Best car insurance in Connecticut in 2021
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 in Connecticut. Geico, State Farm and Nationwide also make the list of best car insurance providers in the Constitution State.
Connecticut drivers pay an average of $1,845 per year for full coverage car insurance, according to Bankrate’s 2021 study of quoted annual premiums. And while price is important to consider when shopping for car insurance, Connecticut drivers may also want to think about each company’s coverages, discounts, policy features and third-party rankings. Bankrate’s research consolidates these factors, making it easier for you to choose the best car insurance in Connecticut for your needs.
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 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 provider.
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.
|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, our Bankrate Score highlights the carrier as being highly competitive 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. 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 907 points out of 1,000 from J.D. Power 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. However, Amica may not be a good choice if you have accidents, tickets or DUI convictions 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 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 bills. The company is known for offering numerous discounts, including savings for federal employees, military members and good students. However, Geico 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 most expensive provider on our list based on average premiums, but there are discounts that could offset the higher rates. For instance, insuring more than one policy or more than one car with State Farm might lower your premiums.
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 premium of the companies on our list.
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-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 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 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|
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 will not be able to purchase a policy with levels that do not satisfy the law — knowing the minimums can help you decide if you need more coverage.
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 comprehensive and collision. Additionally, gap insurance could be a helpful addition to your policy. If your vehicle is totalled 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 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 has gotten licensed; 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
Several companies offer 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:
- 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 accidents and tickets can help you avoid policy surcharges. 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 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 insurance experts advise that you should consider your budget, age, and driving history when selecting a carrier, as well as the carrier’s coverage options, discounts and third-party scores.
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 our research. However, the cheapest car insurance company for you will depend on your individual rating factors, so getting quotes from several companies can be a good practice.
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. 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.