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Best car insurance in Connecticut for 2022

Updated Nov 15, 2022
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Shopping for auto insurance can seem overwhelming, but Bankrate's insurance team has searched the market and found some of the best car insurance companies for Connecticut drivers. On average, Connecticut automobile owners pay $1,533 annually for a full coverage insurance policy. Our top five Connecticut auto insurance companies, which include USAA, Geico and State Farm, all offer average annual rates below or near this figure.

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Key takeaways
  • On average, Connecticut drivers pay $1,533 annually for full coverage car insurance.
  • Although traffic fatalities have increased in Connecticut since 2021, average auto insurance costs have decreased.
  • Connecticut drivers pay less, on average, for car insurance than drivers in the neighboring state of New York.

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How Bankrate chose the best car insurance companies in Connecticut

Bankrate selected the best five auto insurance companies in Connecticut based on their affordability, availability, consumer ratings, financial strength ratings and price. While rates are an important aspect in choosing a car insurance company, you're also likely loooking for a provider that offers the customer care you deserve and the financial ability to meet its claims responsibilities.

Best car insurance companies in Connecticut

After analyzing dozens of providers, Bankrate determined that USAA, Geico and State Farm are among the best car insurance companies in Connecticut. Based on our knowledge of carrier policies and assessment of trusted industry ratings, we assigned each Connecticut car insurer a Bankrate Score from 0.0 to 5.0 points.

In our analysis, we utilized customer satisfaction scores from the 2022 J.D. Power Auto Claims Satisfaction Study, as well as financial strength ratings from AM Best and Standard & Poor’s (S&P). Based on data provided by Quadrant Information Services, Connecticut drivers pay, on average, $646 for minimum coverage and $1,533 for full coverage. Nationwide, automobile owners pay an average of $1,771 per year for full coverage, significantly more than Connecticut motorists.

Car insurance company Bankrate Score J.D. Power customer satisfaction score Average annual full coverage premium Average annual minimum coverage premium
USAA 4.9 909/1,000 $1,194 $438
Geico 4.7 881/1,000 $1,109 $418
State Farm 4.7 892/1,000 $1,474 $605
Amica 4.4 895/1,000 $1,141 $419
Nationwide 4.4 876/1,000 $1,398 $750

*Not officially ranked by J.D. Power due to eligibility restrictions

BEST CAR INSURANCE COMPANY FOR MILITARY-FOCUSED COVERAGE

J.D. Power:
909 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 438
Avg annual premium for full coverage:
$ 1,194
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BEST CAR INSURANCE COMPANY FOR MULTIPLE DISCOUNT OPPORTUNITIES

J.D. Power:
881 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 418
Avg annual premium for full coverage:
$ 1,109
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

BEST FOR LOCAL AGENTS

J.D. Power:
892 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 605
Avg annual premium for full coverage:
$ 1,474
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

BEST FOR MULTIPLE DISCOUNT OPPORTUNITIES

J.D. Power:
895 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 419
Avg annual premium for full coverage:
$ 1,141
Read full Amica review

Explore Bankrate's review

BEST FOR NO-FRILLS INSURANCE COVERAGE

J.D. Power:
876 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 750
Avg annual premium for full coverage:
$ 1,398
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Average car insurance cost in Connecticut

According to Quadrant Information Services, Connecticut drivers pay an average of $646 per year for minimum coverage and $1,533 per year for full coverage. Nationwide, U.S. motorists pay an average of $1,771 for full coverage and $545 for minimum coverage.

While car insurance rates may depend on many factors, such as your driving history and the coverages you choose, Connecticut’s average premiums may in part be due to the number of traffic fatalities, which are on the rise. Connecticut reported just 184 traffic fatalities in 2019 and 220 in 2021, but there has been a sharp rise in motor vehicle fatalities in 2022, as year-to-date deaths through September have already surpassed the state's 2021 total.

Connecticut’s average rates are higher than some neighboring states and lower than others. For example, Massachusetts drivers pay an average of $1,296 per year for full coverage, while New York drivers pay an average of $2,996.

Average annual premium for minimum coverage in Connecticut Average annual premium for full coverage in Connecticut
$646 $1,533

Average cost of car insurance in Connecticut

The average annual full coverage auto insurance premium based on a 40-year-old driver with a clean driving record and good credit.

How to find the best car insurance in Connecticut

Car insurance is a personalized purchase. The company you choose, the coverages you purchase and the levels you decide on may all be influenced by your rating factors and personal level of risk. However, there are a few considerations you might start with to find the best car insurance for your needs.

Consider minimum insurance requirements in Connecticut

Like most other states, drivers in Connecticut must carry a minimum amount of car insurance to drive legally. Connecticut’s car insurance laws require that drivers carry at least minimum amounts of bodily injury liability, property damage liability, uninsured motorist coverage and underinsured motorist coverage. While you do not need to commit the minimum limits to memory, you must purchase at least these limits to satisfy the requirements of the law, and knowing the minimums can help you decide if you need more coverage.

Most experts recommend purchasing as much liability coverage you can afford as it provides financial protection if you cause an accident with injuries or property damage.

Consider lender requirements

If you have a loan or lease on your vehicle, you might have additional car insurance requirements. Financial institutions frequently require that policies have full coverage, which includes collision and comprehensive coverage. Additionally, gap insurance could be a helpful addition to your policy. If your newer vehicle is totaled in a covered event and the payout is less than the balance of your loan, gap insurance is designed to pay the difference.

Consider your individual needs

There are numerous life events that can affect your insurance. For example, getting into an at-fault accident, getting a ticket or being convicted of a DUI could mean that insurance companies view you as a high-risk driver, which typically increases your premium. Or perhaps you have a teen driver who was recently added to your policy. In this case, you may see a hefty increase in your premium. If you understand the factors that will impact your premium, you could choose an insurance company whose coverages and discounts are well-suited to your unique situation.

Car insurance discounts in Connecticut

Most companies offer car insurance discounts that you may use to save money on your premium. Fortunately for Connecticut drivers, many discounts are stackable and could be applied to your policy to reduce your costs. Some of the most common options may include:

  • Young driver discounts: If you insure a full-time student under 25, you might save money with good student discounts, teen safe driving programs or distant student discounts.
  • Safe driver discounts: Avoiding at-fault accidents and tickets could help you avoid policy surcharges and may make you eligible for a safe driving discount. Additionally, safe drivers may want to participate in telematics programs, which track driving habits and potentially assign a personalized discount based on the data received.
  • Other discounts: Bundling insurance policies, like your home and auto insurance, may be one of the biggest discount opportunities. Some providers may offer additional discounts for vehicles equipped with safety and security equipment, like anti-lock brakes and anti-theft systems. Others may extend a discount to federal employees, military members or people affiliated with certain companies or organizations.

Discounts will vary among providers and can usually be found on a provider’s website. Actual savings and eligibility may have to be discussed with an insurance agent.

Frequently asked questions

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute