How to Compare Car Insurance Rates 2024
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheapest Car Insurance in Connecticut (2004)

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Content was accurate at the time of publication.

State Farm has the cheapest full-coverage car insurance quotes for most Connecticut drivers, averaging $1,446 a year. Geico is next at $1,716, followed by Farmers at $2,392.

Find the Cheapest Car Insurance Quotes in Connecticut

Most Connecticut drivers get the cheapest full-coverage car insurance with State Farm, which charges $1,446 a year, on average.

Geico also offers the state’s drivers affordable full-coverage policies at an average rate of $1,716 a year.

USAA’s rates are the cheapest overall in Connecticut, at $1,440 a year, but the company only sells car insurance to active and veteran military as well as their families.

To compare, the average Connecticut driver pays $2,346 a year for full-coverage car insurance.

Cheapest companies for full-coverage car insurance

CompanyAverage annual rate
State Farm$1,446
Geico$1,716
Farmers$2,392
Amica$2,431
Nationwide$2,730
Allstate$2,857
Progressive$3,756
USAA*$1,440

Full-coverage car insurance combines liability with collision and comprehensive coverages. Collision coverage pays to repair your own vehicle after an accident. Comprehensive coverage pays for damage from noncollision events, like a fallen tree branch, auto theft or vandalism.

Connecticut doesn’t require drivers to carry full-coverage car insurance, but if you financed your car, your lender would usually require you to carry full coverage until your loan is paid off.

State Farm has the cheapest annual rate for liability car insurance in Connecticut, at an average of $713 a year.

Geico is the second-cheapest at $767 a year. The average cost of liability auto insurance in Connecticut is $1,088 a year.

Cheapest companies for liability car insurance

CompanyAverage annual rate
State Farm$713
Geico$767
Amica$1,056
Allstate$1,280
Progressive$1,360
Nationwide$1,411
Farmers$1,484
USAA*$633

Liability car insurance covers injuries and property damage you cause to others in an accident. Unlike full-coverage car insurance, liability doesn’t cover damage to you or your car.

Connecticut teens looking for cheap auto insurance get the lowest rate with State Farm, at an average of $2,272 a year.

Geico has the next-cheapest rate of $2,559 a year.

Cheapest liability car insurance companies for young drivers

CompanyAverage annual rate
State Farm$2,272
Geico$2,559
Amica$2,589
Allstate$3,839
Nationwide$5,531
Progressive$5,929
Farmers$6,245
USAA*$1,563

Teens pay the highest rates for car insurance of any age range. This is because they’re involved in more accidents than older drivers. An 18-year-old driver in Connecticut pays an average of $3,816 a year for liability car insurance.

If you’re looking to save money on car insurance for a teen in your home, put them on your current policy. This will raise your premium, but it should still be cheaper than if your teen bought their own policy.

Find the Cheapest Car Insurance Quotes in Connecticut

After a speeding ticket, drivers in Connecticut can find the lowest full-coverage car insurance quote with State Farm, at $1,549 a year, on average.

Geico is the next-cheapest choice at $2,568 a year.

Cheapest car insurance companies after a ticket

CompanyAverage annual rate
State Farm$1,549
Geico$2,568
Nationwide$2,730
Amica$2,812
Farmers$2,854
Allstate$2,857
Progressive$4,951
USAA*$1,654

A speeding ticket stays on your driving record for two years in Connecticut. During that time, you will probably pay high car insurance rates.

Connecticut drivers with an at-fault car accident on their record get the cheapest car insurance with State Farm, at an average of $1,549 a year.

The next-cheapest rate is Geico, at $3,063 a year.

Cheapest car insurance companies after an accident

CompanyAverage annual rate
State Farm$1,549
Geico$3,063
Amica$3,670
Nationwide$4,159
Farmers$5,115
Allstate$5,180
Progressive$5,551
USAA*$2,037

Your car insurance rate may not go up if you didn’t cause the accident. You should expect it to increase with an at-fault accident, though, as most car insurance companies will then see you as a high-risk driver.

State Farm has the cheapest car insurance for drivers with a DUI (driving under the influence) conviction in Connecticut, at an average of $4,129 a year.

Progressive is the next-lowest at $4,468 a year.

Cheapest car insurance companies after a DUI

CompanyAverage annual rate
Allstate$4,129
Progressive$4,468
Nationwide$5,250
Farmers$5,353
State Farm$6,762
Geico$6,895
Amica$8,439
USAA*$2,977

A DUI stays on your car insurance record for three to five years in Connecticut. During that time, you can expect to pay higher car insurance rates.

Connecticut drivers with a poor credit rating pay the cheapest rate for auto insurance with Geico, at an average of $2,568 a year.

Nationwide is the next-best option, at an average of $4,179 a year.

Cheapest car insurance companies for drivers with poor credit

CompanyAverage annual rate
Geico$2,568
Nationwide$4,179
Allstate$4,749
Farmers$4,776
Progressive$5,386
State Farm$5,666
Amica$7,570
USAA*$2,363

Car insurance companies see a link between credit rating and the risk of filing a claim. The worse your credit rating, the more you’ll usually pay for car insurance. Insurance companies can’t do this everywhere, as some states ban or limit credit-based insurance scoring.

Of the 25 biggest cities in Connecticut, New London has the cheapest average rate for auto insurance, at $2,161 a year.

Bridgeport has the highest average auto insurance rate, at $3,230 a year.

Cheapest car insurance rates by city

CityAverage annual rate
Bridgeport$3,230
Bristol$2,347
Danbury$2,413
East Hartford$2,683
East Haven$2,846
Hartford$3,179
Manchester$2,396
Meriden$2,467
Middletown$2,344
Milford$2,636
Naugatuck$2,738
New Britain$2,596
New Haven$3,202
New London$2,161
Newington$2,345
Norfolk$2,216
North Haven$2,660
Norwich$2,221
Shelton$2,506
Stamford$2,570
Torrington$2,232
Waterbury$3,020
West Hartford$2,408
West Haven$2,911
Wethersfield$2,372

Connecticut’s required liability car insurance limits are:

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per accident
  • $25,000 property damage coverage
  • $25,000 per person/$50,000 per accident uninsured motorist coverage

Methodology

LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of car insurance quotes for sample drivers. Your rates may vary.

Unless stated otherwise, we used thousands of car insurance quotes from across Connecticut for a 30-year-old man. Our sample driver has good credit and no tickets, accidents or convictions for driving under the influence. Our sample vehicle is a 2015 Honda Civic EX. Our sample teen driver is an 18-year-old male with a clean driving record.

Full-coverage policies include:

  • Bodily injury liability: 50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive $500 deductible

*USAA is only available to active duty military, veterans and their families.