Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance in Connecticut for 2023

Updated Sep 13, 2023
Compare car insurance rates
Answer a few questions to discover real rates from top-tier carriers in your area.
Location-Icon
Lock Secure Your information is secure
Badge No spam. No fees. No surprises.
Select from a variety of trusted carriers
+ MORE
User
Tell us a little about yourself
We’ll only ask for info we’re confident will impact your rate. That way, we can provide you with the most accurate and personalized offers.
Insurance Auto
Choose which policy is best for you
Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you’d like.
Congrats
Lock in your rate and policy details
Once you’re confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that’s it!
Savings

Compare rates and save on auto insurance today!

ZIP code
Close X

Best car insurance companies in Connecticut

After analyzing dozens of providers, Bankrate determined that Geico, Amica, USAA, State Farm and Nationwide are among the best car insurance companies in Connecticut, based on our research into carrier coverage options and assessment of trusted industry ratings.

In our analysis, we utilized customer satisfaction scores from the 2022 J.D. Power 2022 U.S. Auto Insurance Study, as well as financial strength ratings from AM Best and Standard & Poor’s (S&P), in addition to rate data provided by Quadrant Information Services. Connecticut drivers pay, on average, $620 per year for minimum coverage and $1,553 for full coverage. Nationwide, automobile drivers pay an average of $2,014 per year for full coverage, significantly more than Connecticut motorists.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
827
/1,000
Average monthly full coverage premium
$91
Average annual full coverage premium
$1,096
Amica
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
862
/1,000
Average monthly full coverage premium
$94
Average annual full coverage premium
$1,126
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (New England)
884
/1,000
Average monthly full coverage premium
$110
Average annual full coverage premium
$1,317
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England)
838
/1,000
Average monthly full coverage premium
$124
Average annual full coverage premium
$1,488
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (New England)
Not rated
Average monthly full coverage premium
$114
Average annual full coverage premium
$1,362
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

USAA not officially ranked by J.D. Power due to eligibility restrictions.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
827
/1,000
Average monthly minimum coverage premium
$34
Average annual minimum coverage premium
$404
Amica
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
862
/1,000
Average monthly minimum coverage premium
$33
Average annual minimum coverage premium
$401
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (New England)
884
/1,000
Average monthly minimum coverage premium
$37
Average annual minimum coverage premium
$443
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England)
838
/1,000
Average monthly minimum coverage premium
$48
Average annual minimum coverage premium
$580
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (New England)
Not rated
Average monthly minimum coverage premium
$61
Average annual minimum coverage premium
$727
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

USAA not officially ranked by J.D. Power due to eligibility restrictions.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
SAVE WITH TRUSTED PROVIDERS
+ MORE
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Badge No spam. No fees. No surprises.
Caret Left Back
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Choose from offers in
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for multiple discount opportunities

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 827/1,000 AM Best: A++

Average annual premium

$ 1,096 for full coverage
Get a quote

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

Why Geico made our list: 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. Geico is known for offering numerous discounts, including potential savings for federal employees, military members and good students. It also scored just above average in the 2022 J.D. Power U.S. Auto Insurance Study for customer satisfaction.

Who Geico may be good for: If you're looking for car insurance in CT on a budget, Geico is worth considering. The company's average rates are already low by comparison to many other carriers we analyzed, and may be even lower if you are able to apply some of its many potential discounts.

Best for customer service

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 862/1,000 AM Best: A+

Average annual premium

$ 1,126 for full coverage
Amica Review

Explore Bankrate's review

Why Amica made our list: Customers seeking Connecticut auto insurance companies with high customer satisfaction ratings might find Amica a good option for their needs. The company secured the top ranking in the 2022 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 could buy a standard auto insurance policy and take advantage of several potential discounts, or you could choose Amica’s auto insurance dividend policy, which pays back up to 20 percent of your premium each year. However, Amica may not be a good choice if you have a few blemishes on your driving record. You can learn more about Amica at www.Amica.com.

Who Amica might be good for: If your top priority is easy customer interactions with your insurer, Amica might be worth looking at. The company might also be a good choice for the budget-conscious, as its average rates are at the low end among companies we studied.

USAA logo

Best for military-focused coverage

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 884/1,000 AM Best: A++

Average annual premium

$ 1,317 for full coverage
Get a quote

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

Why USAA made our list: Although USAA received a high score in the J.D. Power customer satisfaction study, it is technically ineligible for ranking because it only offers car insurance to eligible members of the military, veterans and their immediate family members. Our Bankrate Score highlights the carrier as being highly competitive in the industry, and the provider offers unique discounts tailored to military needs, like savings for garaging a vehicle on base and potential loyalty discounts for young adults who were previously covered under a USAA-insured parent.

Who USAA may be good for: USAA scores highly for both reasonable average rates and dedicated customer service, so if you fit the military demographic and are interested in a company that scores well across the board, you may want to look at them.

Best for local agents

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 838/1,000 AM Best: A++

Average annual premium

$ 1,488 for full coverage
Get a quote

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

Why State Farm made our list: State Farm is the largest auto insurer by direct premiums written in the U.S. Connecticut drivers have multiple potential coverage options with State Farm, including roadside assistance coverage and rideshare insurance. State Farm is one of the most expensive providers on our list based on average premiums, but the potential discounts it offers could offset the higher rates. For instance, you might earn a discount if you insure multiple vehicles or bundle home and auto insurance policies. State Farm has high J.D. Power customer satisfaction ratings and ranks well above average in its auto insurance survey for the New England region.

Who State Farm may be good for: State Farm may appeal to those who prefer to do their insurance business with an agent, rather than online. With more than 19,000 exclusive local agents across the U.S., Connecticut residents will undoubtedly find one or more in their area.

Best for no-frills insurance coverage

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: Not rated AM Best: A+

Average annual premium

$ 1,362 for full coverage
Get a quote

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

Why Nationwide made our list: Besides all standard coverage options, Nationwide also offers optional gap coverage and roadside assistance. The company offers a variety of ways to save on auto insurance, including potential discounts for anti-theft devices, automatic payments, good student, multi-policy and safe driver discounts. However, the insurer earned a below average score on the 2022 J.D. Power Auto Claims Satisfaction Study, although it is not rated in the 2022 Auto Insurance Study for the New England region.

Who Nationwide might be good for: With a network of local, independent agents throughout Connecticut, Nationwide might be a good option for drivers who want to work with independent agents. The company might also be a good option for drivers who want a simple, no-frills policy without much customization.

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 looking for a provider that offers the customer care you deserve and the financial ability to meet its claims responsibilities.

To help you decide on the right company for your needs, Bankrate gives each insurer a Bankrate Score, based on the factors we have outlined above. The score is out of five points, with five being the highest. The score reflects a weighted rank of industry-standard rankings, third-party ratings, and average annual premiums. We also looked carefully at each company's website and app, to see who made it easy for you to manage your policy and claims online.

How much is car insurance in Connecticut?

According to Quadrant Information Services, Connecticut drivers pay an average of $620 per year for minimum coverage and $1,553 per year for full coverage. Nationwide, U.S. motorists pay an average of $2,014 for full coverage and $622 for minimum coverage.

Your car insurance rates may depend on many factors, such as your driving history and the coverages you choose. Connecticut’s average rates are higher than some neighboring states and lower than others. For example, Massachusetts drivers pay an average of $1,262  per year for full coverage, while New York drivers pay an average of $3,139 which is currently the highest average rate in the country.

Average annual premium for full coverage in Connecticut Average annual premium for minimum coverage in Connecticut
$1,553 $620

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.

Frequently asked questions

Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Senior Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute