The cheapest full coverage car insurance in Connecticut is $103, saving you $41 compared to the average cost of insurance in the state, which is around $144 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Connecticut, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- Among the companies analyzed by CarInsurance.com, GEICO stands out as the cheapest option for full coverage car insurance in Connecticut, with an insurance premium of $103 per month.
- Drivers in Connecticut with a clean record pay 44% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Connecticut is Groton, with an annual premium of $1,496.
- Connecticut drivers can save up to 28% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance in Connecticut?
GEICO offers the cheapest car insurance rates in Connecticut for a full coverage policy with an average premium of $103 per month or around $1,242 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Connecticut by different insurance carriers for a full coverage policy.
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.
Connecticut drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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 insurers for different coverage levels in Connecticut
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in 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 up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Connecticut
In Connecticut, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists Connecticut’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 Connecticut insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Connecticut’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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
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 companies in Connecticut after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is $603, at $1,348 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,555.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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
Cities with the lowest auto insurance rates in Connecticut
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Connecticut, Groton stands out as the city with the lowest auto insurance rates, at an average of $1,496 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Connecticut with the most affordable 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 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on auto insurance in Connecticut?
Shopping around for car insurance quotes in Connecticut can help drivers save 28% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Connecticut: Save on premiums
Car insurance discounts in Connecticut can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Connecticut.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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 |
The bottom line on cheap auto insurance in Connecticut
Based on our findings, GEICO provides the cheapest rates for a full coverage policy in Connecticut if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Connecticut, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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.
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