Best Auto Insurance Rates in Connecticut

On average, your neighbors pay $87 a month.

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Are you a Connecticut driver? Here is everything you need to know to find the best car insurance in the Constitution State.

Average Connecticut Car Insurance Rates

How much is auto insurance in Connecticut? Overall, Connecticut drivers pay more than others in the US. The average cost of auto insurance in Connecticut is $1048.56 yearly. This is a big jump from the national average of $889.01.

Your premium will vary based on your driving record, car type, zip code, and claims.

Connecticut (CT) Average Annual Car Insurance Rates
Coverage Rates
Liability $650.94
Collision $368.51
Comprehensive $131.62
Total Cost Per Year $1,048.56
Price Per Month $87.38
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Connecticut insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Connecticut car insurance rates increased from $969 in 2011 to $1,031 in 2015, a jump of $79 dollars, or 8.16 percent.

Connecticut average car insurance rates

When it comes to buying car insurance in Connecticut, finding a policy that fits your needs and budget can be tough. Comparing companies and rates makes things a lot easier.

With QuoteWizard, you can compare quotes from top car insurance companies and discover which one is best for you. All it takes is a few clicks, and you’ll have all the information and help you need!

Last year, 26,989 people used QuoteWizard to compare auto insurance quotes in Connecticut from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Connecticut

Of the 26,989 people from CT that went to QuoteWizard for auto insurance, 2,303 had no current policy. These are the most popular companies amongst Connecticut drivers who used QuoteWizard in the last year.

Top 10 Vehicles in Connecticut

These are the most owned vehicles of Connecticut drivers wanting auto quotes through QuoteWizard last year.

  1. Honda Accord LX/EX
  2. Honda Civic
  3. Nissan Altima 2.5 S
  4. Toyota Camry LE/XL/SE
  5. Ford F150
  6. Jeep Grand Cherokee Laredo
  7. Honda CR-V EX
  8. Ford Ranger
  9. Nissan Maxima GLE/GXE/SE
  10. Acura MDX
  11. Ford Taurus
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best High-Risk Auto Insurance Companies

Best High-Risk Insurance Companies

If your driving or claim history is spotty, insurers may consider you high-risk. It costs more for companies to cover high-risk drivers, and some may even refuse coverage. The Connecticut Automobile Insurance Assign Risk Plan helps drivers get minimum coverage. Check with them to see if you qualify.

These companies offer policies for high-risk drivers in CT:

Best Teen Driver Car Insurance Companies

Insurers consider teens to be higher-risk drivers due to inexperience. As such, teens pay more than most for auto insurance. Between accidents and tickets, teens are an insurance risk.

We found that teenage drivers pay an average of $438 a month for auto insurance. The amount drops to $278 if they're on a parent's plan. This is still a high price. Luckily, many companies offer discounts for students with good grades.

These insurance companies offer good coverage for Connecticut teens:

Connecticut Car Insurance Rate Factors

Connecticut has a higher cost of living and income levels than many other states. Their auto rates reflect this. Another factor at work is Connecticut's uninsured drivers. The III says that 9.4 percent of Connecticut's drivers are uninsured. This affects the average rate for the state overall.

Connecticut Car Insurance Laws

Minimum Car Insurance Requirements in Connecticut

Connecticut requires that drivers have minimum coverage of 25/50/25. This means your policy must cover at least:

  • $25,000 of bodily injury or death of 1 person in any 1 accident
  • $50,000 of bodily injury or death of any 2 people in any 1 accident
  • $25,000 of injury to or destruction of property of others in any 1 accident

There are plans that cover more. But if you want the minimum to stay road legal, get 25/50/25.

Recommended Coverage Levels

If you live in a part of Connecticut with a lot of car thefts, you’re going to see an increase in your auto insurance rates. The only real way to prevent this increase is to secure your car. Taking reasonable steps to make sure your car is as safe as possible helps everyone. Adding comprehensive coverage is a good move, too, as it covers you in case your car is stolen.

You should also look into coverage options that supplement your minimum liability. While minimum liability helps with the damages to the other driver in a crash, it doesn’t cover yours. Also, consider increasing your liability limits. It’s very easy for a serious accident to have a larger price tag than what a minimum policy will cover. We recommend:

  • $100,000 Individual Body Injury Liability 
  • $300,000 Total Bodily Injury Liability 
  • $100,000 Property Damage Liability 

Required Proof of Car Insurance

CT drivers need to show proof of auto insurance to law enforcement if asked. The DMV also requires Proof of insurance when registering or renewing registration.

