The cheapest car insurance in Connecticut costs $103 per month for a full coverage policy from Geico. That’s a $41 savings from the average cost of insurance in the state, which is $144 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Connecticut including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- 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.
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 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
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 car insurance in Connecticut
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Connecticut from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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
In Connecticut, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Connecticut, drivers with a history of such violations typically pay $603 more annually than drivers with clean records.
Cheap car insurance in Connecticut after a speeding ticket
If you have a speeding ticket on your Connecticut driving record and you are looking for cheap car insurance, Geico offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,101 per 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.
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 $1,555. 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 rates after an at-fault accident in Connecticut
Geico 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
Which cities in Connecticut have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Connecticut is Groton, at $1,496 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Connecticut with the lowest auto 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 |
A detailed guide on the 10 most important 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
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 car insurance in Connecticut
Based on our research, if you are a good driver, Geico is the cheapest in Connecticut for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Connecticut is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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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