- How much is car insurance in Connecticut?
- Connecticut car insurance rates by company
- Connecticut car insurance costs by coverage level
- Connecticut car insurance by driver profile
- Connecticut car insurance rates by age group
- How much does car insurance cost in Connecticut per month?
- Connecticut car insurance discounts
- Car insurance requirements in Connecticut
- Car insurance rates in Connecticut by model year
- Compare auto insurance rates by city in Connecticut
- Car insurance premium trends in Connecticut
- Methodology
- Compare Connecticut car insurance rates with other states
How much is car insurance in Connecticut?
The average cost of full coverage car insurance in Connecticut is $2,726 per year. But these rates can differ depending on factors like your age, the coverage you choose, your driving record and the type of car you drive.
For example, younger drivers usually pay more for car insurance, and people with bad driving records do, too.
Connecticut drivers who choose to carry only the minimum car insurance will pay $1,039 on average. But this doesn't include collision or comprehensive coverage, so if you cause an accident, you'd have to pay for damage to your own car yourself.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a 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. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | $2,726 |
| Average monthly premium | $227 |
Connecticut car insurance rates by company
Every car insurance company uses its own criteria for determining rates. For example, while some emphasize age, others look closely at driving records. Because of this, Connecticut car insurance rates vary significantly from company to company.
On average, GEICO has the lowest car insurance rates in Connecticut. The table below shows average car insurance rates in Connecticut from top-rated companies for different coverage levels.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| 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 |
Connecticut car insurance costs by coverage level
Generally, Connecticut minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Connecticut car insurance costs based on coverage level below.
| State minimum car insurance | $1,039 |
| Liability-only car insurance | $1,119 |
| Full coverage car insurance | $2,726 |
Connecticut car insurance by driver profile
Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.
In most states, your credit history also affects how much you pay for car insurance. Studies show that drivers with lower credit scores are more likely to file a claim instead of paying for damages themselves.
In Connecticut, drivers with DUI pay the highest rates. This table shows average car insurance rates in Connecticut for other driver profiles.;
| Profile | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-Fault Accident | $2,726 | $4,344 | $1,618 | 59% |
| Bad Credit | $2,726 | $6,005 | $3,280 | 120% |
| Careless driving | $2,726 | $3,732 | $1,007 | 37% |
| Claims | $2,726 | $3,124 | $398 | 15% |
| DUI | $2,726 | $6,864 | $4,138 | 152% |
| Reckless driving | $2,726 | $6,202 | $3,477 | 128% |
| Speeding | $2,726 | $3,699 | $974 | 36% |
| Texting ticket | $2,726 | $4,114 | $1,388 | 51% |
Connecticut car insurance rates by age group
Age can significantly impact car insurance rates. Younger, less experienced drivers see the highest Connecticut car insurance rates. Rates decrease considerably with age and experience behind the wheel.
The table below shows average Connecticut car insurance rates by age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $10,358 |
| Young Adults (20-24) | $5,217 |
| Adults (25-60) | $2,752 |
| Seniors (65-75) | $2,791 |
How much does car insurance cost in Connecticut per month?
The average monthly cost of car insurance in Connecticut depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage Level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $87 |
| Liability Only - 50/100/50 BI/PD | $93 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $227 |
Connecticut car insurance discounts
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Connecticut, savings can be very different from one company to another.
Take a look at the car insurance discounts available in Connecticut below and see the average amount you can save.
| Discount type | Premium before discount | Premium after discount | $ Saving | % Saving |
|---|---|---|---|---|
| Air Bags | $2,726 | $2,704 | $21 | 1% |
| Anti-Theft Device | $2,726 | $2,701 | $25 | 1% |
| Comp and Coll Deductibles | $2,726 | $2,321 | $405 | 15% |
| Daily Commute | $2,726 | $2,425 | $301 | 10% |
| Days Advanced Purchase | $2,726 | $2,587 | $139 | 6% |
| Days Per Week Driven | $2,726 | $2,568 | $157 | 6% |
| Education | $2,726 | $2,560 | $166 | 6% |
| Electronic Funds Transfer | $2,726 | $2,594 | $132 | 5% |
| Electronic Signature | $2,726 | $2,513 | $213 | 8% |
| Homeowner | $2,726 | $2,523 | $202 | 7% |
| Lower Annual Mileage | $2,726 | $2,483 | $242 | 7% |
| Loyalty - Years Renewal With Company | $2,726 | $2,527 | $198 | 6% |
| Marital Status | $2,726 | $2,501 | $224 | 9% |
| Multi Policy | $2,726 | $2,413 | $313 | 10% |
| Paperless/Electornic Documents | $2,726 | $2,630 | $95 | 3% |
| Payment Type | $2,726 | $2,504 | $222 | 7% |
| Primary Use | $2,726 | $2,411 | $315 | 12% |
| Profession | $2,726 | $2,486 | $240 | 9% |
| Safety Devices | $2,726 | $2,680 | $46 | 2% |
| Telematics | $2,726 | $2,462 | $264 | 10% |
| Years Insured | $2,726 | $2,063 | $663 | 21% |
| Years Licensed | $2,726 | $2,250 | $475 | 18% |
Car insurance requirements in Connecticut
Connecticut requires drivers to have a minimum amount of car insurance, including:
- 25/50/25 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by Connecticut is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State Minimum Requirements | 25/50/25 |
| State minimum car insurance | $1,039 |
| Liability-only car insurance | $1,119 |
| Full coverage car insurance | $2,726 |
Car insurance rates in Connecticut by model year
The vehicle you drive also affects Connecticut car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Connecticut car insurance rates below.
Compare accord insurance rates by state
| Company | Style | Average annual premium |
|---|
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, claim 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 | $3,947 |
Bristol | $2,540 |
Derby | $1,929 |
Hartford | $3,624 |
Norwalk | $2,688 |
Stamford | $2,878 |
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 premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. 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
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
Compare Connecticut car insurance rates with other states
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