Connecticut Auto Insurance (2024)
Connecticut auto insurance rates average $128/mo. However, you'll only pay $66/mo for minimum Connecticut liability auto insurance requirements. The cheapest Connecticut auto insurance companies are Geico, Travelers, and State Farm. Below, we'll help you find the best car insurance prices in Connecticut.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Connecticut full coverage auto insurance rates are 8% higher than the national average
- Geico, Travelers, and State Farm tend to offer much lower rates than other insurance companies in Connecticut
- You must meet Connecticut auto insurance requirements of 25/50/25 in liability and 25/50 in uninsured motorist coverage to drive legally
Connecticut auto insurance is usually a little higher than the national average at about $128 monthly. At 8% higher, comparing quotes with multiple companies is vital to find affordable car insurance coverage in Connecticut.
Geico auto insurance, Travelers, and State Farm have the cheapest rates in Connecticut, but many factors affect your unique CT car insurance quotes. For example, young drivers, people with a DUI, and drivers with low credit scores might find cheaper Connecticut insurance rates with companies such as Geico.
Below, you can learn more about Connecticut auto insurance, including the best auto insurance companies offering the cheapest rates in CT and the state’s car insurance laws and requirements. Then, insert your ZIP code above to compare Connecticut insurance quotes for the lowest prices possible.
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Cheapest Auto Insurance Companies in Connecticut
While Connecticut insurance rates typically costs more than the national average, the exact amount you’ll pay depends on your unique circumstances. CT insurance companies usually look at the following factors:
- Age: Average auto insurance rates by age vary. Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time. So, teens will pay higher Connecticut auto insurance rates.
- Claims history: If you’ve filed multiple claims, you’ll have higher Connecticut car insurance rates.
- Credit score: You might be wondering how credit scores affect auto insurance rates. Drivers with lower credit scores are more likely to file claims or miss payments. So, they’ll pay higher rates. Some states, such as California, Hawaii, Massachusetts, and Michigan ban companies from checking credit scores.
- Driving history: Traffic tickets, accidents, DUIs, and other similar charges will raise rates. Auto insurance companies check your driving record to determine rates.
- Gender: Male vs. female auto insurance rates vary. Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
- Vehicle model and make: When setting rates, Connecticut auto insurance companies consider safety ratings, crash statistics, and the vehicle type. So, it’s essential to compare auto insurance rates by vehicle make and model to get affordable Connecticut auto insurance costs.
- Location: Auto insurance rates by ZIP code vary based on factors like weather, crime rates, living costs, and other factors. However, California and Michigan prohibit insurers from using ZIP codes to calculate rates.
- Commute distance: If you drive more, you statistically increase your chances of an accident. Therefore, those who drive more than average receive higher Connecticut car insurance rates.
You can find the cheapest car insurance in CT with companies such as Geico, Travelers auto insurance, and State Farm. However, you might find more affordable Connecticut insurance rates with other companies, so shopping around is essential.
Connecticut Auto Insurance Rates for Minimum Coverage Requirements
Before driving on a Connecticut road or registering a car, you must get Connecticut’s minimum auto insurance requirements. Every state’s minimum auto insurance requirements vary, and Connecticut’s requirements include:
- Bodily injury: $25,000 per person
- Bodily injury: $50,000 per accident
- Property damage: $25,000 per accident
- Uninsured/underinsured motorist bodily injury: $25,000 per person
- Uninsured/underinsured motorist bodily injury: $50,000 per accident
Buying insurance to follow Connecticut car insurance laws is your cheapest option for coverage. Minimum liability auto insurance in Connecticut averages $66 monthly, but rates vary by company.
Liability Auto Insurance Average Rates From Top Providers
Insurance Company Monthly Rates
Allstate $160
American Family $117
Auto-Owners $87
Farmers $139
Geico $80
Liberty Mutual $174
Nationwide $115
Progressive $105
State Farm $86
Travelers $99
USAA $59
U.S. Average $119
When it comes to minimum auto insurance coverage in Connecticut, USAA auto insurance and Geico offer far cheaper rates than competitors. Unfortunately, USAA has strict eligibility requirements — only active or retired military or their family qualify for coverage. However, if you qualify, USAA offers cheap auto insurance for military and veterans.
While minimum coverage is your cheapest option, it comes with a risk. Your car won’t have any protection, meaning you’ll have to pay for repairs out of pocket if you get in an accident.
Connecticut Auto Insurance Rates for Full Coverage
Full coverage auto insurance refers to a suite of insurance products, including liability, comprehensive auto insurance, collision auto insurance, uninsured/underinsured motorist, and either personal injury protection auto insurance or medical payments. Connecticut doesn’t require full coverage insurance, but you might need it if you have a car loan or lease.
