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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

Get a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.

  • 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 estimat
  • 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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How much does your vehicle model affect car insurance rates in Connecticut?

Car insurance rates in Connecticut vary widely based on your vehicle’s make and model. Insurance companies consider multiple factors, including the make and model of your car, to determine premiums.

A full coverage car insurance policy in Connecticut for a Honda Accord LX costs $2,356 annually, whereas a Honda CR-V costs $2,015 to insure in Connecticut – a difference of $341.

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

In Connecticut – as in many other states – a car’s model year can impact your insurance rates. For instance, the annual premium for a 2023 Honda Accord LX is around $4,536, while insuring the 2024 model costs $2,247.

Quick tip: Check your state’s minimum coverage rules

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

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

These limits are the bare minimum – many drivers choose higher coverage to better protect themselves financially after an accident. Not carrying 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.

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

Your car’s trim level plays a big role in determining your insurance premium. Insurers consider the vehicle’s value, repair costs, safety features and theft risk when setting rates. Higher trims with upgraded technology or powerful engines often have higher premiums since they’re more expensive to repair or replace.

For example, a 2023 Honda Accord LX costs $4,536 per year to insure in Connecticut, whereas the EX-L trim costs $3,919, a difference of $617 annually.

Trims that include luxury upgrades, like a premium sound system, often cost more to insure because they raise the vehicle’s overall value. Similarly, performance-focused trims with larger engines may increase premiums due to a greater 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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Car insurance costs in Connecticut by city

Car insurance rates in Connecticut vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Bridgeport pay $3,947 annually for full coverage, while those in West Mystic pay closer to $2,253 per year.

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.

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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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