- According to recent data, GEICO offers the cheapest full coverage car insurance in Connecticut at $103 per month.
- Connecticut drivers with a clean driving record pay 44% less for car insurance than drivers with a DUI.
- In Connecticut, the city of Groton has the most affordable car insurance rates at $1,496 annually.
- Comparing price quotes from multiple insurers can help you save up to 28% per year on your car insurance policy in Connecticut.
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 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.
Who pays a lower insurance premium in Connecticut?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 4% less than single drivers.
- Connecticut drivers with clean records pay 44% less than drivers who have a DUI on their records.
- 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 Connecticut companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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 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
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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 after a speeding ticket in Connecticut
If you’ve got a speeding ticket on your Connecticut driving record and need affordable car insurance, GEICO might be the answer. With an average annual rate of $1,101, GEICO offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Connecticut.
| 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.
Cheap car insurance rates after a DUI conviction in Connecticut
CarInsurance.com analyzed insurance rates for Connecticut drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $603. Progressive is the second-cheapest insurer at an average of $1,669 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 44% less than drivers with a DUI on their record.
| 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
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
Average savings on car insurance in Connecticut
If you compare car insurance quotes, you could enjoy an annual saving of around 28% on a full coverage policy in Connecticut.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Connecticut: Save on premiums
Connecticut drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Connecticut.
| 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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