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Cheapest car insurance in Connecticut for 2023

According to Bankrate’s analysis, Geico and Amica offer some of the cheapest car insurance in Connecticut.

Updated Mar 27, 2023
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The cheapest car insurance companies in Connecticut

To find cheap car insurance companies in Connecticut that also have good service, we analyzed a number of factors, including average rate data from Quadrant Information Services. We also weighed third-party customer satisfaction ratings from J.D. Power and financial strength ratings from AM Best to determine the companies listed below.

Cheapest company for full coverage

Company Average annual full coverage rates Bankrate Score
Geico $1,096 4.4

Cheapest company for minimum coverage

Company Average annual full coverage rates Bankrate Score
Amica *$401 4.4

Cheapest company for adding a teen driver

Company Average annual full coverage rates Bankrate Score
Electric Insurance $1,425 2.4

Cheapest company for getting a speeding ticket

Company Average annual full coverage rates Bankrate Score
Geico $1,152 4.4

Cheapest company for being in an at-fault accident

Company Average annual full coverage rates Bankrate Score
Amica $1,384 4.4

Cheapest company after a high-risk incident

Company Average annual full coverage rates Bankrate Score
Progressive $1,392 4.2

The cheapest car insurance companies in Connecticut by coverage level

Most states require that drivers carry a minimum coverage amount of auto insurance. Still, while the minimum coverage can be a good idea for obtaining cheap Connecticut car insurance, it’s not uncommon for drivers to opt for full coverage car insurance to be better protected financially. Minimum coverage may leave you liable for the other party’s excess costs in an at-fault accident if the damages exceed your coverage limits, and it is not designed to pay for the damages that occur to your own vehicle. Full coverage can offer more protection, but it costs more on average.

Amica
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
Average monthly minimum coverage premium
$33
Average annual minimum coverage premium
$401
Annual savings vs. State average*
- $219
Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
Average monthly minimum coverage premium
$34
Average annual minimum coverage premium
$404
Annual savings vs. State average*
- $216
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
Average monthly minimum coverage premium
$37
Average annual minimum coverage premium
$443
Annual savings vs. State average*
- $177
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
Average monthly minimum coverage premium
$41
Average annual minimum coverage premium
$487
Annual savings vs. State average*
- $133
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average monthly minimum coverage premium
$41
Average annual minimum coverage premium
$495
Annual savings vs. State average*
- $125
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

*Based on policies with minimum coverage for 2023

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
Average monthly full coverage premium
$91
Average annual full coverage premium
$1,096
Annual savings vs. State average*
- $457
Amica
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
Average monthly full coverage premium
$94
Average annual full coverage premium
$1,126
Annual savings vs. State average*
- $427
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
Average monthly full coverage premium
$102
Average annual full coverage premium
$1,225
Annual savings vs. State average*
- $328
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
Average monthly full coverage premium
$110
Average annual full coverage premium
$1,317
Annual savings vs. State average*
- $236
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
Average monthly full coverage premium
$114
Average annual full coverage premium
$1,362
Annual savings vs. State average*
- $191
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

*Based on policies with full coverage for 2023

Cheapest cities in Connecticut for car insurance

Minimum coverage premiums may differ from city to city, as different ZIP codes will impact your rates differently. Factors that can impact the cost of your car insurance include the city’s cost of living, weather patterns, road conditions, repair costs and crime rates. Based on our analysis of average rate data, the cheapest cities on average for minimum coverage low-cost car insurance in Connecticut are listed below.

City City average annual minimum coverage premium Cheapest car insurance company Company average annual minimum coverage premium
East Killingly $532 Amica $333
East Woodstock $532 Amica $333
Quinebaug $533 Amica $333
Fabyan $533 Geico $339
Oneco $533 Amica $333
City City average annual full coverage premium Cheapest car insurance company Company average annual full coverage premium
Plainville $1,429 Amica $958
Brooklyn $1,432 Geico $1,045
Rogers $1,432 Amica $954
Abington $1,433 Geico $1,045
Staffordville $1,434 Amica $954

Factors that impact cheap rates in Connecticut

Several variables can impact car insurance rates in Connecticut. From driving records to ZIP code and vehicle make and model, auto insurance rates are highly dependent on a number of factors, both personal and otherwise. Below are several hypothetical scenarios that could impact your rates in Connecticut.

