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Cheapest car insurance in Connecticut for 2022
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Geico offers the cheapest car insurance in Connecticut for minimum coverage, costing an average $418 per year, according to Bankrate’s research. For full coverage, the cheapest auto insurance in Connecticut is also Geico, averaging $1,109 annually. Amica, USAA, State Farm and Nationwide are also some of the cheapest car insurance companies in Connecticut among the companies we studied.
To give you a point of comparison, the average cost of car insurance in Connecticut is $1,533 per year for full coverage and $646 per year for minimum coverage. Though the cheapest rates often come from purchasing minimum coverage, you can still get affordable rates in Connecticut without having to sacrifice coverage. While full coverage typically costs a little more, it provides greater financial protection if you were to cause an accident. Consider Geico, Amica, USAA, Nationwide and Electric Insurance for some of the most affordable average full coverage rates in Connecticut.
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 cheap car insurance companies in the state. To find cheap car insurance companies that also 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 limits outlined in the policy, which means you may end up having to pay for certain expenses out of pocket, including damage to your own vehicle. 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
Cheap car insurance rates in Connecticut may start to creep up due to a life event or your driving record. 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 Connecticut car insurance rates for as long as the violation is on your record. However, many insurance carriers offer discounts to drivers who participate in a telematics program and demonstrate safe driving habits. Keep in mind, however, that with some companies, these programs could also increase your rates if you practice unsafe driving habits.
- 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 full coverage car insurance increases by $750 per year.
- 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
Minimum coverage premiums may differ from city to city since different ZIP codes have different costs of living, weather patterns, road conditions, repair costs and crime rates. The cheapest cities on average for minimum coverage car insurance in Connecticut are mostly in the east and southeast part of the state, based on data collected by Bankrate outlined in the table below.
|City||Average annual minimum coverage premium||Average monthly minimum coverage premium|
Cheapest cities in Connecticut for full coverage
Like the cheapest rates for minimum coverage, the cheapest cities for full coverage in Connecticut all have nearly identical average rates, as shown in the table below. Keep in mind that average Connecticut full coverage rates can vary a lot from city to city due to several factors, including localized theft and vandalism, weather events, cost of living, repair costs and population density.
|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 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 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 in Connecticut.
- 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
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.