Cheapest car insurance in Connecticut for 2023

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

Cheapest company for minimum coverage

Cheapest company for adding a teen driver

Cheapest company for getting a speeding ticket

Cheapest company for being in an at-fault accident

Cheapest company after a high-risk incident

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.

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.

Getting a speeding ticket

Getting into an at-fault accident

Being deemed a high-risk driver

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.