Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Geico offers the most affordable car insurance at $1,242 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Connecticut. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Connecticut and how much you need.
- The average cost of car insurance in Connecticut is $1,725 a year or $144 per month, based on our data analysis.
- Minimum liability coverage in Connecticut costs around $704 annually for limits of 25/50/25, while liability-only coverage costs $783 per year for limits of 50/100/50.
- Geico provides the most affordable annual rates for full coverage car insurance in Connecticut, costing $1,242 per year.
- In Connecticut, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 20%, a DUI raising rates by 78%, and an at-fault accident by up to 51%.
How much is car insurance in Connecticut?
According to CarInsurance.com data, drivers in Connecticut pay about $144 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Connecticut based on driver profile:
- Teen drivers in Connecticut pay the most — about $590 a month or $7,078 a year.
- Young drivers in their 20s pay an average of $253 monthly or $3,037 annually, for car insurance.
- Senior drivers pay around $150 monthly or $1,802 a year.
- A speeding ticket can increase your rates to $195 monthly or $2,342 annually.
- An at-fault accident increases car insurance rates to $229 a month or $2,750 a year.
- Poor credit drivers usually see their car insurance costs increase to $317 monthly or $3,802 annually.
Average cost of auto insurance in Connecticut by coverage level
In Connecticut, the cost of car insurance can vary depending on how much coverage you purchase. Connecticut drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Connecticut. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Connecticut for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $59 | $704 |
| Liability Only – 50/100/50 BI/PD | $65 | $783 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $144 | $1,725 |
State minimum car insurance in Connecticut
Connecticut laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
The state minimum coverage in Connecticut costs $704 a year but doesn’t provide much protection for drivers. Connecticut drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Connecticut must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Connecticut
Liability-only car insurance costs $783 in Connecticut for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Connecticut
The average annual premium in Connecticut is $1,725 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Connecticut
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Connecticut pay more for premiums than those in lower-risk areas.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Connecticut
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
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Estimate car insurance in Connecticut by car model
Connecticut car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much car insurance costs for your car make and model in Connecticut.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Connecticut
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Connecticut drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,686 annually.
Drivers aged 16-19 pay $5,392 more for car insurance than Connecticut drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $7,078 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,880 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,686 annually in Connecticut.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,802 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Connecticut
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Connecticut can increase your premiums by up to 78% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Connecticut, you’ll likely see an increase in your car insurance premium by up to 20% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Connecticut after driving incidents:
- Speeding ticket: Up to 20% increase
- DUI conviction: 78% increase
- At-fault accident (bodily injury and property damage): 51% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Connecticut for high-risk drivers
In Connecticut, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Connecticut
Drivers in Connecticut can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Begin your search for the top car insurance policy in Connecticut by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Connecticut and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $384 | $463 | $1,242 |
| Kemper Insurance | $562 | $658 | $1,571 |
| Progressive | $881 | $940 | $1,708 |
| State Farm | $613 | $718 | $1,733 |
| Nationwide | $808 | $867 | $1,766 |
| Farmers | $921 | $929 | $2,192 |
| Allstate | $732 | $831 | $2,195 |
| Amica Mutual | $731 | $854 | $2,516 |
Car insurance rates by city in Connecticut
Bridgeport is the priciest city in Connecticut for car insurance, costing an average of $2,334 annually. On the other hand, Groton is the most affordable city, where drivers pay an average of $1,496 per year for car insurance.
Car insurance premiums differ across cities in Connecticut and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Find below the average annual car insurance cost for drivers in some of Connecticut’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Connecticut per month?
Car insurance in Connecticut costs an average of $144 a month for a full coverage policy with limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $59 |
| Liability Only – 50/100/50 BI/PD | $65 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $144 |
Final thoughts on choosing car insurance in Connecticut
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Connecticut. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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