Connecticut Auto Insurance (2023)

As the third-smallest state by size, Connecticut drivers usually pay a little more for insurance than the national average. At 8% higher, comparing quotes with multiple companies is vital to find affordable coverage in Connecticut.

State Farm and Travelers have the cheapest rates in Connecticut, but many factors affect your unique quotes. For example, young drivers, people with a DUI, and drivers with low credit scores might find cheaper rates with companies like Geico.

Read on to learn about Connecticut auto insurance and which companies might offer you the lowest rates. Then compare quotes to find the lowest prices possible.

Which companies have the cheapest car insurance in Connecticut?

Although Connecticut insurance typically costs more than the national average, the exact amount you’ll pay depends on your unique circumstances. Insurance companies usually look at the following factors:

• Age. Age is a factor regarding auto insurance rates. Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time.
• Claims history. If you’ve filed multiple claims, you’ll have higher insurance rates. 
• Credit score. Credit scores affect your rates as well. Drivers with lower credit scores are more likely to file claims or miss payments. So, they’ll pay higher rates. However, California, Hawaii, Massachusetts, and Michigan insurance companies can’t use credit scores as a factor. Some states, however, 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. Auto insurance rates are different for men and women drivers. 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.
• Marital status and homeownership. Being married and owning a home are signs of responsibility, so it’s assumed that married homeowners carry less risk. Homeowners can bundle multiple auto and homeowners policies, leading to major savings. 
• Level of education. Like marital status and homeownership, the assumption is that people with higher education levels are also more responsible. However, education level only minimally impacts rates.
• Vehicle model and make. When setting rates, insurance companies consider safety ratings, crash statistics, and the vehicle’s overall expense.
• ZIP code. Where you live impacts your rates based on weather, crime rates, living costs, and similar factors. The exception is California and Michigan, where using ZIP codes to calculate rates is prohibited.

Commute distance. If you drive more, you statistically increase your chances of an accident. Therefore, those who drive more than average receive higher rates.

Connecticut’s cheapest overall insurance company is State Farm, with Travelers as a close second. However, you might find more affordable insurance rates with other companies, so shopping around is essential.

Connecticut Car Insurance Rates by Minimum Coverage

Before driving on a Connecticut road or registering a car, you must buy a specific amount of car insurance. Every state’s minimum coverage requirements vary, and Connecticut’s requirements are as follows:

• 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 meet Connecticut’s minimum requirements is your cheapest option for coverage. The average price for minimum insurance in Connecticut is around $900, but rates vary by company.

When it comes to minimum auto insurance coverage in Connecticut, USAA and Geico offer far cheaper rates than competitors. However, USAA has strict eligibility requirements — only active or retired military or their family qualify for coverage.

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 Car Insurance Rates by Full Coverage

Full coverage auto insurance refers to a suite of insurance products, including liability, comprehensive, collision, uninsured/underinsured motorist, and either personal injury protection or medical payments. Connecticut doesn’t require full coverage insurance, but you might need it if you have a car loan or lease.

The average full coverage rate is nearly double the state minimum costs, but the extra protection is usually worth it.

Although Geico and USAA dominate minimum insurance, State Farm offers the lowest average full coverage rates. Another affordable option is Travelers, with rates similar to State Farm.

Drivers looking for more protection can usually purchase add-ons for their policy. Popular add-ons in Connecticut include:

• Roadside assistance
• Rental reimbursement
• GAP coverage
• Custom parts and equipment coverage

While adding coverage to your policy better protects your vehicle, it also increases your insurance rates. So while it’s tempting to add as much coverage as possible, you should only buy what you need to keep costs down.

Connecticut Car Insurance Rates by Age

Insurance companies look at various factors to determine your rates, and one of the most significant is your age. Young, inexperienced drivers pay some of the highest rates for insurance because they’re statistically more likely to file claims.

Check below to see how much Connecticut car insurance costs by age.

In this category, State Farm offers the lowest rates again, with other companies looking less favorably on young drivers. Although 18-year-olds typically pay about $3,000 more per year than older drivers, rates start to decrease around 25.

Connecticut Car 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.

State Farm and Travelers offer low rates for married people, though you might find more affordable rates with another company based on your unique situation.

Connecticut Car 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.

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 rates.

Connecticut Car Insurance Rates After an Accident

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 you’ll see higher rates.

Teens are especially susceptible to rate increases after an accident, but all drivers will see their insurance costs rise. Look below to see how an at-fault accident might affect your rates.

State Farm and Travelers offer some of the lowest rates for adult drivers after an accident. State Farm is also one of the best bets for teens after an accident, with average rates more than $100 lower than the next cheapest option.

While an at-fault accident will raise your 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 Car 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.

Connecticut car insurance rates tend to increase by about 15% after a speeding ticket, though the actual price you’ll pay depends on the company.

State Farm and Travelers are once again 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 Car 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 insurance if you’re denied insurance because of a DUI. Even if you don’t need high-risk insurance, your rates will still be much higher.

Travelers offers the most affordable insurance rates 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.

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Which cities in Connecticut have the cheapest car insurance?

Connecticut is a quintessential New England state, from small country towns to beautiful coastal cities. 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. Although rates vary, a general rule of thumb is that bigger cities have higher insurance rates.

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.

Is car insurance getting more expensive in Connecticut?

Overall, car insurance prices in Connecticut seem to be becoming more affordable. While the state sees more rate fluctuations than other states, there have been more price drops in recent years than increases.

There is a great deal of variation between the years. Some years saw dramatic increases, while others lowered rates significantly.

The current trend for car insurance in America is similar to other industries — business costs are rising, and those increased costs get partially passed to customers. So drivers in every state will likely see price hikes soon.

Find the Best Car Insurance in Connecticut

Although auto insurance in Connecticut tends to be a little more expensive than the national average, drivers in the Constitution State can find affordable coverage. State Farm and Travelers 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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