State Farm and Travelers offer the cheapest car insurance in Connecticut, with minimum-coverage rates averaging $110 and $123 a month, respectively. Here’s what you need to know to find cheap car insurance in Connecticut.
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Which companies offer the cheapest car insurance in Connecticut?
Our analysis of Connecticut car insurance quotes shows that State Farm offers the cheapest rates to drivers with clean records and those with certain prior incidents, as well as young drivers and seniors. Travelers offers the next-best rates for most drivers, while GEICO’s rates for teen drivers are particularly competitive.
Connecticut’s cheapest minimum-coverage car insurance
State Farm’s rate for minimum-coverage car insurance, $110 a month, is lowest in the state and 45% less than the state average, $202 a month.
Traveler’s rate, $123 a month, is second best, just a touch less than USAA, $126 a month. USAA is only available to current and former members of the military and their family members, but we have included the organization in our analysis for reference.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $1,324 | $110 |
| Travelers | $1,480 | $123 |
| Nationwide | $2,167 | $181 |
| GEICO | $2,185 | $182 |
| Allstate | $2,459 | $205 |
| Average | $2,420 | $202 |
| Progressive | $3,248 | $271 |
| Amica | $4,817 | $401 |
| USAA | $1,515 | $126 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
The minimum car insurance requirements in Connecticut include the following coverages and limits:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured/underinsured bodily injury: $25,000 per person and $50,000 per accident
Liability covers the costs of medical treatment and car repairs for others in an accident you cause. In Connecticut, uninsured/underinsured motorist insurance covers injuries you and/or your passengers suffer in an accident caused by a driver with no insurance or not enough insurance.
If the costs for medical treatment or vehicle repairs exceed your policy’s limit for the applicable coverage, the difference comes out of your own pocket. This is the main reason to consider limits that are higher than the state’s minimum requirements.
Cheapest full-coverage car insurance in Connecticut
State Farm offers the cheapest full-coverage car insurance in Connecticut, with monthly rates averaging $124 a month, followed by Travelers, whose rates average $139 a month. The next lowest rates are available from USAA, $143 a month, Nationwide, $204 a month, and GEICO, $215 a month.
For our analysis, full-coverage car insurance includes collision and comprehensive coverage and higher liability limits than a minimum-coverage policy. Lenders typically require collision and comprehensive coverage, which pay for repairs to your own car, if you finance the vehicle.
The average cost of full-coverage car insurance in Connecticut is $231 a month, or $29 more per month than minimum coverage.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $1,491 | $124 |
| Travelers | $1,665 | $139 |
| Nationwide | $2,452 | $204 |
| GEICO | $2,578 | $215 |
| Allstate | $2,743 | $229 |
| Average | $2,772 | $231 |
| Progressive | $3,885 | $324 |
| Amica | $5,571 | $464 |
| USAA | $1,717 | $143 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Compare rates from top car insurance companies
Cheapest car insurance for Connecticut drivers with a ticket
State Farm offers the cheapest insurance for drivers with a speeding ticket, $136 a month. The next best rates are available from USAA, $165 a month, and Travelers, $191 a month.
In Connecticut, a speeding ticket increases the average cost of full-coverage car insurance by 16% to $269 a month.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $1,633 | $136 |
| Travelers | $2,295 | $191 |
| GEICO | $2,578 | $215 |
| Allstate | $2,743 | $229 |
| Nationwide | $2,939 | $245 |
| Average | $3,233 | $269 |
| Progressive | $5,036 | $420 |
| Amica | $6,485 | $540 |
| USAA | $1,981 | $165 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for Connecticut drivers with an accident history
State Farm and Travelers offer the cheapest car insurance to Connecticut drivers with an accident history, offering rates of $136 and $154 a month, respectively.
An accident increases the average cost of full-coverage car insurance in Connecticut by 46% to $338 a month.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $1,633 | $136 |
| Travelers | $1,843 | $154 |
| GEICO | $3,101 | $258 |
| Nationwide | $4,052 | $338 |
| Average | $4,057 | $338 |
| Allstate | $4,588 | $382 |
| Progressive | $5,919 | $493 |
| Amica | $7,401 | $617 |
| USAA | $2,383 | $199 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for Connecticut drivers with a DUI
Connecticut drivers with a DUI can get the cheapest full-coverage car insurance from State Farm, $136 a month, which is considerably lower than the next-best rate, $240 a month from Travelers.
The average cost of full-coverage car insurance for a Connecticut driver with a DUI is $509 a month. This is more than double the rate available to a driver with a clean record.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $1,633 | $136 |
| Travelers | $2,885 | $240 |
| Allstate | $3,934 | $328 |
| Nationwide | $4,597 | $383 |
| Progressive | $4,739 | $395 |
| Average | $6,113 | $509 |
| GEICO | $7,093 | $591 |
| Amica | $19,976 | $1,665 |
| USAA | $3,703 | $309 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for Connecticut teens
State Farm offers the cheapest car insurance to teen drivers in Connecticut, charging 18-year-olds $338 a month for minimum-coverage insurance and $387 a month for full coverage.
The next lowest rates are available from USAA, which charges 18-year-olds $351 a month for minimum coverage and $401 a month for full coverage, and GEICO, which charges $553 a month for minimum coverage and $666 for a month for full coverage.