Full Coverage Auto Insurance Rates From Top Providers
Insurance Company Monthly Rates
Allstate $160
American Family $117
Auto-Owners $33
Farmers $87
Geico $80
Liberty Mutual $174
Nationwide $115
Progressive $105
State Farm $86
Travelers $99
USAA $59
U.S. Average $119
Once again, Geico and USAA dominate full coverage auto insurance rates in Connecticut, with State Farm auto insurance coming in a close third.
Drivers looking for more protection can usually purchase add-ons for their policy. Popular auto insurance add-ons in Connecticut include:
- Roadside assistance
- Rental reimbursement
- Gap coverage
- Custom parts and equipment coverage
- Rideshare auto insurance
While adding coverage to your policy better protects your vehicle, it also increases your CT car insurance rates. So while it’s tempting to add as much coverage as possible, you should only buy what you need to keep Connecticut auto insurance costs down.
Connecticut Auto Insurance Rates by Age
Insurance companies look at various factors to determine your rates, and one of the most significant is your age. Auto insurance for teens is very expensive because they’re statistically more likely to file claims.
Check below to see how much Connecticut car insurance costs by age:
Auto Insurance Monthly Rates by Age and Gender
| Driver | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm |
|---|---|---|---|---|---|---|---|---|
| 30-Year-Old Male | $177 | $137 | $160 | $87 | $200 | $136 | $136 | $103 |
| 30-Year-Old Female | $168 | $116 | $154 | $90 | $174 | $124 | $131 | $94 |
| 45-Year-Old Male | $160 | $117 | $133 | $80 | $174 | $115 | $105 | $86 |
| 45-Year-Old Female | $162 | $115 | $134 | $80 | $171 | $113 | $112 | $86 |
| 55-Year-Old Male | $152 | $111 | $126 | $76 | $165 | $109 | $100 | $82 |
| 55-Year-Old Female | $153 | $109 | $127 | $76 | $162 | $107 | $106 | $82 |
While 18-year-olds typically pay about $3,000 more per year than older drivers, Connecticut car insurance rates start to decrease around 25.
Connecticut Auto Insurance Rates for Married Couples
Most insurance companies offer a discount for married couples because married people file fewer claims. Both partners must be listed on the policy to be eligible, but the savings can be significant.
Auto Insurance Monthly Rates by Marital Status and Age
| Insurance Company | Single 17-Year-Old | Single 25-Year-Old | Single 30-Year-Old | Married 35-Year-Old | Married 40-Year-Old | Married 60-Year-Old |
|---|---|---|---|---|---|---|
| Allstate | $874 | $246 | $324 | $228 | $192 | $209 |
| Depositors | $470 | $246 | $278 | $232 | $201 | $211 |
| Farmers | $699 | $240 | $320 | $220 | $240 | $199 |
| Geico | $577 | $203 | $255 | $237 | $216 | $231 |
| Mid-Century | $616 | $251 | $289 | $230 | $203 | $205 |
| Nationwide | $615 | $225 | $290 | $210 | $220 | $205 |
| Progressive | $629 | $304 | $310 | $269 | $248 | $242 |
| Safeco | $172 | $102 | $115 | $85 | $98 | $83 |
| State Farm | $401 | $148 | $176 | $137 | $132 | $120 |
| USAA | $342 | $134 | $152 | $107 | $118 | $95 |
State Farm and Travelers offer low Connecticut car insurance prices for married people, though you might find more affordable rates with another company based on your unique situation. Always shop around to find the best auto insurance companies for married couples.
Connecticut Auto Insurance Rates by Credit Score
Another important factor insurance companies look at when determining your rates is your credit score. While some states ban using credit scores as a factor in car insurance, Connecticut allows it.
Average Connecticut auto insurance quotes for people with low credit scores are 43% higher than for drivers with better scores. Therefore, choosing the right company when your credit score is low is vital in finding low rates.
Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
Although State Farm often offers the cheapest car insurance in CT, it’s usually less forgiving of low credit scores. Instead, Travelers and Geico have some of the lowest rates.
While you’ll pay more for insurance with a low credit score, increasing your score can help lower your Connecticut car insurance price.
Connecticut Auto Insurance Rates After an Accident
Auto insurance companies in Connecticut determine your rates by the likelihood that you’ll file a claim. Drivers with an at-fault accident are statistically more likely to file another claim in the future, which is why auto insurance for drivers with accidents is more expensive.
Teens are especially susceptible to rate increases after an accident, but all drivers will see their CT car insurance costs rise. Look below to see how an at-fault accident might affect your Connecticut auto insurance rates:
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
Geico and Travelers offer some of the lowest rates for adult drivers after an accident. While an at-fault accident will raise your Connecticut auto insurance rates, you won’t be stuck with high prices forever. If you keep your driving record clean, your rates usually decrease after three years.
Connecticut Auto Insurance Rates After a Ticket
Whether you’re running late to an appointment or there’s an emergency at home, nearly every driver has sped once or twice. Unfortunately, a speeding ticket can increase your auto insurance rates.
On average, Connecticut car insurance rates cost $149 monthly after a speeding ticket, a 16% increase. However, your actual Connecticut auto insurance price depends on the company.