Your proof of insurance card needs to include the following:

  • Name of insurance company
  • Policy number
  • Name of policy owner or leasing company
  • Effective date and expiration date of policy
  • Year, make, and model of car
  • VIN

Failure to show proof of auto insurance is a traffic infraction. If you can't provide proof of insurance, there's a $50 fine. This may include suspension of car registration and renewing or registering another vehicle.

SR-22 Requirements

Connecticut drivers with a suspended license due to DUI, or other violations must file an SR-22 form. In Connecticut the amount required for proof of financial responsibility is:

  • $20,000 of bodily injury or death of one person in one accident
  • $40,000 of bodily injury or death of any two people in one accident
  • $10,000 of injury or destruction of property of others in one accident

Connecticut state law requires carrying the SR-22 for a minimum of three years. If you don't renew your SR-22 before it expires, the state suspends your license until you have the basic insurance.

Totaled Cars with Rebuilt or Salvage Titles

If you damage your car and the cost to repair it exceeds its cash value, your insurer will deem it a total loss. In Connecticut, they calculate the total loss amount by adding the repair costs to a salvage value.

If the total loss amount is greater than the car's current value, the vehicle receives a salvage title. Once it's repaired, it gets a rebuilt title.

Buying insurance in Connecticut for a salvage or rebuilt car is hard. Some insurers don't cover these titles at all. You can expect to pay higher rates if you do find coverage.

State of Connecticut Traffic Safety Laws

Distracted Driving Laws

Connecticut regulates handheld devices to prevent distracted driving. The state prohibits all drivers from using handheld devices while driving.

Law enforcement can stop you and cite you drive with a phone in hand. The same applies to texting while driving. Driving with a handsfree device is okay

DUI Laws and Penalties

If you drive in CT with a Blood Alcohol Content level of 0.08 percent or more, you're guilty of Driving While Under the Influence (DUI). Depending on how many DUIs you have, you could spend up to three years in jail and pay $8,000 in fines. You can also lose your license.

Regardless, a DUI can increase your rates. We found that drivers with DUIs on their records can expect to pay over $800 more per year for car insurance compared to people with clean records.

Senior Drivers in Connecticut

Car insurance rates tend to increase once a driver turns 65. In Connecticut, all drivers must renew their licenses every six years. Beginning at 79 you must renew your driver's license in person. At 85 you must renew every 2 two years.

Vehicles Registered in Another State

When driving a vehicle registered to another state in Connecticut, you need auto insurance required by that state. You will also need proof of insurance.

Car Insurance Risk in Connecticut

Best and Worst Drivers in Connecticut

Our research shows that Connecticut currently stands as the 19th worst state for drivers in the US. Hartford ranks as the 37th worst city for driving. This rank is based on accidents, speeding tickets, DUI's, and citations.

Traffic Fatalities

In 2016, there were 293 traffic fatalities in Connecticut. That's an eight percent increase from 270 in 2015.

  2012 2013 2014 2015 2016
Total Fatalities 264 286 246 270 293

Vehicle Thefts

In 2016, there were 7,107 vehicle theft reports in Connecticut. This is a 13 percent increase over the 6,110 thefts in 2014.

Top 10 Most Stolen Cars

Driving a commonly stolen vehicle can lead to higher premiums. These are the most commonly stolen cars in Connecticut.

Source: National Insurance Crime Bureau- Hot Wheels Report 2016

  1. 2000 Honda Civic
  2. 1987 Honda Accord
  3. 2015 Nissan Altima
  4. 1998 Nissan Maxima
  5. 2002 Toyota Camry
  6. 1999 Honda CR-V
  7. 2016 Toyota Corolla
  8. 2000 Jeep Cherokee/Grand Cherokee
  9. 2000 Dodge Caravan
  10. 2004 Ford Pickup (Full Size)

Connecticut Insurance Department

Website:
Homepage
Insurance Commissioner:
Katharine L. Wade
Insurance Hotline:
(800) 203 – 3447
Office Hours:
Monday - Friday
8:00 am to 4:30 pm
File a Consumer Insurance Complaint
Complaint Page

Sources:

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