Low-cost car insurance in Connecticut

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GEICO provides the lowest car insurance rates in Connecticut at $1,633 a year. The average premium is $227 per month in Connecticut, though your actual rate may vary.

Car insurance requirements differ by state. In Connecticut, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

GEICO has the lowest average car insurance premium in Connecticut, costing $1,633 per year. That’s $1,093 the state average.
For drivers with an at-fault accident on record, GEICO offers the most affordable coverage at around $2,296 annually.
The 6388 ZIP code stands out as the cheapest area for auto insurance in Connecticut, with an average yearly cost of $2,253.

Low-cost car insurance companies in Connecticut

GEICO offers the lowest car insurance rates in Connecticut, with an average annual premium of $1,633 per year. It’s $1,093 less expensive than the average car insurance cost in Connecticut. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
GEICO	$1,633
Kemper	$1,737
Nationwide	$2,675
Allstate	$3,104
Amica	$3,133
Progressive	$3,265
State Farm	$3,390
Farmers	$3,498
The Hanover	$6,479
USAA*	$1,631

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Connecticut

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Connecticut

In Connecticut, drivers living in the 6388 ZIP code enjoy the lowest average annual premium at $2,253. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
6388	West Mystic	$2,253
6389	Yantic	$2,282
6340	Groton	$2,297
6355	Old Mystic	$2,297
6230	Abington	$2,310
6375	Quaker Hill	$2,313
6385	Waterford	$2,313
6072	Somersville	$2,317
6246	Grosvenor Dale	$2,319
6266	South Windham	$2,321

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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

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Low-cost car insurance in Connecticut by age

Young drivers often face the highest premiums. In Connecticut, for example, a 16-year-old pays $10,901 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$10,358
Young Adults (20-24)	$5,217
Adults (25-60)	$2,752
Seniors (65-75)	$2,791

Low-cost car insurance in Connecticut by driver history

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Connecticut

A single speeding ticket in Connecticut can push your rates up by 36%, or about $974. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,633	$1,855	14%	$222
Kemper	$1,737	$2,713	56%	$976
State Farm	$3,390	$3,635	7%	$245
Progressive	$3,265	$4,081	25%	$816
Farmers	$3,498	$4,687	34%	$1,189
Amica	$3,133	$5,434	73%	$2,301
Nationwide	$2,675	$5,696	113%	$3,021
The Hanover	$6,479	$8,218	27%	$1,740
USAA*	$1,631	$1,876	15%	$245

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Connecticut

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. GEICO is the lowest-cost option for these drivers, with an average annual premium of $2,296.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,633	$2,296	41%	$663
Kemper	$1,737	$2,911	68%	$1,174
State Farm	$3,390	$3,635	7%	$245
Amica	$3,133	$4,524	44%	$1,390
Nationwide	$2,675	$4,534	69%	$1,859
Progressive	$3,265	$5,094	56%	$1,829
Allstate	$3,104	$5,544	79%	$2,439
Farmers	$3,498	$7,906	126%	$4,408
The Hanover	$6,479	$10,227	58%	$3,748
USAA*	$1,631	$2,433	49%	$802

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Connecticut

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Connecticut are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Kemper	$1,737	$2,755	$1,018	59%
State Farm	$3,390	$3,635	$245	7%
Progressive	$3,265	$3,768	$502	15%
Allstate	$3,104	$4,444	$1,340	43%
GEICO	$1,633	$5,493	$3,860	236%
Nationwide	$2,675	$5,696	$3,021	113%
Farmers	$3,498	$8,810	$5,313	152%
Amica	$3,133	$12,192	$9,058	289%
The Hanover	$6,479	$36,136	$29,657	458%
USAA*	$1,631	$3,289	$1,658	102%

*USAA is only available to military community members and their families.

Average cost of car insurance Connecticut

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Connecticut, the average cost of full coverage is $213 more compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Connecticut, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Connecticut.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Connecticut. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

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.