Cheapest Car Insurance in Connecticut (2025)
Best cheap car insurance in Connecticut
Cheapest full-coverage car insurance in Connecticut: Travelers
State Farm has the next-cheapest full-coverage car insurance Full-coverage car insurance usually combines collision, comprehensive and liability coverages. Collision and comprehensive cover damage to your own vehicle. Liability covers injuries and damage you cause to others. rates of $140 a month.
Full-coverage car insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Travelers | $1,183 |  |
 | State Farm | $1,683 | |
 | Geico | $2,101 |  |
 | Amica | $2,597 | |
 | Progressive | $2,863 |  |
 | Farmers | $3,039 |  |
 | Allstate | $3,480 | |
 | USAA* | $1,653 | |
Along with cheaper rates, Travelers offers a few coverages you can’t get from State Farm. These include accident forgiveness, new car replacement and gap insurance.
On the other hand, State Farm has a better customer satisfaction rating than Travelers from J.D. Power.
Insurance companies’ rates vary by customer. This is why you should compare car insurance quotes from at least three companies when you shop or renew your policy.
Connecticut’s cheapest liability car insurance: Travelers
USAA has the second-cheapest liability insurance Liability car insurance covers injuries and damage you cause to others in an accident. It’s required by law. rates in Connecticut — however, USAA is only available to the military community.
Cheapest liability-only rates
| Company | Annual rate |
|---|---|
| Travelers | $569 |
| State Farm | $851 |
| Geico | $947 |
| Amica | $1,136 |
| Progressive | $1,455 |
| Allstate | $1,670 |
| Farmers | $1,952 |
| USAA* | $697 |
Best cheap car insurance for Connecticut teens: State Farm
Amica’s rates are only slightly higher at $232 a month. Of the two companies, however, Amica has a better rating for customer satisfaction.
Connecticut teens also find the cheapest full-coverage rates from State Farm, where rates average $435 a month. This is 20% less than Amica’s rate of $544 a month.
Annual car insurance rates for teens
| Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $2,731 | $5,222 |
| Amica | $2,782 | $6,527 |
| Geico | $3,241 | $7,189 |
| Allstate | $5,052 | $8,265 |
| Progressive | $5,099 | $12,526 |
| Travelers | $5,949 | $13,325 |
| Farmers | $8,275 | $11,703 |
| USAA* | $1,728 | $3,974 |
A lack of driving experience makes teens more likely to get into accidents than older drivers. This is the main reason why car insurance companies charge young drivers such high rates.
- Getting good grades
- Completing a driver education and/or driver training course
- Going off to college without a car
Cheapest Connecticut car insurance after a ticket: Travelers
A speeding ticket raises the average cost of car insurance in Connecticut by 21% to $235 a month.
Car insurance rates with a speeding ticket
| Company | Annual rate |
|---|---|
| Travelers | $1,598 |
| State Farm | $1,805 |
| Amica | $3,004 |
| Geico | $3,148 |
| Allstate | $3,480 |
| Progressive | $3,760 |
| Farmers | $3,877 |
| USAA* | $1,902 |
Best Connecticut insurance rates after an accident: Travelers
Car insurance rates with an accident
| Company | Annual rate |
|---|---|
| Travelers | $1,328 |
| State Farm | $1,683 |
| Geico | $3,773 |
| Amica | $3,918 |
| Progressive | $4,067 |
| Allstate | $6,360 |
| Farmers | $6,899 |
| USAA* | $2,343 |
An at-fault accident raises the price of car insurance by an average of 63% to $316 a month in Connecticut.
Adding accident forgiveness to your policy can protect you from an increase like this. With accident forgiveness, your first at-fault accident won’t make your rate go up.
Travelers and Progressive are among the companies that offer accident forgiveness. It usually costs extra, but Progressive offers paid and free options.
Cheap insurance for CT teens with a bad driving record: State Farm and Amica
Amica has the cheapest liability quotes of $246 a month for teens with a ticket. State Farm is right behind at $247 a month.
At $228 a month, State Farm has the cheapest liability rate for teens with an at-fault accident. This is 19% less than the next-cheapest rate of $279 a month from Amica.
