If you’re looking for the best auto insurance rates in Connecticut, it may be tough to know where to start your search. Based on Bankrate’s extensive research into the largest car insurance companies by market share, USAA and Amica sell some of the best auto insurance coverage in Connecticut. These findings are based on Bankrate’s extensive research into the largest car insurance companies by market share. Geico, State Farm and Nationwide also make the list of best car insurance providers in the Constitution State.
The average cost for full coverage car insurance Connecticut drivers pay is $1,845 annually, according to Bankrate’s 2021 study of quoted annual premiums. Though price is a deciding factor for many drivers, it is just one aspect to consider. Comparing each company’s coverages, discounts, policy features and third-party rankings can help you narrow down your choices. Bankrate’s research consolidates these factors, making it easier for you to choose the best car insurance in Connecticut based on what matters most to you.
Best car insurance companies in Connecticut
USAA, Amica, Geico, State Farm and Nationwide are among the best car insurance companies in Connecticut, based on our research. According to Bankrate’s industry expertise, knowledge of carrier policies and assessment of trusted industry ratings, we assigned each Connecticut car insurer a Bankrate Score out of five points. Each score represents how competitive a provider is in the overall insurance market and can be used comparatively when choosing your insurer.
Customer satisfaction scores from the 2021 J.D. Power Auto Claims Satisfaction Study were also utilized in our analysis, as well as financial strength ratings from AM Best and Standard & Poor’s (S&P). Based on our research and findings, five carriers stand out as some of Connecticut’s best insurance companies. The table below highlights how they stack up in regards to our Bankrate Score, average annual premium and customer satisfaction score.
|Car insurance company||Bankrate Score||Average annual full coverage premium||J.D. Power customer satisfaction score|
*Not officially ranked by J.D. Power due to eligibility restrictions
Although USAA’s membership eligibility requirements make it ineligible for official rankings by J.D. Power, this insurer would have topped the list. Our Bankrate Score also highlights the carrier as being highly competitive in the industry with a 4.8 out of 5.0 points. There are unique discounts, like having your vehicle stored on base, and loyalty discounts for purchasing your own USAA policy after being previously covered under a USAA-insured parent. However, not everyone is eligible for USAA coverage; the insurer exclusively sells coverage to military members, veterans and their immediate family members.
Learn more: USAA insurance review
Near the top of our collective rankings is Amica, with a Bankrate Score of 4.6 and 895 points out of 1,000 from J.D. Power for its excellent claims satisfaction. The insurer is also top-ranked in the 2021 J.D. Power Auto Insurance Study for the New England region. Amica is unique among the top insurance companies in Connecticut due to its policy options. You can buy a standard auto insurance policy and take advantage of several discounts to save, or you can choose Amica’s auto insurance dividend policy, which pays you back up to 20% of your premium each year. However, Amica may not be a good choice if you have a few blemishes on your driving record.
Learn more: Amica insurance review
If you are looking for a company with strong digital tools and plenty of discounts, Geico, the second-largest U.S. auto insurer by market share, might be a good option. The company’s mobile app is highly rated and offers customers the ability to file claims, call for roadside assistance and pay their premiums via their smartphone. The company is known for offering numerous discounts, including savings for federal employees, military members and good students. It also scored just above average in auto claims satisfaction and in third place in the auto insurance study. However, Geico has average rates in Connecticut and does not offer many optional coverages, so you may not be able to tailor your policy to your needs.
Learn more: Geico insurance review
State Farm is the largest insurer in the United States and may appeal to drivers looking for an in-person agency experience. Connecticut drivers have multiple options for coverage, including roadside assistance coverage and even rideshare insurance for gig workers who drive for Uber or Lyft. State Farm is the second most expensive provider on our list based on average premiums, but the discounts it offers could offset the higher rates. For instance, insuring more than one policy or more than one car with State Farm might lower your premiums. State Farm ranked above average in claims satisfaction and ranked second place for customer satisfaction in the New England region.
Learn more: State Farm insurance review
Nationwide might be a good option for drivers who want to work with independent agents. The company offers several coverage options that can help you create a policy that fits your needs, including gap coverage and rental car expenses. Discounts from Nationwide are also plentiful, with nine different ways to save, such as savings for enabling automatic payments. However, Nationwide does have the highest average cost of the companies on our list. The insurer also placed below average for claims satisfaction, and J.D. Power did not rank this insurer as a top insurer for the New England region.
