The best, cheapest car insurance in Connecticut

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Best car insurance company in Connecticut

Drivers in Connecticut pay an average of $1,725 a year or $144 a month for car insurance coverage which makes it the 35^th most expensive state in the country.

Even though car insurance is pretty expensive in Connecticut, it’s possible to find affordable coverage with top insurers such as GEICO, Kemper Insurance, Progressive, and other insurers.

GEICO is our choice for the best car insurance in Connecticut. It finished first in our rankings with 4.51 out of 5 stars and an average premium of $1,242 a year, or $104 a month, which is $483 less than the state average.

State Farm was second with a score of 4.18 stars followed by Progressive with 3.91 stars.

The best car insurance companies in Connecticut

How we picked the top auto insurance companies

When choosing the top car insurance companies in the state, we not only looked at the average cost of coverage but also J.D. Power customer satisfaction scores, AM Best financial strength ratings and National Association of Insurance Commissioners (NAIC) complaint rankings. National averages were used where state and regional data was not available.

For each of the four metrics, we gave companies in each state from 1 to 5 (5 being the best) based on how they performed in each category. Those components were then given the following weights to arrive at an overall star rating.

• Premiums: 25%
• JD Power: 30%
• AM Best: 25%
• NAIC: 20%

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Cheapest car insurance in Connecticut

GEICO is the cheapest option for car insurance in Connecticut.

Insurers consider a wide variety of factors when setting a premium including your driving record, credit score, age and marital status as well the vehicle. Where you live also affects rates.

“States that have a higher rate of severe weather that damages cars or helps cause accidents will typically have higher rates,” says Chong Gao, director of product management R&D at Mercury Insurance. “Florida, for example, is prone to extreme weather like hurricanes and its car insurance costs are consequently much higher.”

Insurance companies crunch all this data with proprietary algorithms, which can result in dramatic differences in premium quotes.

The numbers highlight these differences. Amica Mutual is the most expensive insurer in Connecticut with an average premium of $2,516 a year.

On the other hand, as mentioned above, the average premium for GEICO policyholders in Connecticut is $1,242 a year. Kemper Insurance had the second cheapest coverage in Connecticut at $1,571 and Progressive rounded out the top three cheapest at $1,708.

Below is a list of the cheapest full-coverage car insurance rates in Connecticut for a 40-year-old driver of a 2023 Honda Accord LX.

Cheapest full-coverage insurance in Connecticut

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

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Full coverage car insurance in Connecticut

As noted, the rates above are for full coverage car insurance. Residents of Connecticut will often be advised to get full coverage, which includes both liability protection as well as collision and comprehensive. Liability helps pay medical and legal bills for injuries or damages you are responsible for after an accident. However, liability doesn’t cover damage to your vehicle or your injuries.

Collision will pay to repair your vehicle if it is damaged after colliding with another vehicle or object. Comprehensive covers perils such as fire, theft, flooding, vandalism and more.

You can find out more about liability, collision, and comprehensive coverage here.

Shopping for car insurance in Connecticut

Shopping around for coverage is a great way to make sure you are getting the best rates on your auto insurance. Experts often tell consumers to shop for insurance yearly. But that doesn’t necessarily mean you should be looking to switch.

“I recommend that people stay with the same insurance company, as they tend to get a better rate when they have been with the same carrier for more than 12 months. The more tenure you have with a carrier, the more potential there is to earn benefits,” says Tim Bottini, a Country Financial insurance agent based in St. Louis. “The carrier can also review your claims history and provide information about applicable discounts.”

But make sure you are comparing like coverage levels and deductibles.

“It is extremely important to make sure you start off with an apples-to-apples comparison,” Bottini says. However, if a person has low limits, say 25/50/25 – limit per person/per occurrence/limit for property damage – he will recommend higher coverage.

“Depending on their age/income and profession,” he says, “I would quote higher limits to protect their net worth and earnings potential.”

Bottini also says people can save money on their car insurance by keeping their credit score up, following the speed limit and placing both home and auto insurance with the same carrier.

Cheapest car insurance in Connecticut by age

Insurance companies consider your age when setting a premium and teens and young adults pay more for coverage as statistics show that young drivers, because they are inexperienced, have more accidents and claims.

Regardless of your age, in Connecticut, GEICO is the most affordable coverage with an average rate of $1,242 a year.

As teens transition into young adults and get more experience under their belt rates start to drop. By their mid to late-20s – assuming they keep their record clean – driver rates should stabilize and then stay stable until the driver moves into their 70s when rates will start climbing again.

Cheapest car insurance for senior drivers in Connecticut

Seniors in the state pay more for coverage than all other driver groups, except for teens. GEICO is the most affordable option for seniors with a yearly premium of $1,470 or $123 a month. Kemper Insurance was the second cheapest at $1,667 and State Farm rounded out the top three at $1,708.

Seniors tend to pay more for coverage due to age. Many seniors suffer from vision and hearing issues as well as slowing reflexes. In addition, medications they may take can impact their driving. All of these factors combined lead to more accidents and claims which will result in a higher premium.