Teen rates with a prior ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Amica | $2,958 | $3,353 |
| State Farm | $2,960 | $2,731 |
| Geico | $4,405 | $4,875 |
| Allstate | $5,052 | $10,146 |
| Progressive | $5,671 | $5,752 |
| Travelers | $6,837 | $6,505 |
| Farmers | $11,621 | $19,621 |
| USAA* | $1,839 | $2,052 |
Connecticut’s cheapest DUI car insurance: Travelers
A DUI (driving under the influence) conviction raises the average cost of insurance in Connecticut to $451 a month. This is nearly twice the rate you can get with a clean record.
CT insurance rates after a DUI
| Company | Annual rate |
|---|---|
| Travelers | $2,055 |
| Progressive | $3,291 |
| State Farm | $4,512 |
| Allstate | $5,044 |
| Farmers | $7,329 |
| Geico | $8,600 |
| Amica | $8,996 |
| USAA* | $3,422 |
Best Connecticut car insurance rates for bad credit: Travelers
Connecticut drivers with bad credit pay an average of $406 a month for full coverage. This is 78% more than drivers with good credit pay.
Factors like your payment history and the amounts you borrow can affect your car insurance rate. The good news is that you may get lower insurance rates after you pay down your debts and avoid late payments.
Insurance rates for bad credit
| Company | Annual rate |
|---|---|
| Travelers | $2,328 |
| Geico | $3,148 |
| Progressive | $4,177 |
| Allstate | $5,794 |
| Farmers | $6,084 |
| State Farm | $6,624 |
| Amica | $8,115 |
| USAA* | $2,726 |
Best car insurance companies in Connecticut
Travelers is available through independent insurance agents. Most independent agents can get you quotes from a few different companies, which makes it easier to comparison shop.
State Farm has exclusive agents. They can only give you State Farm quotes.
Connecticut car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Amica | 709 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Connecticut car insurance rates by city
At $264 a month, New Haven is Connecticut’s most expensive city for car insurance. Hartford and Bridgeport are close behind at $266 a month and $272 a month, respectively. The price of car insurance in all three cities is more than 35% higher than the state average.
Conning Towers Nautilus Park has the state’s cheapest car insurance — drivers there pay $2,046 a year. This works out to about $171 a month, which is 13% less than the state average.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Abington | $2,353 | 2% |
| Amston | $2,123 | -8% |
| Andover | $2,142 | -7% |
| Ansonia | $2,727 | 18% |
| Ashford | $2,095 | -9% |
| Avon | $2,181 | -5% |
| Ballouville | $2,382 | 3% |
| Baltic | $2,145 | -7% |
| Bantam | $2,234 | -3% |
| Barkhamsted | $2,222 | -4% |
| Beacon Falls | $2,546 | 11% |
| Berlin | $2,306 | 0% |
| Bethany | $2,706 | 17% |
| Bethel | $2,338 | 1% |
| Bethlehem | $2,303 | 0% |
| Bethlehem Village | $2,303 | 0% |
| Bloomfield | $2,620 | 14% |
| Blue Hills | $2,620 | 14% |
| Bolton | $2,097 | -9% |
| Botsford | $2,775 | 20% |
| Bozrah | $2,109 | -8% |
| Branford | $2,420 | 5% |
| Branford Center | $2,420 | 5% |
| Bridgeport | $3,258 | 41% |
| Bridgewater | $2,285 | -1% |
| Bristol | $2,337 | 1% |
| Broad Brook | $2,216 | -4% |
| Brookfield | $2,338 | 1% |
| Brooklyn | $2,120 | -8% |
| Burlington | $2,206 | -4% |
| Byram | $2,344 | 2% |
| Canaan | $2,191 | -5% |
| Canterbury | $2,095 | -9% |
