Drivers in Connecticut, like those in most states, are legally required to carry car insurance coverage. Aside from making you legally compliant, car insurance can help to protect your finances if you cause an accident. Auto insurance is a key part of your financial planning. On average, drivers in Connecticut pay $1,845 per year for full coverage insurance and $794 per year for minimum coverage.
Car insurance is more expensive in Connecticut than it is nationally, and many drivers likely want to find the most affordable car insurance possible without sacrificing coverage. Bankrate has analyzed the average premiums for the top 25 car insurance carriers by market share to determine which sells the cheapest car insurance in Connecticut.
The cheapest car insurance in Connecticut
Nationally, drivers pay $1,674 annually for full coverage and $565 annually for minimum coverage, which is less than what Connecticut drivers pay. This may be due to the fact that, despite the state’s small size, there were over 2.8 million vehicles registered there in 2015. This many vehicles in such a small area could increase the likelihood of accidents.
After reviewing the average premiums for the largest companies, Bankrate’s editorial team has determined that the following five companies offer cheap car insurance in Connecticut. As you search for car insurance coverage, you may want to request quotes from these companies.
|Car insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Geico is the cheapest car insurance company in Connecticut for both minimum coverage and full coverage. On top of its already low premiums, Geico offers a long list of discounts to help policyholders save even more. If you are looking for mobile tools, Geico may be a good choice for you. Its mobile app has over 2.7 million reviews on the App Store and has a rating of 4.8 out of 5.0.
Geico earned a high score in the 2020 J.D. Power U.S. Auto Insurance Study in the New England region. The company earned the third spot with a score of 841 out of 1,000. Geico also has fewer than average complaints for its personal auto product, according to the National Association of Insurance Commissioners (NAIC). A score of 1.00 indicates an industry-standard number of complaints. Geico’s auto insurance product earned a score of 0.64, meaning that it received fewer complaints than the baseline.
Amica is a Rhode Island-based carrier, but it does offer coverage in Connecticut. One of the most unique features of Amica is its optional dividend policies. If you choose this policy type with Amica, you are eligible to get up to 20% of your auto insurance premiums back each year. Amica also earned the top spot in the New England region in the 2020 J.D. Power U.S. Auto Insurance Study.
Although its premiums are already lower than Connecticut’s average, Amica offers several discounts. You may be able to save 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 or for having a parent who is also an Amica policyholder.
Not all drivers are eligible for coverage with USAA; the company only provides insurance to past and present military members and select family members. If you are eligible, USAA could be a great choice for your insurance. Although it is not technically eligible for ranking due to their eligibility restrictions, USAA consistently receives high scores from J.D. Power.
USAA offers numerous types of insurance, including auto, home, life and umbrella coverage. If you have multiple policies, bundling them all with USAA could earn you a discount. You can also earn discounts for being a safe driver, garaging your vehicle on a military base and driving low annual miles.
State Farm is the largest auto insurance carrier in the country with just over 9% of the market share. Although its full coverage premium is the highest on our list, State Farm offers several discounts that could help you keep your premium down. There are notably two different safe driver programs: Drive Safe & Save for adults and Steer Clear for teen drivers.
State Farm earned an above-average score in the 2020 J.D. Power Auto Claims Satisfaction Study, indicating that policyholders are generally satisfied with its claims service. The personal auto product also earned a lower-than-average complaint index scoring from the NAIC, with a score of 0.69.
Nationwide has been in business for nearly 100 years. Its auto insurance offers below-average premiums for Connecticut drivers, as well as numerous coverage options. Drivers can choose from standard auto insurance coverages, but can also customize their policies with options like vanishing deductible, gap insurance and accident forgiveness.
Nationwide also has a number of discounts available. Notable are its two telematics programs, SmartRide and SmartMiles. These programs may help you save on insurance by charging you a more personalized rate based on your driving habits or how often and far you drive.
Affordable coverage for Connecticut drivers
Car insurance is legally required in Connecticut, as it is in most states. The state minimum required coverage is 25/50/25, which means that you must carry at least the following levels of coverage to drive legally:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage
Minimum coverage may mean that you pay among the lowest premiums, but it could also leave you at risk for out-of-pocket costs if you cause an accident and the damages exceed your coverage limits. Generally, insurance professionals recommend that you buy higher liability limits if you can afford to do so.
Additionally, minimum coverage does not cover damage to your vehicle. If you want that, you will need to add comprehensive coverage and collision coverage to your policy, also known as “full coverage.” If you have a loan or lease on your car, you will likely have to carry full coverage per the requirements of your lender.
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 additional ways to save. Here are some other options to consider:
- Shop around: 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 might 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 can impact your car insurance rate. Generally, the lower your credit score, the higher your premium is. Working to increase your credit score could save you money on your car insurance.
- Increase your deductible: Your deductible is the amount you will pay out of pocket before your insurance company beings to pay a claim for damage to your car. If you carry full coverage, increasing your deductible could be 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 homeowners, condo owners or renters insurance policy, consider purchasing your auto insurance from the same provider. Multi-policy discounts are very common and can save you quite a bit of money.
Since every company offers different discounts, the best way to identify savings opportunities is to talk to your agent.
Frequently asked questions
What is the best car insurance in Connecticut?
There is no one best car insurance company, since everyone brings a different set of wants and needs to their car insurance search. For example, if you have a clean driving record, the best insurance company for you will likely be different from the best company for someone with a DUI. Identifying what you want out of your car insurance company — low rates, online tools, 24/7 customer service, etc. — can be the first step to find the right carrier for your needs. Then you may want to obtain quotes from several companies to compare premiums and options.
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 $1,874 and for minimum coverage is $794.
What information do I need to get a car insurance quote?
To get a car insurance quote, you will likely need to provide personal information, like your name, birthday, address and potentially your social security number. You will probably also be asked to share information about your vehicle, like the vehicle identification number (VIN), make, mode and year, as well as the mileage. Every carrier is different, so you may be asked for more or less information depending on the company you are getting a quote from.
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 coverages that meet 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.