Insurance companies tend to charge high rates to teen drivers, because teens have the highest crash rates among age groups. The average rates for 18-year-old drivers in Connecticut are $825 a month for minimum coverage and $965 a month for full coverage.
Young drivers can usually get better rates on car insurance on a parent or guardian’s policy than they can on their own. The discounts that a parent or guardian may get for having good credit, owning a home and/or bundling their car insurance with a home or renters policy usually extends to a teen added to the policy.
Many insurance companies also offer discounts to families with teen drivers, including good-student discounts and discounts to teens living away from home to attend school.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $4,061 | $338 |
| GEICO | $6,635 | $553 |
| Allstate | $6,921 | $577 |
| Nationwide | $7,962 | $663 |
| Average | $9.904 | $825 |
| Progressive | $14,914 | $1,243 |
| Amica | $15,457 | $1,288 |
| Travelers | $18,387 | $1,532 |
| USAA | $4,207 | $351 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $4,638 | $387 |
| GEICO | $7,991 | $666 |
| Allstate | $8,138 | $678 |
| Nationwide | $9,234 | $770 |
| Average | $11,574 | $965 |
| Amica | $17,998 | $1,500 |
| Progressive | $18,021 | $1,502 |
| Travelers | $21,657 | $1,805 |
| USAA | $4,815 | $401 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest car insurance for Connecticut seniors
State Farm and Travelers offer the cheapest minimum- and full-coverage car insurance to senior drivers.
State Farm’s average rate for minimum-coverage car insurance for a 65-year-old driver is $103 a month. The next best rates are available from Travelers, $121 a month, USAA, also $121 a month, and Nationwide, $163 a month.
The cheapest rates for full coverage for a 65-year-old are also available from State Farm, $117 a month, Travelers, $138 a month, USAA, also $138 a month, and Nationwide, $185 a month.
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $1,242 | $103 |
| Travelers | $1,446 | $121 |
| Nationwide | $1,958 | $163 |
| GEICO | $2,100 | $175 |
| Average | $2,254 | $188 |
| Allstate | $2,277 | $190 |
| Progressive | $3,037 | $253 |
| Amica | $4,661 | $388 |
| USAA | $1,451 | $121 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
| Company | Annual | Monthly |
|---|---|---|
| State Farm | $1,476 | $123 |
| Travelers | $1,962 | $164 |
| Nationwide | $2,548 | $212 |
| Allstate | $2,843 | $237 |
| GEICO | $2,873 | $239 |
| Average | $2,957 | $246 |
| Progressive | $4,096 | $341 |
| Amica | $6,336 | $528 |
| USAA | $1,901 | $158 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Seniors have higher crash rates than middle-aged drivers, and insurance companies tend to increase rates to those in their retirement years. The average rate for full-coverage car insurance for a 75-year-old driver in Connecticut is $287 a month, which is 33% more than the rate available to a 65-year-old driver.
If you are a senior, you can usually keep your rates low by maintaining a good driving record. Some companies also offer discounts to seniors who complete certain driver safety classes.
Get cheap car insurance in Connecticut
Car insurance rates by Connecticut city
Of the 10 largest cities in Connecticut, Greenwich has the cheapest average rate for minimum coverage insurance, $163 a month. Hartford has the highest average rate, $231 a month.
Insurance rates tend to be higher in dense cities than in rural areas. There is a greater likelihood of being involved in an accident in a dense city compared to a small town, and the costs of medical care and car repair tend to be higher in cities than they are in the country.
| City | Average annual rate | Average monthly rate |
|---|---|---|
| Bridgeport | $2,758 | $230 |
| Danbury | $2,012 | $168 |
| Greenwich | $1,961 | $163 |
| Hartford | $2,771 | $231 |
| New Britain | $2,165 | $180 |
| New Haven | $2,755 | $230 |
| Norwalk | $1,962 | $164 |
| Stamford | $2,170 | $181 |
| Waterbury | $2,512 | $209 |
| West Hartford | $2,014 | $168 |
| Note: Average rates are for minimum-coverage insurance based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Frequently asked questions about Connecticut car insurance
How much is car insurance in Connecticut?
The average cost of minimum-coverage car insurance in Connecticut is $202 a month. The average cost of full-coverage car insurance in Connecticut is $231 a month.
What car insurance is required in Connecticut?
Connecticut requires motorists to carry bodily injury (BI) and property damage (PD) liability, as well as uninsured/underinsured motorist (UM/UIM) coverage. The minimum limits for BI liability and UM/UIM are $25,000 per person and $50,000 per accident. The minimum limit for PD liability is $25,000 per accident.
Does Connecticut require car insurance to cover glass?
Glass coverage is available as optional insurance in Connecticut. Comprehensive coverage, which usually comes with a deductible, covers most glass breakage. Full glass insurance covers broken safety glass with no deductible.
Methodology
In our analysis of Connecticut car insurance rates, we obtained non-binding quotes for a typical driver from the state’s 10 most populated cities through Quadrant Information Services. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
Minimum-coverage insurance rates are based on a policy meeting Connecticut’s minimum requirements for liability and uninsured/underinsured motorist coverage.
Full-coverage policies meet the minimum requirements for uninsured/underinsured motorist coverage and have the following additional coverages, limits and deductibles:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 deductible for collision coverage
- $500 deductible for comprehensive coverage
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