Average cost of car insurance in Connecticut

The average car insurance rate in Connecticut is $1,741 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 $751.

Best car insurance companies in Connecticut

Geico is the best car insurance company in Connecticut, based on a 2023 analysis by Insurance.com, with an overall rating of 4.95. USAA came in second, but is not open to everyone.

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.

Best car insurance companies in Connecticut
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
GeicoA++$ 9350.774.95
USAA*A++$ 1,2080.994.81
State FarmA++$ 1,3400.524.55
Amica MutualA+$ 1,2200.954.51
ProgressiveA+$ 1,3680.734.5
NationwideA+$ 1,5770.664.44
AllstateA+$ 2,0130.954.23

USAA offers car insurance only to military members, veterans and their families.

Cheapest car insurance companies in Connecticut

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes 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. Based on a rate analysis by Insurance.com, Geico is the cheapest auto insurance company in Connecticut, with rates of $935 annually or $78 a month on average for full coverage. 

cheap ratesby companies connecticut
CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Geico$ 348$ 394$ 935
Kemper Insurance$ 444$ 497$ 1,172
USAA*$ 407$ 457$ 1,208
Amica Mutual$ 432$ 490$ 1,220
State Farm$ 543$ 598$ 1,340
Progressive$ 890$ 930$ 1,368
Nationwide$ 892$ 1,024$ 1,577
Allstate$ 684$ 771$ 2,013
The Hanover$ 2,119$ 2,344$ 4,839

USAA offers car insurance only to military members, veterans and their families.

Auto insurance calculator

Average auto insurance rates in Alabama
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

Most Expensive

Zip CodeCityHighest Rate

Least Expensive

Zip CodeCityLowest Rate

Cheapest car insurance cost in Connecticut by age

In Connecticut, car insurance rates are higher for teenagers as they have more accidents,

Kemper Insurance offers the cheapest car insurance for teen drivers in Connecticut at $3,316 per year for a full coverage policy. 

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 $872 per year and $994 per year, respectively.  

Cheapest car insurance by age in Connecticut
Age (group) Company Group Avg. Annual Premium
Teens (16-19)Kemper Insurance$ 3,316
Teens (16-19)Geico$ 3,374
Teens (16-19)State Farm$ 3,982
Teens (16-19)USAA$ 4,340
Teens (16-19)Nationwide$ 6,302
Teens (16-19)Progressive$ 6,481
Teens (16-19)Allstate$ 7,072
Teens (16-19)Amica Mutual$ 7,651
Teens (16-19)The Hanover$ 19,810
Young Adults (20-24)Geico$ 1,559
Young Adults (20-24)USAA$ 1,994
Young Adults (20-24)Kemper Insurance$ 2,122
Young Adults (20-24)Amica Mutual$ 2,125
Young Adults (20-24)Progressive$ 2,186
Young Adults (20-24)State Farm$ 2,249
Young Adults (20-24)Nationwide$ 2,742
Young Adults (20-24)Allstate$ 2,909
Young Adults (20-24)The Hanover$ 9,188
Adults (25-55)Geico$ 872
Adults (25-55)Kemper Insurance$ 1,214
Adults (25-55)Amica Mutual$ 1,218
Adults (25-55)USAA$ 1,251
Adults (25-55)State Farm$ 1,366
Adults (25-55)Progressive$ 1,378
Adults (25-55)Nationwide$ 1,575
Adults (25-55)Allstate$ 2,115
Adults (25-55)The Hanover$ 4,900
Seniors (60-75)Geico$ 994
Seniors (60-75)USAA$ 1,193
Seniors (60-75)Kemper Insurance$ 1,231
Seniors (60-75)State Farm$ 1,309
Seniors (60-75)Progressive$ 1,410
Seniors (60-75)Amica Mutual$ 1,456
Seniors (60-75)Nationwide$ 1,570
Seniors (60-75)Allstate$ 2,061
Seniors (60-75)The Hanover$ 4,674

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. 

However, the severity and frequency of the incidents will also affect insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple tickets or major accidents.

Below are average Connecticut rates by company for drivers with accidents and tickets on their driving record. 

Cheapest car insurance companies for tickets and accidents in Connecticut
CompanyClean recordAccidentTicket
Geico$ 1,021$ 1,407$ 1,064
Kemper$ 1,247$ 1,941$ 1,795
USAA$ 1,262$ 1,867$ 1,446
State Farm$ 1,428$ 1,555$ 1,504
Progressive$ 1,442$ 2,412$ 1,880
Nationwide$ 1,674$ 2,774$ 2,030
Allstate$ 2,152$ 3,146$ 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.

CityAnnual insurance premium
Bridgeport
$2,334
Hartford
$2,299
Bristol
$1,635
Derby
$1,929
Norwalk
$1,731
Stamford
$1,846

Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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.  

Tip icon You might also be interested in