| Canton | $2,175 | -6% |
| Canton Center | $2,414 | 5% |
| Canton Valley | $2,175 | -6% |
| Centerbrook | $2,094 | -9% |
| Central Village | $2,075 | -10% |
| Chaplin | $2,090 | -9% |
| Cheshire | $2,410 | 5% |
| Cheshire Village | $2,410 | 5% |
| Chester | $2,152 | -7% |
| Chester Center | $2,152 | -7% |
| Clinton | $2,120 | -8% |
| Cobalt | $2,362 | 3% |
| Colchester | $2,173 | -6% |
| Colebrook | $2,222 | -4% |
| Collinsville | $2,175 | -6% |
| Columbia | $2,105 | -9% |
| Conning Towers Nautilus Park | $2,046 | -11% |
| Cornwall Bridge | $2,243 | -3% |
| Cos Cob | $2,344 | 2% |
| Coventry | $2,111 | -8% |
| Coventry Lake | $2,111 | -8% |
| Cromwell | $2,284 | -1% |
| Crystal Lake | $2,102 | -9% |
| Danbury | $2,440 | 6% |
| Danielson | $2,123 | -8% |
| Darien | $2,272 | -1% |
| Dayville | $2,123 | -8% |
| Deep River | $2,090 | -9% |
| Deep River Center | $2,090 | -9% |
| Derby | $2,718 | 18% |
| Durham | $2,167 | -6% |
| East Berlin | $2,541 | 10% |
| East Brooklyn | $2,120 | -8% |
| East Canaan | $2,191 | -5% |
| East Glastonbury | $2,735 | 19% |
| East Granby | $2,156 | -6% |
| East Haddam | $2,151 | -7% |
| East Hampton | $2,217 | -4% |
| East Hartford | $2,666 | 16% |
| East Hartland | $2,149 | -7% |
| East Haven | $2,817 | 22% |
| East Killingly | $2,392 | 4% |
| East Lyme | $2,111 | -8% |
| East Windsor | $2,216 | -4% |
| East Windsor Hill | $2,468 | 7% |
| East Woodstock | $2,392 | 4% |
| Eastford | $2,144 | -7% |
| Easton | $2,374 | 3% |
| Ellington | $2,102 | -9% |
| Enfield | $2,171 | -6% |
| Essex Village | $2,094 | -9% |
| Fabyan | $2,392 | 4% |
| Fairfield | $2,461 | 7% |
| Falls Village | $2,201 | -4% |
| Farmington | $2,216 | -4% |
| Gales Ferry | $2,131 | -7% |
| Gaylordsville | $2,548 | 11% |
| Georgetown | $2,663 | 16% |
| Gilman | $2,363 | 3% |
| Glastonbury | $2,283 | -1% |
| Glastonbury Center | $2,283 | -1% |
| Glenville | $2,344 | 2% |
| Goshen | $2,211 | -4% |
| Granby | $2,127 | -8% |
| Greens Farms | $2,607 | 13% |
| Greenwich | $2,344 | 2% |
| Grosvenor Dale | $2,360 | 2% |
| Groton | $2,046 | -11% |
| Groton Long Point | $2,046 | -11% |
| Guilford | $2,292 | 0% |
| Guilford Center | $2,292 | 0% |
| Haddam | $2,180 | -5% |
| Hadlyme | $2,385 | 4% |
| Hamden | $2,844 | 23% |
| Hampton | $2,114 | -8% |
| Hanover | $2,369 | 3% |
| Hartford | $3,194 | 39% |
| Harwinton | $2,220 | -4% |
| Hawleyville | $2,771 | 20% |
| Hazardville | $2,171 | -6% |
| Hebron | $2,123 | -8% |
| Heritage Village | $2,355 | 2% |
| Higganum | $2,180 | -5% |
| Ivoryton | $2,094 | -9% |
| Jewett City | $2,152 | -7% |
| Kensington | $2,306 | 0% |
| Kent | $2,285 | -1% |
| Killingworth | $2,135 | -7% |
| Lake Pocotopaug | $2,217 | -4% |
| Lakeside | $2,509 | 9% |
| Lakeville | $2,201 | -4% |
| Lebanon | $2,100 | -9% |
| Ledyard | $2,131 | -7% |
| Litchfield | $2,234 | -3% |
| Long Hill | $2,046 | -11% |
| Madison | $2,207 | -4% |
| Madison Center | $2,207 | -4% |
| Manchester | $2,371 | 3% |
| Mansfield Center | $2,089 | -9% |
| Mansfield Depot | $2,352 | 2% |
| Marion | $2,516 | 9% |
| Marlborough | $2,151 | -7% |
| Mashantucket | $2,356 | 2% |
| Meriden | $2,502 | 9% |
| Middle Haddam | $2,468 | 7% |
| Middlebury | $2,643 | 15% |
| Middlefield | $2,279 | -1% |
| Middletown | $2,329 | 1% |
| Milford | $2,627 | 14% |
| Milldale | $2,758 | 20% |
| Monroe | $2,531 | 10% |
| Montville | $2,157 | -6% |
