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.
- 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.
Car insurance companies with cheap car insurance in Connecticut
Geico has the cheapest full coverage car insurance in Connecticut, at an average premium of $103 per month or around $1,242 per year, based on CarInsurance.com data.
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.
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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 Connecticut companies for different coverage levels
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.
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
Below, you’ll see average annual rates for major insurance providers in Connecticut, ranked from cheapest to most expensive for 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 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 car insurance companies in Connecticut for full coverage
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.
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
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.
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 in Connecticut after a speeding ticket
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.
Cheapest car insurance premiums in Connecticut after a DUI conviction
State Farm offers the cheapest car insurance to Connecticut drivers with a DUI conviction at $1,555 per year and Progressive has the second-cheapest insurance premiums at $1,669 a year, 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
If you’re a driver with an at-fault accident on your record, Geico is the cheapest option, offering car insurance at an average cost of $1,348 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via 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.
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.
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
Average savings on car insurance in Connecticut
Shopping around for car insurance quotes in Connecticut can help drivers save 28% annually on full coverage policies.
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 |
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.
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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Connecticut