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At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

If you drive in Connecticut, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Connecticut car insurance calculator.

It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Connecticut, giving you the insight you need to confidently choose coverage.

How to use our car insurance calculator to estimate your rates in Connecticut:

  • Step 1: Choose the model year of your car.
  • Step 2: Choose the make and model of your car.
  • Step 3: Choose your state.
  • Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
  • Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.
Data last refreshed in 2025
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Does your vehicle model affect car insurance rates in Connecticut?

Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.

For example, the average annual full coverage cost for a Honda Accord LX in Connecticut is $2,356, while the average premium for a Honda CR-V is $2,015 – that’s a difference of $341 annually.

Does your car’s model year affect insurance rates in Connecticut?

In Connecticut, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $4,536 per year, while the 2024 model costs $2,247 annually to insure.

Quick tip: Review your state’s minimum insurance requirements before choosing a policy

Each state sets its own minimum car insurance requirements, and Connecticut is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:

  • Bodily injury liability per person and per accident
  • Property damage liability

These limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.

Driving without the required coverage in Connecticut can lead to fines, license suspension and even vehicle impoundment.

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.

Car insurance rates in Connecticut by city

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in Connecticut

In Connecticut, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.

For instance, full coverage car insurance for a 2023 Honda Accord LX in Connecticut costs $4,536 per year. On the other hand, the Honda Accord EX-L trim costs $3,919 annually to insure – a difference of $617.

Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding.

How much drivers pay for car insurance in Connecticut

In Connecticut, the average cost of full-coverage car insurance is $2,726 per year or $227 per month. Your premium may be higher or lower depending on your chosen coverage limits.

Below, you’ll find estimated costs for different coverage levels in Connecticut, but keep in mind that your final rate will vary based on your own personal factors like your vehicle and driving record.

Coverage levelAverage annual rateAverage monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,726$227
Liability Only – 50/100/50 BI/PD$1,119$93
State Minimum BI/PD$1,039$87
Non-Owners$991$83
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How much is car insurance in Connecticut by city

In Connecticut, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Bridgeport pay about $3,947 per year for a full coverage policy, where as drivers in West Mystic pay $2,253 annually.

Top 20 cities with cheapest car insurance rates in Connecticut

CityAvg. Annual PremiumAvg. Monthly Premium
West Mystic$2,253$188
Yantic$2,282$190
Groton$2,297$191
Old Mystic$2,297$191
Abington$2,310$193
Quaker Hill$2,313$193
Waterford$2,313$193
Somersville$2,317$193
Grosvenor Dale$2,319$193
South Windham$2,321$193
Hadlyme$2,333$194
North Westchester$2,335$195
Oneco$2,335$195
Ballouville$2,338$195
Hanover$2,342$195
Pawcatuck$2,342$195
Stonington$2,342$195
East Killingly$2,344$195
Rogers$2,344$195
Scotland$2,344$195
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Top 20 cities with most expensive car insurance in rates Connecticut

CityAvg. Annual PremiumAvg. Monthly Premium
Bridgeport$3,947$329
Hartford$3,624$302
New Haven$3,553$296
South Britain$3,496$291
Botsford$3,411$284
Hawleyville$3,394$283
Bethany$3,391$283
Ansonia$3,357$280
Derby$3,346$279
Stevenson$3,336$278
Waterbury$3,331$278
Naugatuck$3,308$276
Seymour$3,295$275
Middlebury$3,293$274
Redding Ridge$3,276$273
Milldale$3,234$269
West Haven$3,229$269
Woodbridge$3,211$268
Hamden$3,186$265
Meriden$3,183$265
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Want to know what you’ll pay? Try our Connecticut car insurance calculator

Our Connecticut car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit.

How much is car insurance in other states

Alaska$2,215/Year
Alabama$2,107/Year
Arkansas$2,723/Year
Arizona$2,333/Year
California$3,010/Year
Colorado$3,222/Year
Washington, D.C.$3,394/Year
Delaware$3,097/Year
Florida$3,852/Year
Georgia$2,739/Year
Hawaii$1,721/Year
Iowa$2,228/Year
Idaho$1,791/Year
Illinois$1,901/Year
Indiana$1,856/Year
Kansas$2,410/Year
Kentucky$2,976/Year
Louisiana$4,180/Year
Massachusetts$2,430/Year
Maryland$2,273/Year
Maine$1,701/Year
Michigan$3,146/Year
Minnesota$2,561/Year
Missouri$2,410/Year
Mississippi$2,455/Year
Montana$2,541/Year
North Carolina$2,587/Year
North Dakota$2,079/Year
Nebraska$2,387/Year
New Hampshire$1,650/Year
New Jersey$2,736/Year
New Mexico$2,486/Year
Nevada$3,284/Year
New York$2,898/Year
Ohio$1,739/Year
Oklahoma$2,705/Year
Oregon$1,927/Year
Pennsylvania$2,428/Year
Rhode Island$2,706/Year
South Carolina$2,367/Year
South Dakota$2,635/Year
Tennessee$2,214/Year
Texas$2,631/Year
Utah$2,250/Year
Virginia$1,837/Year
Vermont$1,504/Year
Washington$2,175/Year
Wisconsin$2,026/Year
West Virginia$2,557/Year
Wyoming$1,984/Year
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Shivani Gite
Contributing Writer

 
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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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