| Moodus | $2,151 | -7% |
| Moosup | $2,075 | -10% |
| Morris | $2,347 | 2% |
| Mystic | $2,068 | -10% |
| Naugatuck | $2,683 | 16% |
| New Britain | $2,625 | 14% |
| New Canaan | $2,281 | -1% |
| New Fairfield | $2,397 | 4% |
| New Hartford | $2,229 | -3% |
| New Hartford Center | $2,229 | -3% |
| New Haven | $3,173 | 38% |
| New London | $2,164 | -6% |
| New Milford | $2,295 | 0% |
| New Preston | $2,294 | 0% |
| New Preston Marble Dale | $2,521 | 9% |
| Newington | $2,398 | 4% |
| Newtown | $2,391 | 4% |
| Niantic | $2,111 | -8% |
| Noank | $2,046 | -11% |
| Norfolk | $2,211 | -4% |
| North Branford | $2,421 | 5% |
| North Canton | $2,406 | 4% |
| North Franklin | $2,137 | -7% |
| North Granby | $2,127 | -8% |
| North Grosvenor Dale | $2,137 | -7% |
| North Haven | $2,611 | 13% |
| North Stonington | $2,100 | -9% |
| North Westchester | $2,369 | 3% |
| North Windham | $2,097 | -9% |
| Northfield | $2,234 | -3% |
| Northford | $2,421 | 5% |
| Northwest Harwinton | $2,220 | -4% |
| Norwalk | $2,394 | 4% |
| Norwich | $2,210 | -4% |
| Oakdale | $2,157 | -6% |
| Oakville | $2,569 | 12% |
| Old Greenwich | $2,344 | 2% |
| Old Lyme | $2,129 | -8% |
| Old Mystic | $2,046 | -11% |
| Old Saybrook | $2,089 | -9% |
| Old Saybrook Center | $2,089 | -9% |
| Oneco | $2,382 | 3% |
| Orange | $2,625 | 14% |
| Oxford | $2,428 | 5% |
| Oxoboxo River | $2,157 | -6% |
| Pawcatuck | $2,091 | -9% |
| Pemberwick | $2,344 | 2% |
| Pequabuck | $2,532 | 10% |
| Pine Meadow | $2,459 | 7% |
| Plainfield | $2,075 | -10% |
| Plainfield Village | $2,075 | -10% |
| Plainville | $2,280 | -1% |
| Plantsville | $2,278 | -1% |
| Plymouth | $2,329 | 1% |
| Pomfret Center | $2,198 | -5% |
| Poquonock | $2,552 | 11% |
| Poquonock Bridge | $2,046 | -11% |
| Portland | $2,194 | -5% |
| Preston | $2,142 | -7% |
| Prospect | $2,599 | 13% |
| Putnam | $2,131 | -7% |
| Quaker Hill | $2,085 | -10% |
| Quinebaug | $2,268 | -2% |
| Redding | $2,313 | 0% |
| Redding Center | $2,578 | 12% |
| Redding Ridge | $2,579 | 12% |
| Ridgefield | $2,342 | 2% |
| Riverside | $2,344 | 2% |
| Riverton | $2,438 | 6% |
| Rockfall | $2,499 | 8% |
| Rockville | $2,174 | -6% |
| Rocky Hill | $2,308 | 0% |
| Rogers | $2,387 | 4% |
| Roxbury | $2,319 | 1% |
| Salem | $2,114 | -8% |
| Salisbury | $2,201 | -4% |
| Salmon Brook | $2,127 | -8% |
| Sandy Hook | $2,391 | 4% |
| Saybrook Manor | $2,089 | -9% |
| Scotland | $2,086 | -9% |
| Seymour | $2,692 | 17% |
| Sharon | $2,228 | -3% |
| Shelton | $2,518 | 9% |
| Sherman | $2,391 | 4% |
| Sherwood Manor | $2,171 | -6% |
| Simsbury | $2,158 | -6% |
| Simsbury Center | $2,158 | -6% |
| Somers | $2,114 | -8% |
| Somersville | $2,378 | 3% |
| South Britain | $2,885 | 25% |
| South Coventry | $2,111 | -8% |
| South Glastonbury | $2,283 | -1% |
| South Kent | $2,285 | -1% |
| South Lyme | $2,370 | 3% |
| South Willington | $2,379 | 3% |
| South Windham | $2,215 | -4% |
| South Windsor | $2,195 | -5% |
| South Woodstock | $2,142 | -7% |
| Southbury | $2,355 | 2% |
| Southington | $2,278 | -1% |
| Southport | $2,449 | 6% |
| Southwood Acres | $2,171 | -6% |
| Stafford Springs | $2,109 | -8% |
| Staffordville | $2,388 | 4% |
| Stamford | $2,589 | 12% |
| Sterling | $2,131 | -7% |
| Stevenson | $2,584 | 12% |
| Stonington | $2,091 | -9% |
| Storrs | $2,089 | -9% |
| Storrs Mansfield | $2,089 | -9% |
