With over 2.6 million licensed drivers in the state of Connecticut, you can’t completely control your safety on the road. Accidents happen, which is why you need the best car insurance in Connecticut. If you’re looking for the most affordable Connecticut insurance rates, shopping around is essential.
There are a number of 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 will all impact your quote.
The best car insurance companies in Connecticut
According to our industry expertise and knowledge of what carriers offer and the customer service rating agency J.D. Power, these are the best insurance companies in Connecticut with the best rates and highest customer satisfaction ratings in New England, including Connecticut.
|Car insurance company||Average annual full coverage rate||J.D. Power customer satisfaction score|
At the top of the rankings is Amica Mutual, with 863 points out of 1,000 for its excellent customer service. Amica Mutual is unique among the top insurance companies in Connecticut. You can buy a standard auto insurance policy and take advantage of a number of discounts to save, or you can choose Amica’s auto insurance dividend policy, which pays you back up to 20 percent of your premium each year.
If you’re looking to save money, have Geico on your list of car insurance carriers in Connecticut to get a quote from. The nationwide insurance company has a variety of discounts available that could save you as much as 25% on your premiums.
Progressive may have 819 points, but it came in fourth. The company claims that new customers will save an average of $750 on their car insurance when they switch. Getting a quote to decide if it’s the best auto insurance in Connecticut takes just a couple of minutes when you use the online quote tool.
State Farm is the largest insurer in the United States and second-highest in the rankings with 855 points. You’ll have options when it’s time to cover your vehicles. State Farm provides liability, comprehensive, collision and even rideshare insurance for gig workers who drive for Uber or Lyft.
The Hanover completes the top five carriers for best car insurance in Connecticut with 816 points out of 1,000. You’ll find the usual list of available coverages, but The Hanover takes it one step further by bundling extras into four packages: Platinum Auto Elite, Platinum Auto Advantage, Platinum Auto Essential and Prestige.
Average car insurance cost in Connecticut
Connecticut drivers pay an average of $672 for the minimum-required state insurance and $1,605 for full coverage. This is a little more than $100 cheaper than the national average cost of car insurance, which is $1,738 per year.
|Average annual premium for minimum coverage in Connecticut||Average annual premium for full coverage in Connecticut|
How to get the best car insurance
Here are some things to keep in mind when looking for your ideal car insurance provider:
- Evaluate your needs: Every car insurance quote is highly customized to each driver. Remember that this rate will vary depending on rate factors such as your age, driving record and credit history. Insurance companies will also consider where you live, the car you drive, and any special safety features that your vehicle may offer to keep you safer on the road.
- Consider state factors: Connecticut laws that outline the minimum insurance you must have to legally operate a vehicle within the state. This includes $20,000 bodily injury per person per accident, $50,000 bodily injury for all persons per accident, and $25,000 in property damage liability, You must also include $25,000/$50,000 in uninsured/underinsured motorist coverage.
Car insurance discounts in Connecticut
Several companies offer extra car insurance discounts that you can use to save money.
|Discount||Amica Mutual||Geico||Progressive||State Farm||The Hanover|
|Automatic payment/paperless billing||X|
|Defensive driving course||X||X||X||X|
|Low annual mileage||X||X||X||X|
|Occupational or organizations||X|
|Safe driver/accident free||X||X||X||X|
Frequently asked questions
What information is needed to get car insurance in Connecticut?
You will need to provide all of your personal documents, including your birth certificate, social security card and driver’s license to get Connecticut insurance for your car. If you’re insuring other drivers under your policy, you’ll also need to show their licenses. You will need to provide information about your vehicle, including registration and an existing declaration page.
What should I look for in a car insurance provider?
Consider the types of drivers you will insure under your policy. For instance, if you have student drivers at home, you might want to consider State Farm due to the discount programs they offer for students.
How long does it take to receive a Connecticut insurance quote?
This varies according to the provider. Once you fill out an online application for most insurance providers, you should receive a quote within a few minutes.
Bankrate utilizes Quadrant Information Services to analyze 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 an 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.