In a Nutshell
The average cost of car insurance in Connecticut varies based on individual circumstances, such as credit, age, driving history and vehicle. We’ve crunched the data for several different driver profiles and found some of the lowest-cost insurers for basic coverage in the Constitution State.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Connecticut has more than 21,000 miles of public roads to explore. But before you buckle up for a road-trip, it’s important to ensure your ride is protected.
We looked at estimated car insurance rates from several companies in Connecticut to calculate the average cost of basic car insurance in the state and find out which insurers offer the cheapest estimated rates.
There are several factors that affect car insurance, like your age, vehicle type, mileage, coverage options and personal driving history, so to make a fair comparison, we based our calculations on a relatively neutral driver profile — someone with no accidents, tickets or claims, for example — so your rates may be different (see our full methodology).
But don’t worry — we also found the cheapest car insurance options for several different driver profiles. You can find affordable insurance without a perfect driving record or credit.
Read on to learn about Connecticut’s average car insurance rates on basic coverage and our findings for the cheapest options.
- Cost of car insurance in Connecticut
- 5 cheapest car insurance companies in Connecticut
- Cheapest state-minimum car insurance in Connecticut
- Cheapest car insurance for good credit in Connecticut
- Cheapest car insurance for poor credit in Connecticut
- Cheapest car insurance for drivers with multiple claims in Connecticut
- Cheapest car insurance for young drivers in Connecticut
- Connecticut auto insurance requirements
- Is usage-based insurance available in Connecticut?
- FAQs about the cheapest car insurance rates in Connecticut
- Methodology
Cost of car insurance in Connecticut
Average monthly premiums for basic car insurance in Connecticut range from just over $90 up into the $300s, depending on the driver profile.
Average monthly auto insurance premiums in Connecticut
Driver or coverage | Avg. monthly cost |
---|---|
State-minimum car insurance in Connecticut | $91.55 |
Drivers with poor credit in Connecticut | $160.39 |
Drivers with multiple claims in Connecticut | $330.00 |
Young drivers in Connecticut | $192.94 |
5 cheapest car insurance companies in Connecticut
Read on to learn more about the top five cheapest insurers in Connecticut for basic coverage. We’ve calculated the rates below on a specific Connecticut driver profile, as detailed in our methodology, to get the best sense of the costs for an average driver. That means your rates could be different. Unless otherwise noted, our Connecticut driver’s characteristics include a $20,000 to $30,000 car value, a 680 to 719 credit score, no tickets or coverage gaps and an age between 36 and 45.
1. Geico
Geico offers a wide range of coverage options and many opportunities to save money for safe driving habits, safety equipment and customer loyalty. Its mobile app allows users to manage their policies, pay bills, request roadside assistance and more. Read reviews of Geico to learn more.
2. USAA
USAA is available to military members and their families. USAA auto insurance is available nationwide with various discount opportunities, including unique savings for deployed military members. The USAA app allows members to manage their policy from their mobile devices. USAA offers standard and optional coverage options. Read reviews of USAA to learn more.
3. Kemper (formerly Unitrin)
Unitrin now does business under the name Kemper Insurance and offers a range of coverage options and flexible policies. Customers buy Kemper insurance through independent agents, who can help design a custom policy and apply appropriate discounts.
4. Electric
Electric offers car insurance nationwide. Customers can choose between three packages, each with unique baseline coverages and optional add-ons. Electric offers customers many discounts, giving them many ways to save. If you become a customer, you can manage your policy online, but you’ll have to call to get a quote. Learn more about Electric.
5. Amica Mutual
Founded in 1907, Amica Mutual sells car insurance directly to customers, not through independent agents. Standard car insurance options are available, as are loan/lease coverage, glass coverage, roadside assistance and rental reimbursement. Read reviews of Amica to learn more.
Cheapest state-minimum car insurance in Connecticut
Connecticut requires drivers to carry a minimum 25/50/25 policy. This is known as state-minimum insurance, and it’s usually the cheapest policy you can choose.
5 cheapest car insurance companies in Connecticut for state-minimum coverage
1 | Geico | $50.21/month |
2 | USAA | $55.54/month |
3 | Kemper | $60.48/month |
4 | Electric | $66.25/month |
5 | Amica Mutual | $75.79/month |
Cheapest car insurance for good credit in Connecticut
Credit is one factor that goes into determining the cost of your car insurance. In general, drivers with better credit will pay less for car insurance than drivers who are considered to have poor credit.
5 cheapest car insurance companies in Connecticut for those with good credit
1 | Geico | $42.14/month |
2 | USAA | $47.64/month |
3 | Amica Mutual | $48.19/month |
4 | Kemper | $51.05/month |
5 | Electric | $53.03/month |
Cheapest car insurance for poor credit in Connecticut
Drivers who have lower credit scores often have to pay a bit more for their car insurance. However, there are other ways to keep the cost of your premium down, like maintaining a safe driving record and claiming any eligible discounts your insurer offers.
5 cheapest car insurance companies in Connecticut for those with poor credit
1 | Geico | $66.15/month |
2 | USAA | $82.14/month |
3 | Kemper | $93.19/month |
4 | Encmopass | $126.48/month |
5 | Nationwide | $135.88/month |
Cheapest car insurance for drivers with multiple claims in Connecticut
Your claims history can also have an impact on your overall insurance costs. Typically, drivers with multiple claims will see higher insurance bills than drivers with just a few or no claims on their record.
5 cheapest car insurance companies in Connecticut for multiple claims
1 | Amica Mutual | $111.96/month |
2 | Electric | $116.35/month |
3 | State Farm | $125.54/month |
4 | Kemper | $137.54/month |
5 | Geico | $142.39/month |
Cheapest car insurance for young drivers in Connecticut
Finally, your age can be a factor in determining the cost of your car insurance. Insurers often view younger drivers as riskier to insure, so policies with younger drivers are usually more expensive. But, as you get older — as long as you maintain a record of safe driving — your rate should go down. The companies in the table below have the lowest estimated rates on basic coverage for young drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Connecticut for young drivers
1 | Geico | $97.18/month |
2 | Electric | $118.29/month |
3 | USAA | $122.19/month |
4 | Encompass | $138.00/month |
5 | Amica Mutual | $140.27/month |
Connecticut auto insurance requirements
Connecticut requires $25,000 per person and $50,000 per accident for bodily injury liability and uninsured motorist coverage. It also requires $25,000 for property damage liability. If you have a car loan or lease, your coverage responsibilities will likely be more extensive.
Is usage-based insurance available in Connecticut?
Usage-based insurance is vehicle insurance that allows customers to pay premiums based on their driving behavior. In Connecticut, insurers may offer UBI programs to help drivers save money by tracking their safe-driving habits.
FAQs about the cheapest car insurance rates in Connecticut
Connecticut requires $25,000 per person and $50,000 per accident for bodily injury liability and uninsured motorist coverage. It also requires $25,000 for property damage liability. This is known as 25/50/25 coverage.
Connecticut is an at-fault state. Its no-fault laws were repealed in 1993, effective as of 1994.
Driving without insurance in Connecticut could land you with a fine between $100 or $1,000. And there are potentially additional penalties such as fees for failure to carry proof of insurance, suspension of registration and driver’s license, and even criminal penalties.
Methodology
This article’s estimated rates are the lowest based on the profile of a driver age 36 to 45 living in Connecticut. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those ages 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as age, vehicle driving habits and history.
The average monthly premium for state-minimum car insurance includes a Connecticut-mandated 25/50/25 insurance policy.