Drivers in Connecticut have a variety of choices when it comes to car insurance. There are 1,478 licensed insurance companies in Connecticut, and the state ranks third in the United States for direct premiums written. With this many insurance companies, finding the cheapest car insurance in Connecticut is not always easy.
The average cost of car insurance in Connecticut is $672 a year for minimum coverage and $1,605 annually for full coverage. If you are one of the 2.5 million or more licensed drivers in Connecticut, it is important to know which car insurance companies offer the lowest rates in the state.
The Cheapest Car Insurance in Connecticut
Car insurance in Connecticut is reasonably priced, but some insurance companies offer better rates than others. The table below includes the five cheapest auto insurance providers in Connecticut, and corresponding average annual minimum and full coverage policy premiums.
|Car Insurance Company||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
Quadrant information services, 2020
Geico is the cheapest car insurance company in Connecticut, with an average premium of $1,035 a year for full coverage insurance, and just over $400 a year for minimum liability-only insurance. Additionally, Geico has a long list of discounts for even more savings.
Discounts for federal employees, good students, good drivers, membership groups and employee groups are available. Geico also offers special savings for military members, including an emergency deployment discount, which is ideal for people who live on one of Connecticut’s Naval or Coast Guard bases.
Drivers who are looking for cheap car insurance in Connecticut can potentially get a full coverage policy from Allstate around $1,284 a year, which is far below the statewide average. Allstate’s car insurance discounts are fairly standard for the industry, which means most drivers will be able to take advantage of the savings.
There are discount opportunities for teen drivers, good students, paying in full, bundling policies and insuring a new vehicle. Allstate also offers a pay-per-mile program, called Milewise®, which is ideal for Connecticut drivers who only drive occasionally and want cheap coverage.
Amica is one of the highest-rated insurance companies in the country. The Rhode Island-based carrier is unique because it is one of the few insurance companies that offers dividend policies. That means drivers can recoup up to 20% of their premium at the end of the year.
Amica also offers discounts for being claims-free, being a homeowner, being a loyal customer, taking a driver training course, being a good student or a student away at school, and having a parent who is also an Amica policyholder.
USAA is our top recommendation for Connecticut drivers who serve in the military or are military veterans. The average full coverage policy from USAA in Connecticut is $1,281 per year, and the average minimum coverage policy is just $458 per year.
USAA offers discounts for safe drivers, good students, taking a defensive driving course, insuring a new vehicle, being a loyal customer, bundling a home and auto insurance policy and garaging a vehicle on a military base.
Not only is Progressive car insurance affordable in Connecticut, but the company offers numerous online tools to help drivers get a lower premium. Policyholders can use the Name Your Price® Tool to see policies within their price range, and can use the comparison tool to see how Progressive’s prices stack up against competitors.
Progressive’s website claims that 99% of drivers qualify for at least one discount. There are discounts for vehicle safety features, insuring multiple cars, bundling policies, continuous insurance, teen drivers, good drivers, paying in full, enrolling in the Snapshot program and many more.
Affordable Coverage for Connecticut Drivers
Car insurance is legally required in Connecticut. The state minimum required coverage is 25/50/25, which includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident and $25,000 in property damage liability coverage per accident.
Choosing liability-only insurance means you will pay the lowest rate. However, it is not the best way to get affordable coverage. Minimum coverage insurance may not cover the full cost of an accident, leaving drivers financially responsible for paying damages above their policy’s coverage limit out-of-pocket.
How to Get Cheap Car Insurance in Connecticut
Choosing an affordable car insurance carrier is one way to get cheap car insurance in Connecticut. But there are some additional ways to get a low rate. Here are some other options to consider:
- Shop around: avoid settling for the first insurance company you come across. Spend some time researching and comparing providers to figure out which companies have what you are looking for in terms of coverage and price.
- Take advantage of discounts: most car insurance companies offer discounts that can lower your premium. Look for insurance providers that offer multiple discounts you qualify for, and call an agent to ask about unadvertised discounts.
- Raise your credit score: your credit score is one of the biggest factors that will impact your car insurance rate. The lower your credit score, the higher your premium is (in most states). Work on raising your credit score to save money on your insurance policy.
- Increase your deductible: increasing your deductible is another way to save some money on your car insurance policy. Just make sure you can afford a higher out-of-pocket cost if you do need to file a claim.
- Bundle your policies: if you already have a home insurance policy, consider purchasing your auto insurance from the same provider. You can almost always qualify for a discount if you bundle two policies with the same company.
Frequently asked questions
What is the best car insurance in Connecticut?
There are over 1,000 car insurance providers in Connecticut. However, not all insurance companies are created equal. Based on our research, the best car insurance in Connecticut is from Amica, State Farm, Geico, The Hanover and Progressive.
What is the average cost of car insurance in the U.S.?
The average cost of car insurance in the United States is $1,738 per year for a full coverage policy. The average cost of car insurance in Connecticut ($1,605 yearly) is slightly less expensive than the national average.
What information do I need to get a car insurance quote?
To get a car insurance quote, you will need to provide personal information, like your name, birthday, address and potentially your social security number. You will also be asked to share information about your vehicle, like the VIN number, make, mode and year, as well as the mileage.
Bankrate utilizes Quadrant Information Services to analyze 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 cleaning 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 coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.