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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage Annual Premium
GeicoA++8360.913.94$1,242
State FarmA++8290.73.68$1,733
ProgressiveA+8020.653.52$1,708
NationwideA+8100.643.48$1,766
AllstateA+8160.653.2$2,195
Amica MutualA+8330.613.13$2,516
FarmersA8210.83.07$2,192
Kemper InsuranceA-7362.162.2$1,571

Data updated in 2024
Read our full methodology

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.

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
USAANANA$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
The HanoverNA$1,354NA

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

Data updated in 2024
Read our full methodology

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.

Auto insurance calculator

Average auto insurance rates in Connecticut
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
6105 - Hartford
For a 30-year-old male
$81 State minimum
$202 Full coverage
$92 Liability only

Most & least expensive ZIP codes for auto insurance in Connecticut

Most Expensive

Zip CodeCityHighest Rate
06604Bridgeport$206
06605Bridgeport$206
06606Bridgeport$206
06610Bridgeport$206

Least Expensive

Zip CodeCityLowest Rate
63400Groton$132
63550Old Mystic$132
63790Pawcatuck$132
63780Stonington$132
Data updated in 2024
Read our full methodology

Connecticut car insurance requirements

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.

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 $401 annually or $33 monthly. 

In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Connecticut.

State minimum auto insurance coverage in Connecticut, CT
CompanyLiability insurance premiumMonthly 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

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Connecticut by age

company_name
Cheapest for teens
$4,896/yr
Learn more
company_name
Cheapest for adults
$1,209/yr
Learn more
company_name
Cheapest for seniors
$1,470/yr
Learn more

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.

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.

Age group
Teen
Age
16
Table
Graph
USAA$4,246$354
State Farm$6,259$522
Geico$6,936$578
Amica Mutual$9,042$754
Nationwide$9,912$826
Progressive$10,349$862
Kemper Insurance$11,860$988
Allstate$12,679$1,057
The Hanover$13,443$1,120
Farmers$15,572$1,298
Yearly premium

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

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Connecticut by driver profile

company_name
Cheapest for at-fault accident
$1,747/yr
Learn more
company_name
Cheapest for DUI
$1,858/yr
Learn more
company_name
Cheapest for speeding ticket
$1,411/yr
Learn more

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 $1,747 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 $1,411 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. 

CompanyClean RecordAccidentSpeeding Ticket
USAA$606$904$697
Geico$1,242$1,747$1,411
State Farm$1,733$1,858$1,858
Progressive$1,708$2,664$2,135
Allstate$2,195$3,920$2,195
Nationwide$1,766$2,994$2,431
Kemper$1,571$2,632$2,453
Farmers$2,192$4,955$2,938
Amica$2,516$3,632$4,363

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

Data updated in 2024
Read our full methodology

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
Bristol
$1,635
Derby
$1,929
Hartford
$2,299
Norwalk
$1,731
Stamford
$1,846
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Connecticut have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

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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