- Best car insurance companies in Connecticut: Geico
- Cheapest car insurance companies in Connecticut: Geico
- Average cost of car insurance in Connecticut
- Minimum car insurance requirements in Connecticut
- Cheapest car insurance companies for minimum liability coverage in Connecticut
- Cheapest car insurance cost in Connecticut by age
- Cheapest car insurance companies in Connecticut by driver profile
- Compare auto insurance rates by city in Connecticut
- Methodology
- Compare auto insurance rates with other states
Best car insurance companies in Connecticut: Geico
Geico is the best car insurance company in Connecticut, based on an analysis by Insurance.com, with an overall rating of 3.94. State Farm, Progressive, Nationwide, and Allstate are also the top car insurance companies in Connecticut.
Below is a full list of the top Connecticut insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | J.D. Power | NAIC | Insurance.com score | Avg. Annual Premium |
|---|---|---|---|---|---|
| Geico | A++ | 836 | 0.91 | 3.94 | $1,242 |
| State Farm | A++ | 829 | 0.7 | 3.68 | $1,733 |
| Progressive | A+ | 802 | 0.65 | 3.52 | $1,708 |
| Nationwide | A+ | 810 | 0.64 | 3.48 | $1,766 |
| Allstate | A+ | 816 | 0.65 | 3.2 | $2,195 |
| Amica Mutual | A+ | 833 | 0.61 | 3.13 | $2,516 |
| Farmers | A | 821 | 0.8 | 3.07 | $2,192 |
| Kemper Insurance | A- | 736 | 2.16 | 2.2 | $1,571 |
Cheapest car insurance companies in Connecticut: Geico
Based on a rate analysis by Insurance.com, Geico offers the cheapest full coverage car insurance in Connecticut, with rates of $1,242 annually or $103 a month. However, you can get cheaper rates with USAA if you are eligible. Additionally, Geico provides the cheapest liability car insurance in the state at $463 a year. It also offers the lowest insurance rates for state minimum coverage at $384 per year, on average.
Don't just go with the first insurer you come across. Comparison shopping is the key to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Connecticut and put together a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| The Hanover | N/A | $1,354 | N/A |
| USAA* | N/A | N/A | $606 |
| Geico | $384 | $463 | $1,242 |
| Kemper Insurance | $562 | $658 | $1,571 |
| Progressive | $881 | $940 | $1,708 |
| State Farm | $613 | $718 | $1,733 |
| Nationwide | $808 | $867 | $1,766 |
| Farmers | $921 | $929 | $2,192 |
| Allstate | $732 | $831 | $2,195 |
| Amica Mutual | $731 | $854 | $2,516 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Connecticut
The average car insurance rate in Connecticut is $1,725 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Connecticut is $704.
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Most & least expensive ZIP codes for auto insurance in Connecticut
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 06604 | Bridgeport | $206 |
| 06605 | Bridgeport | $206 |
| 06606 | Bridgeport | $206 |
| 06610 | Bridgeport | $206 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 63400 | Groton | $132 |
| 63550 | Old Mystic | $132 |
| 63790 | Pawcatuck | $132 |
| 63780 | Stonington | $132 |
Minimum car insurance requirements in Connecticut
Connecticut's minimum car insurance coverage limits are 25/50/25. Connecticut's state minimum liability insurance costs an average of $566 annually or $47 monthly.
Cheapest car insurance companies for minimum liability coverage in Connecticut
According to Insurance.com, Geico provides the cheapest state minimum liability insurance, averaging $401 annually or $33 monthly.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Connecticut.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Geico | $401 | $33 |
| USAA* | $471 | $39 |
| Kemper Insurance | $559 | $47 |
| State Farm | $613 | $51 |
| Allstate | $732 | $61 |
| Amica Mutual | $740 | $62 |
| Nationwide | $801 | $67 |
| Progressive | $863 | $72 |
| Farmers | $913 | $76 |
| The Hanover | $1,528 | $127 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Connecticut by age
In Connecticut, car insurance rates are higher for teenagers as they have more accidents,
Geico offers the cheapest car insurance for teen drivers in Connecticut at $4,896 per year for a full coverage policy. USAA offers cheaper rates to eligible teens.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Connecticut, Geico offers the cheapest full coverage car insurance for adult and senior drivers at $1,209 per year and $1,470 per year, respectively. Again, USAA has cheaper rates if you qualify.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | USAA* | $2,408 |
| Teens (16-19) | Geico | $4,896 |
| Teens (16-19) | State Farm | $5,198 |
| Teens (16-19) | Kemper Insurance | $6,884 |
| Teens (16-19) | Nationwide | $6,958 |
| Teens (16-19) | Progressive | $7,278 |
| Teens (16-19) | Amica Mutual | $8,011 |
| Teens (16-19) | Allstate | $8,622 |
| Teens (16-19) | Farmers | $10,581 |
| Teens (16-19) | The Hanover | $11,582 |
| Young Adults (20-24) | USAA* | $1,015 |
| Young Adults (20-24) | Geico | $2,227 |
| Young Adults (20-24) | Progressive | $2,703 |
| Young Adults (20-24) | State Farm | $2,936 |
| Young Adults (20-24) | Kemper Insurance | $3,009 |
| Young Adults (20-24) | Nationwide | $3,059 |
| Young Adults (20-24) | Allstate | $3,509 |
| Young Adults (20-24) | Farmers | $4,371 |
| Young Adults (20-24) | Amica Mutual | $4,427 |
| Young Adults (20-24) | The Hanover | $7,973 |
| Adults (25-60) | USAA* | $623 |
| Adults (25-60) | Geico | $1,209 |
| Adults (25-60) | Kemper Insurance | $1,578 |
| Adults (25-60) | Progressive | $1,691 |
| Adults (25-60) | Nationwide | $1,731 |
| Adults (25-60) | State Farm | $1,748 |
| Adults (25-60) | Farmers | $2,244 |
| Adults (25-60) | Allstate | $2,280 |
| Adults (25-60) | Amica Mutual | $2,492 |
| Adults (25-60) | The Hanover | $3,905 |
| Seniors (65-75) | USAA* | $700 |
| Seniors (65-75) | Geico | $1,470 |
| Seniors (65-75) | Kemper Insurance | $1,667 |
| Seniors (65-75) | State Farm | $1,708 |
| Seniors (65-75) | Progressive | $1,797 |
| Seniors (65-75) | Nationwide | $1,806 |
| Seniors (65-75) | Farmers | $2,118 |
| Seniors (65-75) | Allstate | $2,307 |
| Seniors (65-75) | Amica Mutual | $2,625 |
| Seniors (65-75) | The Hanover | $3,912 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Connecticut by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more. In Connecticut, State Farm offers the cheapest car insurance rates for drivers with an accident, at $1,555 per year. However, the severity and frequency of the incidents will also affect insurance rates.
Geico offers the cheapest auto insurance in Connecticut at $1,153 per year for drivers with speeding tickets.
Below are the average Connecticut auto insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| Geico | $972 | $1,708 | $1,153 |
| USAA* | $1,256 | $2,133 | $1,524 |
| Kemper Insurance | $1,258 | $2,100 | $1,917 |
| State Farm | $1,428 | $1,555 | $1,555 |
| Progressive | $1,447 | $2,751 | $1,945 |
| Nationwide | $1,675 | $3,024 | $2,172 |
| Allstate | $2,152 | $3,731 | $2,152 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Connecticut
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Connecticut.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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