Full Coverage Auto Insurance Monthly Rates: One Ticket vs. Clean Record
| Insurance Company | One Ticket | Clean Record |
|---|---|---|
| AAA | $108 | $180 |
| Allstate | $188 | $166 |
| American Family | $136 | $116 |
| Farmers | $173 | $140 |
| Geico | $106 | $95 |
| Hartford | $136 | $175 |
| Liberty Mutual | $212 | $177 |
| Nationwide | $137 | $140 |
| Progressive | $140 | $120 |
| State Farm | $96 | $105 |
| Travelers | $134 | $160 |
| U.S. Average | $147 | $123 |
Geico offers the cheapest car insurance in Connecticut after a speeding ticket. Like an at-fault accident, your rates will gradually return to normal if you avoid adding more citations to your driving record.
Connecticut Auto Insurance Rates After a DUI
Of all the incidents that can raise your insurance rates, DUIs have one of the largest impacts. Connecticut drivers face steep fines, license suspension, and jail time after a DUI, with the consequences much harsher for repeat offenders.
Insurance companies drastically increase rates after a DUI, with some refusing service. You’ll need to find high-risk auto insurance if you get denied insurance because of a DUI. Even if you don’t need high-risk insurance, your rates will still be much higher.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
Travelers offers the most affordable auto insurance for drivers with a DUI on their record, but comparing quotes with multiple companies is vital. Even if you already have insurance, shopping for new coverage might save you thousands.
Cheapest Auto Insurance in Connecticut by City
When looking for cheap car insurance in Connecticut, your location plays a crucial role in your rates.
Consider the average price in Connecticut’s largest cities to get an idea of how important your ZIP code is in your rates. While rates vary, a general rule of thumb is that bigger cities have higher insurance rates.
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For example, finding cheap car insurance in Bridgeport is more challenging than in a smaller town like Willington.
However, size isn’t the only factor. While Bridgeport has the largest population in Connecticut, auto insurance in Hartford, CT, tends to be the most expensive. Compare Bridgeport auto insurance rates.
Find the Best Auto Insurance Rates in Connecticut
While auto insurance in CT tends to be a little more expensive than the national average, drivers in the Constitution State can find affordable car insurance coverage. Geico, Travelers, and State Farm tend to offer the lowest car insurance quotes in Connecticut, but you might find a more affordable company for your unique circumstances.
No matter your situation, the best way to find low car insurance rates in Connecticut is to compare quotes with as many companies as possible.
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Frequently Asked Questions
How much is car insurance in CT per month?
Connecticut auto insurance rates cost around $128 monthly for full coverage, or $66 monthly for liability.
Is car insurance more expensive in CT?
The average car insurance rates in Connecticut are about 8% more expensive than the national average.
Is Connecticut a no-fault state for insurance?
No, Connecticut isn’t a no-fault auto insurance state. However, before 1995, Connecticut auto insurance laws made it a no-fault state.
What auto insurance is required in Connecticut?
Connecticut liability car insurance requirements include $25,000 of bodily injury per person, $50,000 of bodily injury per accident, and $25,000 of property damage per accident. In addition, to meet Connecticut car insurance laws, you must carry $25,000 of uninsured/underinsured motorist coverage per person and $50,000 per accident.
What is the cheapest car insurance in Connecticut?
Geico, Travelers, and State Farm offer the lowest auto insurance rates in CT.
Is Connecticut insurance cheaper than New York?
Connecticut auto insurance averages $128 monthly, while it’s $144 in New York. New York has higher auto insurance requirements, more traffic, and strict DUI laws, leading to higher car insurance rates than Connecticut.
Is it illegal to drive in CT without insurance?
Yes, the state requires all drivers to carry minimum liability coverage to legally operate a vehicle. Minimum liability coverage in Connecticut includes bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.
Driving without auto insurance in Connecticut is a class C misdemeanor punishable of fines up to $500 or imprisonment of up to three months.
Are there additional coverage options beyond the minimum requirements in Connecticut?
Yes, alongside minimum liability coverage, drivers in Connecticut can purchase additional coverage to enhance their protection.
Some common additional coverage options include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage on auto insurance. These optional Connecticut auto insurance coverages provide added financial protection in various scenarios.
Are there any specific auto insurance requirements for leased or financed vehicles in Connecticut?
If you lease or finance a vehicle in Connecticut, your leasing or financing agreement may require you to carry certain types of auto insurance coverage, such as collision and comprehensive coverage with specific deductible amounts.
It’s important to review your lease or finance agreement and consult with your Connecticut auto insurance company to ensure you meet the requirements.
What factors can affect auto insurance rates in Connecticut?
Several factors can impact auto insurance rates in Connecticut, including your driving history, age, gender, location, vehicle make and model, annual mileage, and credit history.
Additionally, the coverage options you choose and any applicable discounts can also affect your Connecticut auto insurance premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.