- The average cost of car insurance in Connecticut is $1,725 a year or $144 per month, based on our data analysis.
- Minimum liability coverage in Connecticut costs around $704 annually for limits of 25/50/25, while liability-only coverage costs $783 per year for limits of 50/100/50.
- Geico provides the most affordable annual rates for full coverage car insurance in Connecticut, costing $1,242 per year.
- In Connecticut, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 20%, a DUI raising rates by 78%, and an at-fault accident by up to 51%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Geico offers the most affordable car insurance at $1,242 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Connecticut. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Connecticut and how much you need.
How much is car insurance in Connecticut?
According to CarInsurance.com data, drivers in Connecticut pay about $144 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Connecticut based on driver profile:
- Teen drivers in Connecticut pay the most — about $590 a month or $7,078 a year.
- Young drivers in their 20s pay an average of $253 monthly or $3,037 annually, for car insurance.
- Senior drivers pay around $150 monthly or $1,802 a year.
- A speeding ticket can increase your rates to $195 monthly or $2,342 annually.
- An at-fault accident increases car insurance rates to $229 a month or $2,750 a year.
- Poor credit drivers usually see their car insurance costs increase to $317 monthly or $3,802 annually.
Average cost of auto insurance in Connecticut by coverage level
Car insurance costs in Connecticut can differ based on the coverage limit. To legally drive, Connecticut residents must adhere to the minimum liability limits of 25/50/25.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Connecticut car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $59 | $704 |
| Liability Only – 50/100/50 BI/PD | $65 | $783 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $144 | $1,725 |
State minimum car insurance in Connecticut
Connecticut’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum car insurance cost in Connecticut is $704 a year. However, this basic coverage only offers limited protection. Connecticut drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Connecticut must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Connecticut
The average cost of liability-only insurance in Connecticut is $783 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Connecticut
In Connecticut, you can expect to pay around $1,725 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Connecticut
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Connecticut pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Connecticut
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Calculate the cost of car insurance in Connecticut
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Connecticut pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Connecticut
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Estimate car insurance in Connecticut by car model
Car insurers in Connecticut use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Connecticut.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Connecticut
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Connecticut, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,686 annually.
Connecticut drivers aged 16-19 pay $5,392 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,078 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,880 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,686 per year in Connecticut.
- For senior drivers: Drivers age 65 and older can expect to pay $1,802 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Connecticut
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Connecticut, a DUI conviction lead to increased rates and you may see a rate hike of up to 78% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Connecticut, be prepared for your car insurance rates to rise by up to 20% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 20% increase
- DUI conviction: 78% increase
- At-fault accident (bodily injury and property damage): 51% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Connecticut for high-risk drivers
High-risk drivers in Connecticut pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Connecticut
In Connecticut, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Connecticut by getting quotes from different insurance companies.
Below are the details of Connecticut car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $384 | $463 | $1,242 |
| Kemper Insurance | $562 | $658 | $1,571 |
| Progressive | $881 | $940 | $1,708 |
| State Farm | $613 | $718 | $1,733 |
| Nationwide | $808 | $867 | $1,766 |
| Farmers | $921 | $929 | $2,192 |
| Allstate | $732 | $831 | $2,195 |
| Amica Mutual | $731 | $854 | $2,516 |
Car insurance rates by city in Connecticut
Bridgeport is Connecticut’s most expensive city for car insurance at an average cost of $2,334 annually. Groton is the state’s least expensive city, with an average car insurance rate of $1,496 annually.
Car insurance costs differ from city to city in Connecticut, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Connecticut’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Connecticut per month?
In Connecticut, a full coverage car insurance policy with 100/300/100 limits typically costs about $144 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $59 |
| Liability Only – 50/100/50 BI/PD | $65 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $144 |
Final thoughts on choosing car insurance in Connecticut
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Connecticut.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Connecticut. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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