With over 2.6 million licensed drivers in the state of Connecticut, road safety is primarily a shared effort. Accidents happen, which is why many people search for the best car insurance in Connecticut. On average, car insurance costs drivers in the state $1,845 annually for full coverage. But if you are looking for the most affordable Connecticut insurance rates, shopping around is essential.
There are several variables to consider when searching for cheap car insurance companies in Connecticut, including Connecticut car insurance laws and how your age, marital status and car make all impact your quote. To help Connecticut drivers keep themselves financially covered in an accident, Bankrate researched and compared average premiums, policy offerings and customer satisfaction among multiple top car insurance providers in the state.
The best car insurance companies in Connecticut
According to our 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 policy.
Customer satisfaction scores from the 2020 J.D. Power auto claims satisfaction study were also utilized in our analysis. Based on our research and findings, five companies stand out as some of Connecticut’s best insurance companies. The table below highlights how they stack in regards to our Bankrate Score, average annual premium and customer satisfaction score.
|Provider||Bankrate Score||Average annual full coverage premium||J.D. Power auto claims satisfaction score|
|Amica||4.6||$1,216||907 / 1,000|
|Geico||4.6||$1,071||871 / 1,000|
|Nationwide||4.2||$1,280||876 / 1,000|
|State Farm||4.4||$1,477||881 / 1,000|
|*USAA||4.7||$1,264||*890 / 1,000|
*Due to membership eligibility restrictions, USAA is considered rank-ineligible by J.D. Power.
Near the top of our collective rankings is Amica, with a Bankrate Score of 4.6 and 907 points out of 1,000 for its excellent claims satisfaction. 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.
If you are looking to save money, have Geico on your list of car insurance carriers in Connecticut to get a quote. The nationwide insurance company has the lowest average premium of the providers on our list and offers various discounts available that could save you as much as 25% on your premiums. Discounts range from options for membership affiliations to more general savings, such as having airbags installed. And with Geico being the number one writer of car insurance policies in Connecticut, it could be concluded that it is an especially trusted provider for drivers.
There is no shortage of Nationwide agents in Connecticut, with most cities and towns having at least two agents available. Drivers are likely to find several coverage options that fit their 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.
State Farm is the largest insurer in the United States and ranks within the top 10 providers in the 2020 J.D. Power study. Connecticut drivers have multiple options for coverage, including roadside assistance coverage and even rideshare insurance for gig workers who drive for Uber or Lyft. While it is the most expensive provider on our list based on average premiums, policyholders have a strong chance of reducing their monthly rates through State Farm’s discounts. For instance, drivers with vehicles made in 1994 or later could receive up to 40% off med pay by having basic safety features installed.
USAA may provide the perfect option for military families in Connecticut seeking affordable and effective coverage. Although its membership eligibility requirements make it ineligible for official rankings by J.D. Power, our Bankrate Score highlights it as being a highly competitive insurer in the industry. 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.
Average car insurance cost in Connecticut
Connecticut drivers pay an average of $794 per year for the minimum-required state insurance and $1,845 per year for full coverage. Full coverage in Connecticut is a little under $200 more expensive than the national average cost of car insurance, which is $1,674 per year. While car insurance rates depend on many factors, such as your age and credit score, Connecticut’s higher average premiums may in part be due to the increasing number of traffic fatalities on its roads.
Compared to Massachusetts, another New England state, Connecticut drivers pay significantly more for coverage. Car insurance rates in Massachusetts average $1,233 per year for full coverage.
|Average annual premium for minimum coverage in Connecticut||Average annual premium for full coverage in Connecticut|
State 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 state that motorists need at least a 25/50/25 split in coverage, which breaks down to:
- $25,000 in bodily injury liability, per person
- $50,000 in bodily injury liability, per accident
- $25,000 in property damage liability, per accident
Connecticut’s minimum liability requirements help you cover damage caused to another person or their property. However, you would need to purchase collision and comprehensive coverage — also known as full coverage car insurance — to offer financial assistance in covering damage to your vehicle. Additionally, you may find that the state’s minimums are often insufficient in covering more serious accidents, which is why many experts recommend purchasing fuller coverage to protect yourself better financially. Similarly, your lender may require full coverage if you lease your vehicle since it is still their asset.
How to get the best car insurance
People may search endlessly looking for a definitive provider that offers the best car insurance policy, but car insurance is a highly personalized purchase. Each person is likely to have different circumstances and needs that will impact their decision. Here are some things to keep in mind when looking for your ideal car insurance provider:
- Evaluate your needs: Several personal factors such as your driving record, credit history and age could impact what priorities you make in your insurance buying decision. For example, drivers 30- to 60-years old are likely to find more affordable rates on average and may instead seek providers with other qualities, such as excellent customer service or user-friendly claims filing systems. Comparatively, policyholders with an insured teen driver may place providers with discounts for good grades or being away at school higher on their list to save on premiums.
- Consider state factors: Each state has unique conditions that might make certain coverages more necessary than in other places. For example, Connecticut has more than 5,800 miles of rivers and streams, making the risk of flooding more likely. Because flood damage is not typically covered by car insurance, purchasing comprehensive coverage may be crucial in avoiding hefty out-of-pocket costs if your car is flooded following a storm.
Car insurance discounts in Connecticut
Several companies offer extra car insurance discounts that you can use to save money. Fortunately for Connecticut drivers, many discounts are stackable and can be applied to your policy to bring down costs. Some of the most common options are:
- Automatic payments: Simply enabling the option for your insurer to withdraw monthly payments from your account automatically could save you on your annual premium with some providers.
- Multi-policy: Most providers will offer significant discounts for bundling multiple policies through them, especially home and auto.
- Defensive driving course: You could brush up on the best road safety practices by completing an approved defensive driving course and earn a percentage back on your premium.
- Safety features: Having features like airbags and anti-lock brakes installed in your vehicle could make you eligible for additional savings.
Discounts offered will vary among providers and can usually be found on a provider’s website. However, actual savings may have to be discussed with a local 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 include different qualities for each person. For example, a popular provider in Connecticut may be appealing to one driver for its low rates and another driver for its comprehensive coverage options. Most people consider their budget, age, credit score and driving history when selecting a carrier.
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 backing for unexpected incidents. Because accidents often cause financial strain, car insurance might help pay for injuries, repairs and even transportation expenses when a covered accident occurs.
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.
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 2020 Auto Insurance Study and the 2020 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.