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Average cost of car insurance in Connecticut for 2023
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What To Know First
Connecticut car insurance costs, on average, $620 for minimum coverage and $1,553 for full coverage per year. The Bankrate editorial team — which includes licensed insurance agents — analyzed data from Quadrant Information Services to help Connecticut drivers shop for car insurance and potentially save on coverage. Some of our key findings include:
- While Connecticut minimum coverage is in line with the national average, the full coverage average is almost 23 percent cheaper.
- Although a 20-year-old driver may wish to have their own insurance policy, they save an average of close to 44 percent if they are listed on their parents’ policy.
- Average Connecticut car insurance rates are 26 percent higher with a speeding ticket and 91 percent higher with a DUI.
- Having poor credit in Connecticut increases average car insurance rates by about 89 percent compared to drivers with good credit.
On This Page
- How much is car insurance in Connecticut?
- Connecticut car insurance rates by city
- Average car insurance costs by age and gender in Connecticut
- How does driving record impact the cost of car insurance in Connecticut?
- Car insurance rates in Connecticut by credit tier
- Connecticut car insurance rates by vehicle type
- How to save on car insurance in Connecticut
- Frequently asked questions
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, your vehicle and the carrier you choose. State insurance requirements can also affect the cost of coverage as drivers are required to carry a minimum level of car insurance in the state. For minimum coverage, the average annual cost of car insurance in Connecticut is $620, while full coverage averages $1,553 per year.
While average car insurance rates may give you a sense of what to expect, collecting quotes from different carriers may give you a more accurate idea of your rates based on your driver profile.
| Average minimum coverage premium in Connecticut | Average annual full coverage premium in Connecticut |
|---|---|
| $620 | $1,533 |
Compare auto insurance rates
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Connecticut car insurance rates by city
Connecticut is a relatively small state, but average rates may still vary between cities. Bankrate collected car insurance quotes for five of the state's largest cities to show you how rates may fluctuate. These premium differences may be the result of a variety of factors, including local crime rates, the cost of repairs in the area and regional weather patterns.
| Connecticut city | Average annual full coverage premium | Percentage change from Connecticut average annual full coverage premium |
|---|---|---|
| Danbury | $1,565 | +1% |
| New Britain | $1,740 | +12% |
| Norwalk | $1,557 | +2% |
| Stamford | $1,640 | +6% |
| West Hartford | $1,577 | +2% |
Average car insurance costs by age and gender in Connecticut
Some states prohibit the use of age and gender as insurance rating factors, but not Connecticut. Older drivers generally pay lower insurance rates because they have more experience behind the wheel and lower accident rates. Female drivers also typically pay less for auto insurance than male drivers, as they tend to engage in less risky driving behaviors. Below you can see average rates in Connecticut for male and female drivers across a range of age groups.
| Age | Average monthly full coverage premium in Connecticut | Average annual full coverage premium in Connecticut |
|---|---|---|
| Age 16* | $293 | $3,514 |
| Age 18 | $559 | $6,704 |
| Age 20 | $383 | $4,597 |
| Age 25 | $176 | $2,110 |
| Age 30 | $139 | $1,669 |
| Age 40 | $131 | $1,570 |
| Age 50 | $119 | $1,426 |
| Age 60 | $116 | $1,389 |
| Age 70 | $135 | $1,620 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
| Age | Average monthly full coverage premium in Connecticut | Average annual full coverage premium in Connecticut |
|---|---|---|
| Age 16* | $259 | $3,111 |
| Age 18 | $449 | $5,384 |
| Age 20 | $309 | $3,712 |
| Age 25 | $159 | $1,913 |
| Age 30 | $134 | $1,609 |
| Age 40 | $128 | $1,536 |
| Age 50 | $118 | $1,416 |
| Age 60 | $115 | $1,379 |
| Age 70 | $134 | $1,611 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Cost considerations for young drivers in Connecticut
Young drivers pay some of the highest average rates for auto insurance, but they might save some money if they choose to remain insured on their parents' policy. Staying on a parents’ policy saves 18-year-old drivers an average of 54 percent. Note that some companies may require young drivers to live in the same house as their parents to remain on their policy.
| Age | Average annual premium for drivers on their parents' policy in Connecticut | Average annual premium for drivers on their own policy in Connecticut |
|---|---|---|
| Age 16 | $3,313 | N/A* |
| Age 17 | $3,008 | N/A* |
| Age 18 | $2,760 | $6,044 |
| Age 19 | $2,446 | $4,533 |
| Age 20 | $2,338 | $4,154 |
*16- and 17-year-old drivers must be on their parents’ policy.
How does driving record impact the cost of car insurance in Connecticut?
Drivers with tickets and accidents on their record tend to see a premium surcharge, at least for a few years. The amount your insurance will go up following a ticket or accident typically depends on the carrier and the severity of the incident. For instance, Connecticut drivers with a single speeding ticket see an average rate increase of 26 percent, while those with a DUI may see their rates nearly double.
| Driving incident | Average annual full coverage premium in Connecticut | Percentage increase from Connecticut average annual full coverage premium |
|---|---|---|
| Clean driving record | $1,533 | N/A |
| Speeding ticket | $1,926 | 26% |
| Accident | $2,310 | 51% |
| DUI | $2,923 | 91% |
Car insurance rates in Connecticut by credit tier
Credit score is another factor not all states allow to be used in car insurance rate calculation, but Connecticut does. Improving your credit might provide you with significant savings in the Constitution State, as carriers often view drivers with good credit as less risky to insure. Below you can see how much you might save by moving up in credit tiers.
| Credit tier | Average annual full coverage premium in Connecticut | Percentage change from Connecticut average annual full coverage premium |
|---|---|---|
| Poor | $2,900 | 89% |
| Average | $1,720 | 12% |
| Good | $1,533 | N/A |
| Excellent | $1,261 | -18% |
Connecticut car insurance rates by vehicle type
The make and model of the vehicle you drive is another contributing factor that could affect your cost of car insurance in Connecticut. A vehicle's age, repair costs and risk of theft may all be factored in when determining your rates.
| Vehicle | Average annual full coverage premium in Connecticut |
|---|---|
| Toyota Camry | $1,533 |
| Ford F-150 | $1,387 |
| Honda Odyssey | $1,391 |
| BMW 330i | $1,881 |
| Toyota Prius | $1,606 |
How to save on car insurance in Connecticut
Average Connecticut car insurance rates are below the national average, but many drivers may still be looking for ways to cut costs. Consider the following ways to potentially save on Connecticut auto insurance:
- Shop around: Different carriers weigh rating factors differently when calculating rates. One carrier may be cheapest for drivers with low credit, while another may be more affordable for those with luxury vehicles. Comparing individualized quotes may indicate which company offers the lowest rates for your circumstances.
- Look for relevant discounts: Taking advantage of discounts is one of the easiest ways you might save on your car insurance. Most insurance companies allow you to stack discounts, which could help maximize savings. Discounts vary by company, but common ones include bundling, good student and claims-free.
- Maintain a clean driving record: As discussed above, your driving record plays a role in your insurance rates. Avoiding accidents and tickets may help bring down your rates, even if you don't have a perfect record.
- Choose a carrier with accident forgiveness: Some car insurance companies offer an accident forgiveness endorsement, which could save you from a premium surcharge following your first accident.
- 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. If you have full coverage, you will have a collision deductible and a comprehensive deductible. Adjusting these could bring down your premium, but you may want to consult with a licensed insurance agent to ensure you will be able to pay your higher deductible out of pocket in the event of a claim.