Best Auto Insurance Rates in Connecticut

On average, your neighbors pay $112 a month.

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Cheap Car Insurance in Connecticut

Connecticut drivers pay an average $1,346 a year, or $112 a month, for minimum-coverage car insurance. That's 29% higher than the national average of $87 a month. In comparison, State Farm offers the lowest average rates among the biggest car insurance providers in Connecticut. The company's average monthly rates are $59 for minimum coverage and $103 for full coverage.

Given Connecticut's high auto insurance rates, it's in your best interest to compare quotes along with customer service trends and policy offerings from many insurers. This article compares Connecticut's biggest car insurance companies to help you make your choice.

We'll cover:

How much is car insurance in Connecticut?

In Connecticut, drivers pay an average $112 a month for the minimum liability auto insurance required by state law. For full-coverage-auto-insurance — liability coverage plus collision and comprehensive coverages — Connecticut drivers pay an average $210 a month.

Cost of car insurance in Connecticut
Region Minimum-coverage Full-coverage
U.S. $87 $178
Connecticut $112 $210
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Best, cheapest car insurance companies in Connecticut

We looked at the nine most popular auto insurance companies operating in Connecticut and compared their average quotes for both minimum and full coverage. This is what we found:

Cheapest minimum-coverage car insurance rates in Connecticut
Company Average monthly rate
State Farm $59
Travelers $62
USAA $69
Allstate $101
Geico $101
Nationwide $105
State average $112
MetLife $133
Progressive $165
Amica $215
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Cheapest full-coverage car insurance rates in Connecticut
Company Average monthly rate
State Farm $103
Travelers $121
USAA $136
Nationwide $178
Geico $189
State average $210
MetLife $218
Allstate $230
Progressive $309
Amica $410
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Get car insurance quotes from Connecticut's cheapest insurers

For both minimum and full coverage, State Farm has the cheapest average rates, followed by Travelers and USAA. Here's what we learned about Connecticut's best, cheapest car insurance companies:

State Farm: cheapest rates and best for teen drivers

At average monthly rates of $59 for minimum coverage and $103 for full coverage, State Farm has the cheapest average premiums in Connecticut. The company's average price for minimum coverage is 47% less than the state average of $112 a month, and its full-coverage rate is 51% less than the state average.

State Farm car insurance rates
  Minimum-coverage Full-coverage
U.S. $87 $178
Connecticut $112 $210
State Farm $59 $103
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Additionally, State Farm has the cheapest rates for teen drivers in Connecticut. Teen drivers are the most high-risk demographic for auto insurance companies due to lack of driving experience — and their premiums reflect it. The table below shows the average rates for minimum and full-coverage auto insurance for teens in Connecticut compared to State Farm's rates in the state.

State Farm's minimum-coverage rates for teens in Connecticut
Age Average monthly rate, Connecticut Average monthly rate, State Farm
16 $678 $237
17 $553 $206
18 $453 $178
19 $306 $153
20 $269 $132
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
State Farm's full-coverage rates for teens in Connecticut
Age Average monthly rate, Connecticut Average monthly rate, State Farm
16 $1,194 $412
17 $994 $360
18 $843 $313
19 $582 $272
20 $521 $236
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Furthermore, State Farm is notable for its customer retention. In J.D. Power's 2021 Customer Satisfaction Index for auto insurance companies in the New England region, State Farm received a rating of 855 out of 1,000. That's well above the regional average of 828.

Travelers: second-cheapest rates and best discounts

Travelers auto insurance policyholders in Connecticut pay an average $62 a month for minimum coverage and $121 for full coverage. These rates are well below both national and state average rates.

Travelers car insurance rates
  Minimum-coverage Full-coverage
U.S. $87 $178
Connecticut $112 $210
Travelers $62 $121
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Travelers also has a wide range of auto insurance discounts to help you save even more money. Discounts include:

  • New car discount: if the car you're insuring is three years old or less, you could save 10% off of your auto insurance premium.
  • Early quote discount: if you get a Travelers' car insurance policy before your current coverage ends, you can save 3% to10%.
  • Bundling: you can save up to 13% on your car insurance if you bundle it with a Travelers' home or renters policy.
  • Continuous coverage discount: if you haven't had a lapse in car insurance coverage, you can get a discount of up to 15%.

These are only a few of the discounts that Travelers offers. Talk with a Travelers' agent and ask about all the discounts you qualify for.

USAA: third-cheapest rates and best for military

USAA comes in third for cheapest car insurance in Connecticut, at an average $69 a month for minimum coverage and $136 for full coverage.

USAA car insurance rates
  Minimum-coverage Full-coverage
U.S. $87 $178
Connecticut $112 $210
USAA $69 $136
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

USAA is often considered the best of the best among insurance companies. In the 2021 J.D. Power Customer Satisfaction Index for auto insurance companies in New England, the company has a ranking of 887 out of 1,000.

USAA has one potential downside: it only sells car insurance and other products to current and retired military members and their families. However, that's great for those enlisted in the Armed Forces. On top of low rates and excellent customer satisfaction, USAA offers car insurance coverage if you're stationed overseas, vehicle storage discounts and on-base insurance discounts.

Minimum car insurance limits in Connecticut

Connecticut state law requires drivers to carry these minimum auto insurance coverage limits:

  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability coverage per accident: $25,000

Furthermore, Connecticut drivers are required to carry the following uninsured/underinsured motorist coverage limits:

  • Uninsured/underinsured motorist coverage per person: $25,000
  • Uninsured/underinsured motorist coverage per accident: $25,000

While the above minimum limits may seem sufficient, keep in mind how costly a long court case or extended hospital stay can be after an accident. These minimum limits can be reached quickly, and when they're hit, all other costs come out of your pocket. In order to maintain your finances and peace of mind, we recommend:

  • Bodily injury liability coverage per person: $100,000
  • Bodily injury liability coverage per accident: $300,000
  • Property damage liability coverage per accident: $100,000

Methodology

We used Quadrant Information Services to generate thousands of car insurance quotes from every ZIP code in Connecticut from the following providers:

  • Allstate
  • Amica
  • Geico
  • MetLife
  • Nationwide
  • Progressive
  • State Farm
  • Travelers
  • USAA

Our sample car used to generate quotes was a 2012 Honda Accord LX with an annual 13,500 miles and a 35-year-old male driver with a clean driving record using the following full liability policy coverage limits that meet Connecticut minimum liability limits:

  • $100,000/$300,000 bodily injury liability per person/per accident
  • $100,000 property damage liability
  • $500 collision and comprehensive deductible

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