| Stratford | $2,681 | 16% |
| Suffield | $2,129 | -8% |
| Taconic | $2,476 | 7% |
| Taftville | $2,210 | -4% |
| Tariffville | $2,158 | -6% |
| Terramuggus | $2,151 | -7% |
| Terryville | $2,329 | 1% |
| Thomaston | $2,332 | 1% |
| Thompson | $2,137 | -7% |
| Thompsonville | $2,171 | -6% |
| Tolland | $2,092 | -9% |
| Torrington | $2,196 | -5% |
| Trumbull | $2,521 | 9% |
| Uncasville | $2,157 | -6% |
| Unionville | $2,216 | -4% |
| Vernon Rockville | $2,174 | -6% |
| Versailles | $2,379 | 3% |
| Voluntown | $2,169 | -6% |
| Wallingford | $2,425 | 5% |
| Wallingford Center | $2,425 | 5% |
| Washington | $2,294 | 0% |
| Washington Depot | $2,294 | 0% |
| Waterbury | $3,028 | 31% |
| Waterford | $2,085 | -10% |
| Watertown | $2,569 | 12% |
| Wauregan | $2,075 | -10% |
| Weatogue | $2,158 | -6% |
| West Cornwall | $2,236 | -3% |
| West Granby | $2,127 | -8% |
| West Hartford | $2,449 | 6% |
| West Hartland | $2,376 | 3% |
| West Haven | $2,893 | 26% |
| West Mystic | $2,338 | 2% |
| West Simsbury | $2,158 | -6% |
| West Suffield | $2,129 | -8% |
| Westbrook | $2,100 | -9% |
| Westbrook Center | $2,100 | -9% |
| Weston | $2,353 | 2% |
| Westport | $2,306 | 0% |
| Wethersfield | $2,419 | 5% |
| Willimantic | $2,092 | -9% |
| Willington | $2,079 | -10% |
| Wilton | $2,328 | 1% |
| Wilton Center | $2,328 | 1% |
| Winchester Center | $2,490 | 8% |
| Windham | $2,092 | -9% |
| Windsor | $2,458 | 7% |
| Windsor Locks | $2,202 | -4% |
| Winsted | $2,244 | -3% |
| Wolcott | $2,636 | 14% |
| Woodbridge | $2,723 | 18% |
| Woodbury | $2,275 | -1% |
| Woodbury Center | $2,275 | -1% |
| Woodmont | $2,627 | 14% |
| Woodstock | $2,142 | -7% |
| Woodstock Valley | $2,393 | 4% |
| Yantic | $2,342 | 2% |
Connecticut car insurance laws
Connecticut law requires you to have insurance to register your vehicle. The state also uses an online system to monitor your vehicle’s insurance status after that.
The verification system requires insurance companies to report new policies and cancellations to the DMV. You’ll get a warning letter if the system detects a lapse in your insurance. If this happens to you, you have 14 days to prove you have insurance.
The penalties for driving without insurance in Connecticut include a fine and possible suspension of your license or registration.
Minimum coverage for car insurance in Connecticut
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000 per person
- Uninsured motorist: $25,000 per person, $50,000 per accident
Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance. Even though insurance is required by law, about 10% of Connecticut’s drivers don’t have it, according to the Insurance Research Council.
Frequently asked questions
The average cost of car insurance for a typical Connecticut driver is $194 a month for full coverage. Minimum-liability policies average $97 a month. Drivers with a prior incident or bad credit usually pay more.
Travelers has the cheapest car insurance in Connecticut. Its full-coverage rates average $99 a month, while it charges an average of $47 a month for minimum-liability insurance.
No. Connecticut repealed its no-fault law in 1993. If you cause an accident, you’re financially responsible for injuries to other people and damage to their property. Your liability insurance covers these expenses, up to the limits you choose for your policy.