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If you drive in Connecticut, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Connecticut car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Connecticut, making it easier to compare options and choose the coverage that’s right for you.

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

Our calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.

  • 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 2026
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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.

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

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Connecticut, full coverage car insurance for a 2023 Honda Accord LX costs $4,536 a year, while the higher-end Accord EX-L trim costs $3,919 annually – a difference of $617 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

Car insurance estimate in Connecticut

Drivers in Connecticut pay an average of $2,726 per year or $227 per month for full-coverage car insurance. Your exact premium could differ based on the level of coverage you choose. The table below shows estimated rates for various coverage limits in Connecticut. However, your actual rate may vary depending on your driving history, vehicle type and other personal factors.

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? Use the Connecticut car insurance calculator

Use the Connecticut car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find the best deal.

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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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