Connecticut recently experienced an unusual phenomenon — there has been a 50% drop in traffic in the state since the coronavirus pandemic began, yet traffic fatalities have noticeably risen. For the many vehicle owners who are driving less and working from home more, caution — and quality car insurance — are essential. If you are a Connecticut driver searching for car insurance, the average cost of car insurance in Connecticut is $794 for minimum insurance and $1,845 for full coverage.
How much is car insurance in Connecticut?
Car insurance rates in Connecticut vary based on many factors, such as your driving record, what type of coverage you are looking for, your age and vehicle and the carrier you choose. State insurance requirements can also affect the cost of coverage.
While average car insurance rates can give you a sense of what to expect, to get a more accurate amount for you, you would need to get quotes from a few car insurance companies. One thing is sure — Connecticut car insurance rates are typically higher than the national average of $565/$1,674 per year for minimum and full coverage, respectively. Finding cheap car insurance in a high-cost state like Connecticut may be a little trickier than in other places.
Connecticut car insurance rates by company
To demonstrate how much Connecticut auto insurance rates can vary, consider the average cost of coverage from several insurance providers below. The same level of coverage can vary hundreds to thousands of dollars. Switching car insurance to save money on your premiums could be a sensible choice, or you might find that your carrier offers more reasonable rates than you thought.
|Car insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Electric Insurance Company||$890||$1,535|
Connecticut car insurance rates by city
Insurance rates in Connecticut are also different depending on your city. Bankrate collected car insurance quotes for the top 20 cities by population. Among these cities, Manchester residents pay the least for coverage, while Hartford drivers have the highest vehicle insurance premiums in Connecticut (on average).
|City||Average annual premium for full coverage||% increase in average annual premium|
Connecticut car insurance rates by age
Driver age is another significant factor that affects the cost of car insurance in the state. If you refer to the table, the highest premiums are predictably reserved for teen and young drivers. Although Connecticut has restrictions for teen drivers, such as limited driving hours and driving while accompanied by an adult, insurance companies still usually see drivers under the age of 25 as high-risk. Therefore, younger drivers often pay more for car insurance. Rates typically bottom out around age 60 and start to go back up for more elderly drivers.
|Age||Average annual premium in Connecticut|
*16-year-old calculated on parent’s policy disclosure
Connecticut car insurance rates by driving record
Age won’t matter as much if you have a poor driving record. While it is well known that safer drivers pay less for car insurance, some people do not realize that speeding tickets can also raise your insurance rates considerably — even if no accident or DUI was involved. The recent rise in vehicle fatalities (even though traffic is down 50%) is primarily due to speeding. As highways have become less crowded, some drivers are not obeying the speed limit, causing deadly crashes. Car insurance companies are well aware of the increased risk of accidents when drivers speed.
|Driving incident||Average annual full coverage premium in Connecticut||% increase in average annual premium|
How to save on car insurance in Connecticut
Connecticut car insurance rates are higher than average. Finding savings in as many ways as possible could give your budget some relief. Consider the following ways to save on Connecticut auto insurance:
- Choose a carrier with accident forgiveness: Some car insurance companies offer accident forgiveness, which will waive one accident every three to five years. This could keep your premiums from increasing if you should cause an occasional fender-bender.
- Take a defensive driving course: The state provides a list of defensive driving courses available. If you pass one, you could receive at least 5% off your car insurance for two years.
- Bundle home and vehicle insurance: If you rent or own a home and have insurance coverage, adding vehicle insurance with the same provider could net savings on both types of coverage.
- Raise your deductible: Your vehicle’s deductible amount is how much you are responsible for paying before your insurance company pays for the remaining balance of the claim. A typical deductible is $500. Raising it to $1,000 or more could help reduce your car insurance premiums.
Frequently asked questions
How much is car insurance in Connecticut per month?
Based on the average cost of car insurance in Connecticut of $794 for minimum insurance and $1,845 for full coverage, your monthly premiums would be roughly $66 or $154. Keep in mind that your actual premium may vary from the average. You may want to consider speaking with a licensed insurance agent to help find coverage that fits your budget.
How much car insurance do I need in Connecticut?
To legally drive in the state, you will need a minimum amount of liability coverage of 25/50/25 and uninsured/underinsured coverage as follows:
- Bodily injury liability insurance: $25,000 per person and $50,000 per accident
- Property damage liability insurance: $25,000 per accident
- Uninsured/underinsured motorist bodily injury: $25,000 per person and $50,000 per accident
Keep in mind that the state’s minimum requirement may not provide enough financial protection if you are involved in an accident. Liability insurance only pays others for the injuries and damages you cause, up to the limit of your coverage amount. You would be personally responsible for damages to your vehicle or third-party expenses over the limit. Again, speaking with a licensed insurance agent is typically a good approach to ensure that you have the coverage you need.
What are the cheapest car insurance companies in Connecticut?
Bankrate’s analysis of the top insurance companies in the state found that the cheapest car insurance in Connecticut is available from USAA, State Farm, Geico, Amica and Nationwide. USAA is only available to military and close family members, but all other carriers provide most state residents coverage. There could be other providers that offer cheap insurance near you, so it’s a good idea to shop around and compare providers before purchasing a policy.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.