year more than what Travelers offered for the same, and $343 per year less than the state average.
GEICO isn’t just our runner-up for best auto insurance rates in Connecticut; it’s also the most popular car insurance company in the state. This is according to data from S&P Global that says the Berkshire Hathaway-backed insurer commands 18% of the market here.
USAA, our pick for best cheap minimum coverage, writes 6% of car insurance policies in the state. That’s enough for it to be Connecticut’s sixth-largest auto insurer.
|Insurance company||Connecticut market share|
|Source: S&P Global|
Our pick for best for cheap full coverage, Travelers, is Connecticut’s seventh-largest car insurance company. It also writes about 6% of the state’s auto policies.
Connecticut law requires the state’s drivers to carry minimum auto insurance coverage of 25/50/25. That means policies must include at least:
Connecticut auto policies must also provide a minimum amount of uninsured and underinsured motorist coverage. Specifically, they need to include at least:
We conducted a comprehensive study of auto insurance rates in Connecticut through Quadrant Information Services. The quotes we collected were for a single, 35-year-old male who has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible, where applicable.
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