The chart below shows the average premium for senior drivers.

Average rates for seniors in Connecticut

Car insurance for young drivers in Connecticut

Young drivers (21-25) have seen their premiums drop from their teen years, but they still pay more than more experienced drivers. In Connecticut, GEICO is the cheapest option for young adults with a yearly premium of $2,227 or $186 a month.

Progressive is the next most affordable with an average rate of $2,703 followed by State Farm at $2,936.

Young drivers who maintain a clean driving record can expect their rates to drop even more as they reach their late 20s.

The table below shows the best insurers for young drivers in Connecticut:

Average rates for young drivers in Connecticut

Car insurance for teen drivers in Connecticut

Adding a teen to a car insurance policy will always push up the rate. Teens are the least experienced drivers out on the road which leads to more accidents and claims and higher premiums.

“Teen drivers are statistically more likely to be involved in accidents due to their lack of driving experience and tendency to engage in risky behaviors like speeding,” says Eliezer Zupnick, founder of East Leads Group LLC. “Teens are involved in three times as many auto accidents per mile compared to drivers aged 20 and up, making them a high-risk category for insurers.”

For Connecticut teens, GEICO is the most affordable option with a premium of $4,896 a year or $408 a month. State Farm is the next most affordable at $5,198 a year or $433 a month followed by Kemper Insurance running $6,884 a year.

If your teen has a B average or better, ask for a good student discount to help save a bit of money. Having your teen drive an older vehicle will also help save some money. If the car is old enough that you wouldn’t repair it after an accident, you may be able to drop collision and comprehensive.

The chart below shows average premiums for teens in Connecticut:

Average rates for teens in Connecticut

Average cost of car insurance in Connecticut

In Connecticut, the average premium is $1,725, which makes Connecticut the 35^th most expensive state for coverage.

All states have large metropolitan areas, which will always push up the cost of insurance as more vehicles on the road lead to more accidents and claims. A high crime rate will also impact rates.

“If a state has a higher rate of car insurance claims associated with vandalism or car theft, prices are usually higher because car insurance companies view insuring these cars as a higher risk for them,” says Chong Gao, director of product management R&D at Mercury Insurance.

The chart below is the average rate in each state for a 40-year-old driver of a 2023 Honda Accord LX.

Average rates for a 40-year-old in Connecticut

Which Connecticut ZIP codes are most expensive for car insurance?

Car insurance costs in Connecticut can vary significantly based on your location, as insurers consider the ZIP code where your vehicle is primarily parked when determining your premium.

Our data shows that the Bridgeport area came out as the most expensive with an average annual premium of $2,334. Hartford was No. 2 and New Haven was No. 3.

Here are the most expensive ZIP codes in Connecticut for car insurance:

Most expensive ZIP codes in Connecticut

Which Connecticut ZIP codes are the cheapest for car insurance?

The cheapest ZIP codes for car insurance in Connecticut tend to be in rural areas where there are fewer people and cars which leads to lower accident and claim rates. Groton has the most affordable ZIP code in Connecticut with an annual premium of $1,496.

Least expensive ZIP codes in Connecticut

Cheapest car insurance for high-risk drivers in Connecticut

Drivers with a speeding ticket, DUI or at-fault accident on their record are often considered high-risk drivers and end up paying more for coverage. The increase can range from reasonable for a speeding ticket to a big leap in costs for a DUI.

The data showed that a speeding ticket will result in a 22% increase, pushing the average rate to $1,774. Speeding tickets will typically impact your premium for at least three years.

An at-fault accident will raise your rates by 67% to an average of $2,429. A DUI will result in the biggest increase, sending your premium up 123% to an average of $3,239.

The table below shows the average increase for drivers with an incident on their record:

How much rates increase in Connecticut after a traffic incident

Minimum car insurance requirements in Connecticut

Most states require drivers to carry a minimum amount of liability car insurance, and Connecticut is no exception. Drivers are required to carry 25/50/25 in liability coverage, which translates into:

• $25k for injury/death per person
• $50k for injury/death per accident
• $25k for damage to property

But state-required minimums are rarely enough coverage in a serious accident. If you cause an accident and the damages exceed your coverage levels, you will need to cover the damages out of pocket.

The most common required coverages are $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident and $25,000 property damage.

Experts typically recommend carrying 100/300/100 as a minimum liability coverage level.

What our expert says

Q: How does a state’s population affect car insurance rates?

Chong GaoDirector of product management R&D at Mercury Insurance.

“States with a higher population density have more cars on the road and thus more accidents and claims, increasing insurance rates. A more rural state like Iowa will have significantly lower average yearly car insurance costs compared to a highly metropolitan state like Connecticut.”

Mark Vallet

Contributing Researcher

 

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Mark Vallet is a Denver-based insurance expert and journalist with 18 years of experience covering the car insurance industry. He specializes in breaking down complex insurance topics into clear, expert-backed insights that help drivers make smarter insurance coverage decisions.

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