- Best car insurance companies in Connecticut: GEICO
- Cheapest car insurance companies in Connecticut: GEICO
- Average cost of car insurance in Connecticut
- Connecticut car insurance requirements
- 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
- Car insurance premium trends in Connecticut
- Methodology
- Compare Connecticut car insurance rates with other states
Best car insurance companies in Connecticut: GEICO
GEICO is the best car insurance company in Connecticut, based on our data analysis, with an overall rating of 4.51. State Farm, Progressive, Amica, and Allstate are also among 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 | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| GEICO | A++ | 638 | 0.69 | $1,242 | 4.51 |
| State Farm | A++ | 664 | 0.79 | $1,733 | 4.18 |
| Progressive | A+ | 620 | 0.71 | $1,708 | 3.91 |
| Amica | A+ | 709 | 0.75 | $2,516 | 3.84 |
| Allstate | A+ | 646 | 1.1 | $2,195 | 3.23 |
| Farmers | A | 600 | 0.86 | $2,192 | 3.13 |
| USAA | A++ | 741 | 1.18 | $606 | 4.5 |
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 $1,633 annually or $136 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 $606 a year. It also offers the lowest insurance rates for state minimum coverage at $469 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 |
|---|---|---|---|
| GEICO | $469 | $606 | $1,633 |
| Kemper | $579 | $735 | $1,737 |
| Nationwide | $1,362 | $1,210 | $2,675 |
| Allstate | $1,092 | $1,262 | $3,104 |
| Amica | $794 | $922 | $3,133 |
| Progressive | $1,364 | $1,405 | $3,265 |
| State Farm | $1,200 | $1,408 | $3,390 |
| Farmers | $1,342 | $1,366 | $3,498 |
| The Hanover | $1,677 | $2,060 | $6,479 |
| USAA | $489 | $558 | $1,631 |
*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 $2,726 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 $1,039.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Connecticut
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Scotland | $998 | $83 |
| Moosup | $992 | $83 |
| Central Village | $992 | $83 |
| Plainfield | $992 | $83 |
| Somersville | $988 | $82 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Sterling | $1,000 | $83 |
| Canterbury | $1,002 | $83 |
| Chaplin | $1,004 | $84 |
| Willington | $1,006 | $84 |
| Cobalt | $1,008 | $84 |
The Connecticut Insurance Department says...
You can buy extra uninsured/underinsured motorist coverage up to twice the amount of your bodily injury liability coverageThis auto insurance coverage helps pay for medical expenses and lost wages if you injure someone in a car accident. It also covers legal fees if you're sued.. You must have at least $25,000 per person and $50,000 per accident by law.
- The Connecticut Insurance DepartmentConnecticut car insurance requirements
Connecticut's minimum car insurance coverage limits are 25/50/25. Connecticut's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $1,039 annually or $87 monthly.
Minimum liability insurance requirements for Connecticut:
- Bodily injury liability (BI): $25,000 per person and $50,000 per accident
- Property damage liability (PD): $25,000 per accident
- Personal injury protection (PIP): $50,000 per person
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
Cheapest car insurance companies for minimum liability coverage in Connecticut
According to Insurance.com, GEICO provides the cheapest state minimum liability insurance, averaging $606 annually or $51 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 | $606 | $51 |
| Kemper | $735 | $61 |
| Amica | $922 | $77 |
| Nationwide | $1,210 | $101 |
| Allstate | $1,262 | $105 |
| Farmers | $1,366 | $114 |
| Progressive | $1,405 | $117 |
| State Farm | $1,408 | $117 |
| The Hanover | $2,060 | $172 |
| USAA | $558 | $46 |
*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 a 16-year-old driver in Connecticut at $9,344 per year.
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 car insurance for a 25-year-old driver at $1,593 per year. GEICO offers the cheapest car insurance for a 65-year-old driver at $1,574 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| GEICO | $9,344 | $779 |
| USAA | $10,633 | $886 |
| Amica | $11,367 | $947 |
| State Farm | $12,709 | $1,059 |
| Nationwide | $12,788 | $1,066 |
| Kemper | $13,268 | $1,106 |
| Allstate | $14,604 | $1,217 |
| The Hanover | $16,089 | $1,341 |
| Progressive | $19,051 | $1,588 |
| Farmers | $24,411 | $2,034 |
*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. the severity and frequency of the incidents will also affect insurance rates. In Connecticut, GEICO offers the cheapest car insurance rates for drivers with an accident, at $2,296 per year. However, USAA offers cheaper rates only to military members, veterans, and their family members.
GEICO offers the cheapest auto insurance in Connecticut at $1,855 per year for drivers with a speeding ticket. USAA offers cheaper rates but has eligibility criteria.
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 |
|---|---|---|---|
| Allstate | $3,104 | $5,544 | $0 |
| GEICO | $1,633 | $2,296 | $1,855 |
| Kemper | $1,737 | $2,911 | $2,713 |
| State Farm | $3,390 | $3,635 | $3,635 |
| Progressive | $3,265 | $5,094 | $4,081 |
| Farmers | $3,498 | $7,906 | $4,687 |
| Amica | $3,133 | $4,524 | $5,434 |
| Nationwide | $2,675 | $4,534 | $5,696 |
| The Hanover | $6,479 | $10,227 | $8,218 |
| USAA | $1,631 | $2,433 | $1,876 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Connecticut
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Connecticut will impact what you pay. Below, we've gathered Connecticut car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Bridgeport | $2,334 |
Bristol | $1,635 |
Derby | $1,929 |
Hartford | $2,299 |
Norwalk | $1,731 |
Stamford | $1,846 |
Car insurance premium trends in Connecticut
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Connecticut to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Connecticut car insurance rates with other states
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