- The average cost of car insurance in Connecticut is $2,742 a year or $228 per month, based on our data analysis.
- Minimum liability coverage in Connecticut costs around $1,112 annually for limits of 25/50/25, while liability-only coverage costs $1,201 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in Connecticut, costing $1,621 per year.
- In Connecticut, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 31%, a DUI raising rates by 208%, and an at-fault accident by up to 69%.
Car insurance costs in Connecticut vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. GEICO offers the cheapest annual rates for full coverage car insurance in Connecticut at $1,621 annually.
This comprehensive guide to buying car insurance for Connecticut drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Connecticut works and how much insurance you need.
How much is car insurance in Connecticut?
CarInsurance.com data found that drivers in Connecticut pay $228 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Connecticut based on driver profile:
- Teen drivers in Connecticut pay the most — about $928 a month or $11,133 a year.
- Young drivers in their 20s pay an average of $437 monthly or $5,239 annually, for car insurance.
- Senior drivers pay around $234 monthly or $2,804 a year.
- A speeding ticket can increase your rates to $299 monthly or $3,593 annually.
- An at-fault accident increases car insurance rates to $386 a month or $4,632 a year.
- Poor credit drivers usually see their car insurance costs increase to $513 monthly or $6,157 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.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $93 | $1,112 |
| Liability Only – 50/100/50 BI/PD | $100 | $1,201 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $228 | $2,742 |
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.
In Connecticut, you can get state minimum car insurance for $1,112 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Connecticut must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Connecticut
According to CarInsurance.com data, liability-only car insurance costs $1,201 in Connecticut for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Connecticut
In Connecticut, you can expect to pay around $2,742 per year for full coverage car insurance for the 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 rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Connecticut have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
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 ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Connecticut by car model
In Connecticut, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle 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 $2,667 annually.
Car insurance for drivers aged 16-19 costs $8,466 more annually than Connecticut drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $11,133 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $4,944 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,667 per year in Connecticut.
- For senior drivers: Drivers age 65 and older can expect to pay $2,804 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 208% 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 31% 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 31% increase
- DUI conviction: 208% increase
- At-fault accident (bodily injury and property damage): 69% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Connecticut for high-risk drivers
High-risk drivers in Connecticut pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
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 the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and 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
In Connecticut, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Connecticut by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Connecticut, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $496 | $581 | $1,621 |
| Kemper | $649 | $760 | $1,861 |
| Nationwide | $1,456 | $1,282 | $2,684 |
| Allstate | $1,172 | $1,346 | $3,053 |
| Progressive | $1,360 | $1,483 | $3,323 |
| Amica | $1,185 | $1,355 | $3,324 |
| Farmers | $1,630 | $1,659 | $3,554 |
| State Farm | $1,484 | $1,738 | $3,620 |
| The Hanover | $2,569 | $0 | $0 |
| USAA | $543 | $616 | $1,634 |
Car insurance rates by city in Connecticut
Bridgeport is the priciest city in Connecticut for car insurance, costing an average of $3,752 annually. On the other hand, Bristol is the most affordable city, where drivers pay an average of $2,591 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.
The table below shows the average annual car insurance premiums for Connecticut’s largest 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?
The average cost of a full-coverage car insurance policy in Connecticut costs $228 monthly for coverage 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.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $93 |
| Liability Only – 50/100/50 BI/PD | $100 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $228 |
Final thoughts on choosing car insurance in Connecticut
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Connecticut.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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