Insuring a teen driver

Teen drivers are inexperienced behind the wheel, which makes them statistically more likely to be involved in an accident or other driving incident. In turn, insurance companies charge higher average rates for teen drivers to compensate for the added risk. However, rates tend to decline on average as drivers age and get more experience behind the wheel. In addition, many companies offer student discounts, which could help you save money if you need to add a teen driver to your policy.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Electric Insurance $845 $1,425
Amica $923 $2,795
Geico $845 $2,555
Nationwide $1,103 $2,084
Progressive $1,135 $2,564

Getting a speeding ticket

If you have a speeding ticket conviction on your driving record, you’ll likely see an increase in your Connecticut car insurance rates for at least three to five years, depending on your insurance company. However, many insurance carriers offer discounts to drivers who participate in a telematics program and demonstrate safe driving habits. Keep in mind, however, that some of these programs could also increase your rates if you practice unsafe driving habits. Some of the cheapest companies in Connecticut for drivers convicted of a speeding ticket are outlined in the table below.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Geico $424 $1,152
Amica $473 $1,355
USAA $511 $1,525
Progressive $583 $1,519
Allstate $609 $2,797

Getting into an at-fault accident

If you are involved in an at-fault car accident, your car insurance premiums may increase significantly when your policy renews. On average, a driver’s full coverage car insurance increases by $750 per year after an accident, but the increase can vary significantly based on the car insurance company and other factors. The cheapest car insurance companies for Connecticut drivers who have at-fault accidents on their record are listed on the table below.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Amica $482 $1,384
Geico $519 $1,409
Travelers $579 $1,520
USAA $668 $1,957
State Farm $682 $1,756

Being deemed a high-risk driver

If you have certain types of blemishes on your driving record, like a conviction for driving under the influence, you may be considered a high-risk driver by car insurance companies. In general, DUI convictions tend to result in the highest rate increases of high-risk infractions, which could mean paying a lot more than average for the cost of your car insurance. And, in some cases, high-risk drivers may need to be insured with a provider specializing in high-risk car insurance. It’s also worth noting that while the average rates for drivers in Connecticut with one DUI conviction on their records are outlined below, it is not a guarantee that these car insurance companies will issue a car insurance policy to drivers with DUIs on their records.

Car insurance company Average annual minimum coverage premium Average annual full coverage premium
Progressive $566 $1,392
Allstate $696 $3,034
State Farm $802 $2,056
Travelers $876 $2,322
USAA $969 $2,774

Minimum coverage requirements for Connecticut drivers

Nearly every state in the nation has minimum car insurance coverage requirements that drivers must meet to drive legally. Connecticut’s minimum car insurance liability requirements include:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

In addition, Connecticut also mandates that drivers hold uninsured and underinsured motorist insurance with limits that match those required for liability coverage. Exact limits can be found on the State of Connecticut’s Insurance Department website. If you’re caught driving without insurance in Connecticut, you may face fines or other consequences.

While it’s legal to drive with the minimum amount of insurance required, most insurance experts advise drivers to consider a policy with higher coverage limits or more types of coverage. For example, full coverage car insurance is designed to also cover the damages to your vehicle when you cause an at-fault accident and will likely better protect your finances if you cause an accident.

How to get the cheapest car insurance in Connecticut

Keep track of available discounts

Discounts can go a long way toward maintaining cheap car insurance Connecticut. By reviewing your insurers’ available discounts, you can see which ones you might be eligible for. Inquire about  the ones you meet the criteria for and see if you can work towards meeting the eligibility requirements for more.

Practice safe driving habits

One of the best ways to get the cheapest car insurance in Connecticut is to maintain a clean driving record and keep your number of claims down. The safer you drive, the less likely you are to be at-fault for an accident or to commit a traffic violation.

Compare quotes from multiple insurance providers

Compare quotes from multiple insurance providers: Shopping around with multiple providers and comparing their rates is one of the best ways to keep your car insurance rates low. Especially if you’ve had a recent life change such as adding a teen to your policy or getting a ticket, you may want to see if another insurance company offers you better rates.

Car insurance discounts in Connecticut

If you’re wondering how to save on car insurance in Connecticut, keeping track of available discounts can be a great way to save money on premiums. However, discounts vary between companies by availability, eligibility, and savings. Some of the more common Connecticut car insurance savings possibilities are listed below:

  • Young driver discounts: Some companies will offer discounts for young drivers to help offset their high rates.
  • Safe driver discounts: Companies often offer discounts to drivers who have clean driving records or who complete defensive driving courses.
  • Multi-vehicle discounts: Insuring more than one vehicle through your insurer may net you a discount on both policies.
  • Bundling discounts: Bundling two or more types of insurance together, like home and auto, by purchasing them from one company can often lead to a bundling discount.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Connecticut, D.C. Rates are weighted based on the population density in each geographic region. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Scores

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. PowerAM Best and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Written by
Joshua Cox-Steib
Insurance Contributor

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute