Geico offers the cheapest rates for full coverage car insurance in Connecticut, at $1,071 per year, according to Bankrate’s research. Geico also offers the cheapest rates for minimum coverage car insurance in the state at only $427 annually. Amica, USAA, State Farm and Nationwide follow closely behind Geico with some of the lowest average premiums in Connecticut.
The average cost of car insurance in Connecticut is $1,845 per year for full coverage, and $794 per year for minimum coverage. You may be tempted to purchase minimum coverage since it’s cheaper, but it provides less financial protection. While full coverage typically costs a little more, it adds useful financial protection in the form of coverage for damage to your vehicle in the event of a covered accident. If you’re looking for cheap car insurance in Connecticut, you may want to start by getting quotes from Geico, Amica, USAA, State Farm and Nationwide — which also happen to be some of the best car insurance companies in the state.
The cheapest car insurance companies in Connecticut
To find the cheapest car insurance in Connecticut from companies that still offer great products and service, we used an impartial rating system incorporating several factors. We analyzed the most recent car insurance premium data from Quadrant Information Services to find the cheapest providers in the state. To find cheap car insurance companies that have good service, we collected third-party customer satisfaction ratings from J.D. Power, and looked at third-party financial strength ratings from AM Best.
The cheapest companies for minimum coverage in Connecticut
Most insurance experts recommend purchasing higher limits if possible and encourage that drivers consider full coverage. Why? If you were to get in a car accident, minimum coverage car insurance only covers damages and medical bills for the other vehicles involved up to the lowest limit permitted. With the lowest coverage selected, you’ll likely end up having to pay for certain expenses out of pocket. However, if you do decide that you only need minimum coverage, these companies offer cheap minimum coverage on average in Connecticut.
|Car insurance company||Average annual minimum coverage premium||Average monthly minimum coverage premium|
The cheapest companies for full coverage in Connecticut
If you’re looking for full coverage insurance, these five companies offer the cheapest rates in the Constitution State, on average.
|Car insurance company||Average annual full coverage premium||Average monthly full coverage premium|
Events that can impact your cheap rates in Connecticut
Your car insurance rates may shift due to a life event. If something recently shifted in your life, you may want to re-shop for insurance. The following life events may raise your rates:
- Adding a teen driver: Drivers between the ages of 16 and 19 are almost three times more likely to be involved in a fatal crash than drivers 20-years-old and above. Insurance companies are aware of this added risk, leading to premiums for teen drivers being generally pricier. However, several student discounts exist that could help you save money if you do need to add a teen driver to your premium.
- Receiving a speeding ticket: If you receive a moving violation such as a speeding ticket, you’ll likely see an increase in your car insurance rates. However, some insurance carriers offer discounts to drivers who complete defensive driving courses.
- Being involved in an at-fault accident: If you are involved in an at-fault car accident, your car insurance premiums may go up significantly. On average, after an accident, a driver’s car insurance increases by $637.
- Being deemed a high-risk driver: After certain violations like a DUI, you may be regarded as a high-risk driver. High-risk drivers may need to be insured with a provider specializing in high-risk insurance. Be aware that high-risk insurance tends to be more expensive than standard auto insurance.
Cheapest cities in Connecticut for minimum coverage
Full coverage premiums may differ from city to city since different ZIP codes have different costs of living, weather patterns, road conditions, costs of repair and crime rates. The cheapest cities on average for full coverage car insurance in Connecticut are all located in the Northeastern part of the state — rather than the more expensive suburbs in the southern part of the state.
|City||Average annual full coverage premium||Average monthly full coverage premium|
Minimum coverage requirements for Connecticut drivers
Each state except for New Hampshire and Virginia have minimum coverage requirements. That means these states require that drivers must hold at least a certain amount of liability coverage. Connecticut’s minimum liability requirements are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
The state also mandates that drivers hold uninsured and underinsured motorist insurance. 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 legal consequences.
While it’s legal to drive with the minimum amount of insurance required, most drivers would benefit from having higher coverage limits. Full coverage car insurance is more likely to protect your finances in the event of an accident.
Here is how to find (and keep) cheap car insurance in Connecticut
To make sure you’re getting the cheapest auto insurance in Connecticut, you may want to shop for affordable rates with multiple insurance providers periodically.
The following tips may help you find and keep affordable rates for your car insurance.
- 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.
- Maintain clean driving records: One of the best ways to keep your car insurance rates low is to maintain a clean driving record and keep your number of claims down.
Frequently asked questions
What is the best car insurance in Connecticut?
Most major insurance providers sell policies in Connecticut, but the preferences may not be the same for every customer. The best car insurance in Connecticut depends on individual needs, budget, driving record and ZIP code, and the provider that suits one person may not suit another. To get the best car insurance deal in Connecticut, one tried and tested method is to collect quotes from multiple companies and compare the coverage options for the price.
What is the average cost of car insurance in the U.S.?
The average cost of car insurance in the United States is $1,674 per year for a full coverage policy and $565 per year for a minimum coverage policy. Comparatively, the average annual cost for full coverage in Connecticut is $1,845 and $794 for minimum coverage.
How can I lower my car insurance rates in Connecticut?
To lower your car insurance rates in Connecticut, you may want to get quotes from the cheapest car insurance companies in the state and see which company offers you the lowest premium. In addition, it may be helpful to look for discounts that apply to you and see if you can take advantage of multiple savings. For instance, you may qualify for both a bundling discount and a teacher discount. Some insurance companies allow you to take a defensive driving course to save money and some offer telematics programs, which track your driving in real time and reward you for safe driving. If you have bad credit in Connecticut, your car insurance could increase. Raising your credit score could lower your car insurance premium over time.
What is the penalty for driving uninsured in Connecticut?
Driving without insurance is a Class C misdemeanor in Connecticut. Penalties could include up to $500 in fines, jail time of up to three months or both.
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 coverage that meets each state’s requirements. Our base profile drivers own a 2019 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.