Learn more: Nationwide insurance review
Average car insurance cost in Connecticut
According to Quadrant Information Services, in 2021, Connecticut drivers pay an average of $794 per year for the minimum coverage required by the state, and $1,845 per year for full coverage. Full coverage car insurance in Connecticut costs, on average, just under $200 more than the national average for full coverage insurance, which is $1,674 per year.
While car insurance rates depend on many factors, such as your driving history and the coverages you choose, Connecticut’s higher average premiums may in part be due to the number of traffic fatalities on its roads. Compared to the neighboring state of Massachusetts, Connecticut drivers pay significantly more for coverage. Car insurance rates in Massachusetts average $1,223 per year for full coverage.
|Average annual premium for minimum coverage in Connecticut||Average annual premium for full coverage in Connecticut|
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 will all be influenced by your rating factors and personal level of risk. However, there are a few things you can do to find the best car insurance for your needs.
Consider minimum insurance requirements in Connecticut
Like most other states, drivers 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 valuable 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 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 will view you as a high-risk driver, which generally increases your premium. Or perhaps you have a teen driver who was recently added to your policy. In this case, you can expect a hefty increase in your premium. If you understand the factors that will impact your premium, you have the ability to choose an insurance company whose coverages and discounts are geared toward your unique situation.
Car insurance discounts in Connecticut
Most companies offer car insurance discounts that you can use to save money on your premium. Fortunately for Connecticut drivers, many discounts are stackable and can be applied to your policy to reduce your costs. Some of the most common options are:
- 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 can 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 assign a personalized discount based on the data received.
- Other discounts: Bundling insurance policies, like your home and auto insurance, is often one of the biggest discount opportunities, as is insuring more than one vehicle with the same company.
Discounts will vary among providers and can usually be found on a provider’s website. However, actual savings may have to be discussed with an agent. Generally, bundling your home and auto will save you a considerable amount of money on your premium and is usually an excellent place to start when seeking savings opportunities.
Frequently asked questions
What is the best car insurance provider in Connecticut?
Because every driver is different, the best car insurance provider will likely differ for each person. Each company determines its own rates, which are personalized to you based on personal, household and vehicle factors. As such, your driving and claims history, marital status, credit-based insurance score, make and model of your vehicle, motor vehicle record, auto claim history, vehicle usage, ZIP code and other factors will help to determine which company is the best car insurance provider for you in Connecticut.
What is the cheapest car insurance company in Connecticut?
Geico, Amica and USAA have some of the lowest average prices for car insurance in Connecticut, according to Bankrate’s research. However, the cheapest car insurance company for you will depend on your individual or household rating factors. Getting quotes from several companies is one of the best places to start if you want to find the cheapest car insurance company in Connecticut.
How can you find cheap car insurance in Connecticut?
Researching average rates in your area can help you narrow down which providers offer the most affordable coverage. However, it might be worth noting that ZIP codes and other factors could heavily impact the rates you see. To gain a better sense of what you will pay, consider asking for quotes from several providers, comparing discounts and speaking to a licensed agent to determine which company offers the best rates for you.
What are the benefits of having car insurance?
Outside of its legal requirement, having car insurance in Connecticut could offer essential financial protection for unexpected incidents. For example, if you cannot afford to fix the damage to your car from an accident or pay the difference between the car’s value and your loan amount, having full coverage auto insurance may be worth the cost. Car insurance also typically pays for the other party’s injuries and property damage when you are found at fall in an accident so you are not paying these costs out of pocket.
Is uninsured and underinsured motorist coverage mandatory in Connecticut?
Connecticut is one of the few states that mandates uninsured motorist (UM) and underinsured motorist (UIM) coverage for all licensed drivers. This coverage protects you from losses sustained in accidents where the at-fault driver was either uninsured or underinsured for liability coverage. It also provides coverage if you are the victim of a hit-and-run accident or are a pedestrian hit by a UM/UIM driver. Because of this law, the uninsured/underinsured motorist rate is only 6.3% in Connecticut, amongst the lowest in the U.S., according to the Insurance Research Council.
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 2020 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 primarily reflect a weighted rank of industry-standard ratings for financial strength (AM Best, S&P, Moody’s) and customer experience (J.D. Power, NAIC), in addition to average quoted rates from Quadrant Information Services. The J.D. Power studies utilized include the 2021 Auto Insurance Study and the 2021 Auto Claims Study. Our Bankrate editorial team’s extensive research and analysis provided a secondary assessment of each insurer’s online and mobile resources and policy management options, which also contributed to overall ratings.