- GEICO has the cheapest car insurance rates in Connecticut for full coverage at $103 a month among the companies analyzed by the team of CarInsurance.com.
- In Connecticut, drivers with clean driving records pay 44% less than drivers with a DUI.
- The city of Groton has the lowest auto insurance rates in Connecticut, with an average premium of $1,496 per year.
- You can save up to 28% per year on your car insurance policy in Connecticut by comparing price quotes from multiple insurers.
You can find the cheapest full-coverage car insurance in Connecticut for $103 a month from GEICO. It saves you $41 compared to the state average car insurance cost of $144 monthly.
Shopping for car insurance in Connecticut can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Connecticut should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Which company offers the cheapest car insurance rates in Connecticut?
Based on data analysis by CarInsurance.com, GEICO provides the cheapest full coverage auto insurance rates for Connecticut drivers at a monthly rate of $103 or $1,242 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Connecticut.
Cheapest car insurance rates in Connecticut per month
| Company | Full coverage monthly rates |
|---|---|
| GEICO | $103 |
| Kemper Insurance | $131 |
| Progressive | $142 |
| State Farm | $144 |
| Nationwide | $147 |
| Farmers | $183 |
| Allstate | $183 |
| Amica Mutual | $210 |
| USAA* | $51 |
Note: USAA is only available to military community members and their families.
Who pays the lowest auto insurance premiums in Connecticut?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 4% less than single drivers.
- Connecticut drivers with clean records pay 44% less than drivers who have a DUI on their record.
- Connecticut drivers in their 20s pay 68% lower rates for insurance than a 16-year-old in Connecticut.
- Adding a teen to your policy will cost you 83% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 23% less on their insurance premiums.
- Drivers insured for three or more years can save up to 24% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest companies for different coverage levels in Connecticut
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- GEICO is the cheapest for a state minimum policy.
- GEICO has the cheapest rates for a liability-only policy (50/100/50).
- GEICO offers the cheapest car insurance for a full coverage policy (100/300/100) in Connecticut.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Connecticut
Connecticut requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Connecticut, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| GEICO | $384 |
| Kemper Insurance | $562 |
| State Farm | $613 |
| Amica Mutual | $731 |
| Allstate | $732 |
| Nationwide | $808 |
| Progressive | $881 |
| Farmers | $921 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Connecticut
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Connecticut, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| GEICO | $463 |
| Kemper Insurance | $658 |
| State Farm | $718 |
| Allstate | $831 |
| Amica Mutual | $854 |
| Nationwide | $867 |
| Farmers | $929 |
| Progressive | $940 |
| The Hanover | $1,354 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Connecticut
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Connecticut, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| GEICO | $1,242 |
| Kemper Insurance | $1,571 |
| Progressive | $1,708 |
| State Farm | $1,733 |
| Nationwide | $1,766 |
| Farmers | $2,192 |
| Allstate | $2,195 |
| Amica Mutual | $2,516 |
| USAA* | $606 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Speak with a friendly agent and get your quote in minutes!
Cheapest car insurance in Connecticut, by driving history
Your driving history affects how much you pay for insurance in Connecticut because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $603 more annually in Connecticut than an individual with a clean driving record.
Cheap car insurance rates in Connecticut after a speeding ticket
A speeding ticket can impact your Connecticut car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, GEICO has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,101 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| GEICO | $972 | $1,101 | 13% | $129 |
| State Farm | $1,428 | $1,555 | 9% | $128 |
| Progressive | $1,447 | $1,805 | 25% | $358 |
| Kemper Insurance | $1,258 | $1,885 | 50% | $627 |
| Nationwide | $1,675 | $2,269 | 35% | $594 |
| USAA* | $1,256 | $1,439 | 15% | $183 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Connecticut after a DUI conviction
Connecticut drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $603 a year, followed by Progressive with an annual premium of $1,669 annually, based on recent data.
If you have a clean record, you are likely to pay 44% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,428 | $1,555 | 9% | $128 |
| Progressive | $1,447 | $1,669 | 15% | $222 |
| Kemper Insurance | $1,258 | $2,691 | 114% | $1,433 |
| Allstate | $2,152 | $3,059 | 42% | $906 |
| GEICO | $972 | $3,135 | 223% | $2,163 |
| Nationwide | $1,675 | $3,456 | 106% | $1,781 |
| USAA* | $1,256 | $2,548 | 103% | $1,292 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Connecticut
$603 is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,348.
State Farm is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,555.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| GEICO | $972 | $1,348 | 39% | $376 |
| State Farm | $1,428 | $1,555 | 9% | $128 |
| Kemper Insurance | $1,258 | $1,960 | 56% | $702 |
| Progressive | $1,447 | $2,410 | 67% | $963 |
| Nationwide | $1,675 | $2,773 | 66% | $1,098 |
| Allstate | $2,152 | $3,477 | 62% | $1,325 |
| USAA* | $1,256 | $1,859 | 48% | $603 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Connecticut cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Groton is the city with the lowest premiums in Connecticut at an annual auto insurance rate of $1,496.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Connecticut cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Groton | $1,496 |
| Old Mystic | $1,496 |
| Pawcatuck | $1,498 |
| Stonington | $1,498 |
| Old Saybrook | $1,507 |
| Deep River | $1,512 |
| Quaker Hill | $1,512 |
| Waterford | $1,512 |
| Central Village | $1,513 |
| Moosup | $1,513 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in Connecticut?
By comparing car insurance quotes, you can save an average of 28% per year for a full coverage policy in Connecticut.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Connecticut: Save on premiums
In Connecticut, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Connecticut below.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 1% | $13 |
| Anti-theft device | 1% | $28 |
| Daily commute | 7% | $143 |
| Days advanced purchase | 7% | $182 |
| Days per week driven | 4% | $58 |
| Education | 6% | $86 |
| Electronic funds transfer | 4% | $89 |
| Electronic signature | 8% | $130 |
| Homeowner | 7% | $195 |
| Lower annual mileage | 9% | $166 |
| Loyalty – years renewal with company | 15% | $316 |
| Marital status | 4% | $91 |
| Multi policy | 10% | $260 |
| Paperless/electornic documents | 3% | $75 |
| Payment type | 7% | $225 |
| Primary use | 11% | $217 |
| Profession | 8% | $126 |
| Purchase status | 13% | $317 |
| Safety devices | 2% | $36 |
| Telematics | 11% | $200 |
| Vehicle ownership | 25% | $620 |
| Years insured | 23% | $789 |
| Years licensed | 21% | $988 |
Final thoughts on cheap car insurance in Connecticut
Our research shows that GEICO has the cheapest full coverage car insurance rates in Connecticut for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Connecticut, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Connecticut for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
