Cheap Car Insurance in Connecticut (2022)

The cheapest car insurance companies in Connecticut: State Farm, $93 a month, and Travelers, $110 a month.

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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.

Cheapest minimum-coverage car insurance
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:

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.

Cheapest full-coverage car insurance
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.

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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.

Cheapest car insurance for drivers with a speeding ticket
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.

Cheapest car insurance for drivers with an accident history
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.

Cheapest car insurance for drivers with a DUI
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.

Cheapest minimum-coverage car insurance for 18-year-olds
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.
Cheapest full-coverage car insurance for 18-year-olds
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.

Cheapest minimum-coverage car insurance for 65-year-olds
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.
Cheapest full-coverage car insurance for 65-year-olds
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.

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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.

Average cost of car insurance by Connecticut city
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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