In Connecticut, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Connecticut by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Connecticut
The Honda CR-V and Volkswagen Tiguan are the cheapest vehicles to insure in Connecticut, closely followed by the Subaru Forester and Honda HR-V, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Connecticut and their average six-month full coverage 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
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with 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
In Connecticut, the Honda CR-V and Volkswagen Tiguan are some of the most affordable SUVs to insure with an average six-month full coverage cost of $1,007 and $1,017 respectively. See the table below for the complete list of affordable SUVs to insure.
| 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
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,227.
The table below compares car insurance rates for different sports cars in Connecticut
| 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 vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $1,175, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Mercedes-Benz GLA-Class at $1,200 and the Cadillac XT4 at $1,213.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| 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
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $3,403 a year or $284 a month.
Below is a list of the most affordable EVs to insure in Connecticut for a full coverage policy and average six-month premiums.
| 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
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $3,970 to insure a Honda CR-V, while insuring a Volkswagen Tiguan costs $4,067 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance 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
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Connecticut?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,125 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $1,230 for the Kia Niro EV for the same coverage.
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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