The type of vehicle you own in Connecticut can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Connecticut for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Connecticut
Our analysis shows that the Honda CR-V and the Volkswagen Tiguan have the lowest average insurance costs in Connecticut, with Subaru Forester and Honda HR-V close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Connecticut and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda CR-V | $1,007 |
| Volkswagen Tiguan | $1,017 |
| Subaru Forester | $1,022 |
| Honda HR-V | $1,033 |
| Chevrolet Express | $1,052 |
| Subaru Outback | $1,053 |
| Chevrolet TrailBlazer | $1,055 |
| Honda Pilot | $1,072 |
| Ford Ranger | $1,072 |
| Hyundai Kona | $1,075 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Connecticut
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Connecticut
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $1,101. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $1,134, followed by Honda Civic Sedan, which costs $1,135 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Connecticut and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,101 |
| Nissan Versa | $1,134 |
| Honda Civic Sedan | $1,135 |
| Volkswagen Jetta | $1,146 |
| Honda Accord | $1,178 |
| Kia Forte | $1,189 |
| Nissan Sentra | $1,203 |
| Chevrolet Malibu | $1,220 |
| Volkswagen Jetta GLI | $1,235 |
| Toyota Camry | $1,240 |
| Nissan Altima | $1,240 |
| Hyundai Elantra | $1,247 |
| Mazda 3 Sedan | $1,288 |
| Mitsubishi Mirage G4 | $1,290 |
| Toyota Corolla | $1,298 |
| Kia K5 | $1,342 |
| Hyundai Sonata | $1,414 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Connecticut
The Honda CR-V and Volkswagen Tiguan have the lowest car insurance rates, at $1,007 and $1,017, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $1,007 |
| Volkswagen Tiguan | $1,017 |
| Subaru Forester | $1,022 |
| Honda HR-V | $1,033 |
| Chevrolet TrailBlazer | $1,055 |
| Honda Pilot | $1,072 |
| Hyundai Kona | $1,075 |
| Toyota RAV4 | $1,078 |
| Chevrolet Equinox | $1,081 |
| Hyundai Tucson | $1,082 |
| Mazda CX-5 | $1,083 |
| Chevrolet Trax | $1,092 |
| Kia Sportage | $1,093 |
| Volkswagen Taos | $1,093 |
| Kia Seltos | $1,098 |
| Subaru Crosstrek | $1,103 |
| Volkswagen Atlas | $1,110 |
| Toyota Corolla Cross | $1,114 |
| Nissan Murano | $1,115 |
| Volkswagen Atlas Cross Sport | $1,116 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Connecticut
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,227.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,227 |
| Chevrolet Camaro | $1,365 |
| Honda Civic Si | $1,423 |
| Ford Mustang | $1,501 |
| Subaru BRZ | $1,556 |
| Porsche 718 Boxster | $1,579 |
| BMW Z4 | $1,582 |
| Toyota GR Supra | $1,585 |
| Honda Civic Type R | $1,610 |
| Toyota GR Corolla | $1,672 |
| Chevrolet Corvette | $1,682 |
| Toyota GR86 | $1,696 |
| Subaru WRX | $1,705 |
| Porsche 718 Cayman | $1,750 |
| Chevrolet Camaro ZL1 | $1,887 |
| Jaguar F-Type | $2,120 |
| Nissan Z | $2,249 |
| Chevrolet Corvette Z06 | $2,281 |
| Porsche 911 | $2,431 |
| Porsche 911 Turbo | $2,642 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Connecticut
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,175 for a six-month full coverage policy. The Mercedes-Benz GLA-Class and Cadillac XT4 also have affordable insurance rates at $1,200 and $1,213, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,175 |
| Mercedes-Benz GLA-Class | $1,200 |
| Cadillac XT4 | $1,213 |
| Audi Q3 | $1,251 |
| Cadillac XT5 | $1,252 |
| Acura MDX | $1,260 |
| Volvo XC40 | $1,266 |
| Land Rover Discovery Sport | $1,294 |
| Jaguar E-Pace | $1,295 |
| BMW X3 | $1,297 |
| BMW X1 | $1,319 |
| Infiniti QX50 | $1,327 |
| Mercedes-Benz GLB-Class | $1,328 |
| Lincoln Corsair | $1,342 |
| Cadillac XT6 | $1,349 |
| BMW X2 | $1,354 |
| Lexus NX | $1,355 |
| Lexus RX | $1,361 |
| Alfa-Romeo Tonale | $1,372 |
| Mercedes-Benz CLA-Class | $1,379 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Connecticut
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $3,403 annually, or $284 monthly.
The table below lists the most affordable EVs to insure in Connecticut and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,125 |
| Kia Niro EV | $1,230 |
| Chevrolet Silverado EV | $1,235 |
| Nissan Leaf | $1,264 |
| Volkswagen ID.4 | $1,328 |
| Toyota bZ4X | $1,382 |
| Subaru Solterra | $1,410 |
| Hyundai Ioniq 5 | $1,411 |
| Hyundai Kona Electric | $1,414 |
| Chevrolet Blazer EV | $1,437 |
| Genesis Electrified GV70 | $1,449 |
| Ford F-150 Lightning | $1,462 |
| Kia EV6 | $1,486 |
| Volvo XC40 Recharge | $1,487 |
| Hyundai Ioniq 6 | $1,489 |
| Mercedes-Benz EQB | $1,501 |
| Ford Mustang Mach-E | $1,520 |
| Jaguar I-Pace | $1,536 |
| Audi Q4 e-tron | $1,539 |
| Volvo C40 Recharge | $1,566 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Connecticut
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Honda CR-V costs an average of $3,970 to insure for an 18-year-old driver, whereas a Volkswagen Tiguan costs an average of $4,067 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Connecticut?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,125 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $1,230, according to our analysis.
Which SUVs are the cheapest to insure in Connecticut?
The Honda CR-V is one of the cheapest SUVs to insure in Connecticut, with an average cost of $1,007 for a six-month car insurance plan. The Volkswagen Tiguan and Subaru Forester also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Connecticut?
The Honda CR-V, Volkswagen Tiguan, Subaru Forester and Subaru Outback are some of the cheapest cars to insure for an 18-year-old driver in Connecticut. On the other hand, Mercedes-AMG EQS, Mercedes-AMG G63 and Audi e-tron GT are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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