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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.
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What To Know First
To find the best cheap car insurance in Connecticut, Bankrate compared average car insurance costs for companies based on rate data from Quadrant Information Services. Our team, which includes three licensed insurance agents, also compared coverage options, availability, financial strength, customer satisfaction and more. Of the companies reviewed, Geico and Amica offer the cheapest average annual rates in Connecticut. Likewise, East Killingly and East Woodstock had the lowest average rates amongst Connecticut cities for minimum coverage.
- Cheapest company for minimum coverage: Amica
- Cheapest company for full coverage: Geico
- Cheapest company for adding a teen driver: Electric Insurance
- Cheapest company for getting a speeding ticket: Geico
- Cheapest company for being in an at-fault accident: Amica
- Cheapest company after a high-risk incident: Progressive
On This Page
- The cheapest car insurance companies in Connecticut
- The cheapest car insurance companies in Connecticut by coverage level
- Cheapest cities in Connecticut for car insurance
- Factors that impact cheap rates in Connecticut
- Minimum coverage requirements for Connecticut drivers
- How to get the cheapest car insurance in Connecticut
- Car insurance discounts in Connecticut
- Frequently asked questions
- Methodology
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.
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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.
Insurance company | Average monthly minimum coverage premium | Average annual minimum coverage premium | Annual savings vs. State average* |
---|---|---|---|
Amica
4.4
Bankrate Score
|
Average monthly minimum coverage premium
$33
|
Average annual minimum coverage premium
$401
|
Annual savings vs. State average*
- $219 |
Geico
4.4
Bankrate Score
|
Average monthly minimum coverage premium
$34
|
Average annual minimum coverage premium
$404
|
Annual savings vs. State average*
- $216 |
USAA
4.3
Bankrate Score
|
Average monthly minimum coverage premium
$37
|
Average annual minimum coverage premium
$443
|
Annual savings vs. State average*
- $177 |
Allstate
3.8
Bankrate Score
|
Average monthly minimum coverage premium
$41
|
Average annual minimum coverage premium
$487
|
Annual savings vs. State average*
- $133 |
Progressive
4.2
Bankrate Score
|
Average monthly minimum coverage premium
$41
|
Average annual minimum coverage premium
$495
|
Annual savings vs. State average*
- $125 |
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
Insurance company | Average monthly full coverage premium | Average annual full coverage premium | Annual savings vs. State average* |
---|---|---|---|
Geico
4.4
Bankrate Score
|
Average monthly full coverage premium
$91
|
Average annual full coverage premium
$1,096
|
Annual savings vs. State average*
- $457 |
Amica
4.4
Bankrate Score
|
Average monthly full coverage premium
$94
|
Average annual full coverage premium
$1,126
|
Annual savings vs. State average*
- $427 |
Progressive
4.2
Bankrate Score
|
Average monthly full coverage premium
$102
|
Average annual full coverage premium
$1,225
|
Annual savings vs. State average*
- $328 |
USAA
4.3
Bankrate Score
|
Average monthly full coverage premium
$110
|
Average annual full coverage premium
$1,317
|
Annual savings vs. State average*
- $236 |
Nationwide
3.9
Bankrate Score
|
Average monthly full coverage premium
$114
|
Average annual full coverage premium
$1,362
|
Annual savings vs. State average*
- $191 |
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. Power, AM 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.