Cheapest Car Insurance in Connecticut (2004)
State Farm has the cheapest full-coverage car insurance quotes for most Connecticut drivers, averaging $1,446 a year. Geico is next at $1,716, followed by Farmers at $2,392.
Cheapest full-coverage car insurance in Connecticut: State Farm
Most Connecticut drivers get the cheapest full-coverage car insurance with State Farm, which charges $1,446 a year, on average.
Geico also offers the state’s drivers affordable full-coverage policies at an average rate of $1,716 a year.
USAA’s rates are the cheapest overall in Connecticut, at $1,440 a year, but the company only sells car insurance to active and veteran military as well as their families.
To compare, the average Connecticut driver pays $2,346 a year for full-coverage car insurance.
Cheapest companies for full-coverage car insurance
| Company | Average annual rate |
|---|---|
| State Farm | $1,446 |
| Geico | $1,716 |
| Farmers | $2,392 |
| Amica | $2,431 |
| Nationwide | $2,730 |
| Allstate | $2,857 |
| Progressive | $3,756 |
| USAA* | $1,440 |
Full-coverage car insurance combines liability with collision and comprehensive coverages. Collision coverage pays to repair your own vehicle after an accident. Comprehensive coverage pays for damage from noncollision events, like a fallen tree branch, auto theft or vandalism.
Connecticut doesn’t require drivers to carry full-coverage car insurance, but if you financed your car, your lender would usually require you to carry full coverage until your loan is paid off.
Cheapest Connecticut liability coverage: State Farm
State Farm has the cheapest annual rate for liability car insurance in Connecticut, at an average of $713 a year.
Geico is the second-cheapest at $767 a year. The average cost of liability auto insurance in Connecticut is $1,088 a year.
Cheapest companies for liability car insurance
| Company | Average annual rate |
|---|---|
| State Farm | $713 |
| Geico | $767 |
| Amica | $1,056 |
| Allstate | $1,280 |
| Progressive | $1,360 |
| Nationwide | $1,411 |
| Farmers | $1,484 |
| USAA* | $633 |
Liability car insurance covers injuries and property damage you cause to others in an accident. Unlike full-coverage car insurance, liability doesn’t cover damage to you or your car.
Cheapest rates for young drivers in Connecticut: State Farm
Connecticut teens looking for cheap auto insurance get the lowest rate with State Farm, at an average of $2,272 a year.
Geico has the next-cheapest rate of $2,559 a year.
Cheapest liability car insurance companies for young drivers
| Company | Average annual rate |
|---|---|
| State Farm | $2,272 |
| Geico | $2,559 |
| Amica | $2,589 |
| Allstate | $3,839 |
| Nationwide | $5,531 |
| Progressive | $5,929 |
| Farmers | $6,245 |
| USAA* | $1,563 |
Teens pay the highest rates for car insurance of any age range. This is because they’re involved in more accidents than older drivers. An 18-year-old driver in Connecticut pays an average of $3,816 a year for liability car insurance.
If you’re looking to save money on car insurance for a teen in your home, put them on your current policy. This will raise your premium, but it should still be cheaper than if your teen bought their own policy.
Cheapest rates after a speeding ticket in Connecticut: State Farm
After a speeding ticket, drivers in Connecticut can find the lowest full-coverage car insurance quote with State Farm, at $1,549 a year, on average.
Geico is the next-cheapest choice at $2,568 a year.
Cheapest car insurance companies after a ticket
| Company | Average annual rate |
|---|---|
| State Farm | $1,549 |
| Geico | $2,568 |
| Nationwide | $2,730 |
| Amica | $2,812 |
| Farmers | $2,854 |
| Allstate | $2,857 |
| Progressive | $4,951 |
| USAA* | $1,654 |
A speeding ticket stays on your driving record for two years in Connecticut. During that time, you will probably pay high car insurance rates.
Cheapest rates after an accident in Connecticut: State Farm
Connecticut drivers with an at-fault car accident on their record get the cheapest car insurance with State Farm, at an average of $1,549 a year.
The next-cheapest rate is Geico, at $3,063 a year.
Cheapest car insurance companies after an accident
| Company | Average annual rate |
|---|---|
| State Farm | $1,549 |
| Geico | $3,063 |
| Amica | $3,670 |
| Nationwide | $4,159 |
| Farmers | $5,115 |
| Allstate | $5,180 |
| Progressive | $5,551 |
| USAA* | $2,037 |
Your car insurance rate may not go up if you didn’t cause the accident. You should expect it to increase with an at-fault accident, though, as most car insurance companies will then see you as a high-risk driver.
Best rates after a DUI in Connecticut: Allstate
State Farm has the cheapest car insurance for drivers with a DUI (driving under the influence) conviction in Connecticut, at an average of $4,129 a year.
Progressive is the next-lowest at $4,468 a year.
Cheapest car insurance companies after a DUI
| Company | Average annual rate |
|---|---|
| Allstate | $4,129 |
| Progressive | $4,468 |
| Nationwide | $5,250 |
| Farmers | $5,353 |
| State Farm | $6,762 |
| Geico | $6,895 |
| Amica | $8,439 |
| USAA* | $2,977 |
A DUI stays on your car insurance record for three to five years in Connecticut. During that time, you can expect to pay higher car insurance rates.
Best Connecticut rates for bad credit: Geico
Connecticut drivers with a poor credit rating pay the cheapest rate for auto insurance with Geico, at an average of $2,568 a year.
Nationwide is the next-best option, at an average of $4,179 a year.
Cheapest car insurance companies for drivers with poor credit
| Company | Average annual rate |
|---|---|
| Geico | $2,568 |
| Nationwide | $4,179 |
| Allstate | $4,749 |
| Farmers | $4,776 |
| Progressive | $5,386 |
| State Farm | $5,666 |
| Amica | $7,570 |
| USAA* | $2,363 |
Car insurance companies see a link between credit rating and the risk of filing a claim. The worse your credit rating, the more you’ll usually pay for car insurance. Insurance companies can’t do this everywhere, as some states ban or limit credit-based insurance scoring.
Insurance rates by city in Connecticut
Of the 25 biggest cities in Connecticut, New London has the cheapest average rate for auto insurance, at $2,161 a year.
Bridgeport has the highest average auto insurance rate, at $3,230 a year.
Cheapest car insurance rates by city
| City | Average annual rate |
|---|---|
| Bridgeport | $3,230 |
| Bristol | $2,347 |
| Danbury | $2,413 |
| East Hartford | $2,683 |
| East Haven | $2,846 |
| Hartford | $3,179 |
| Manchester | $2,396 |
| Meriden | $2,467 |
| Middletown | $2,344 |
| Milford | $2,636 |
| Naugatuck | $2,738 |
| New Britain | $2,596 |
| New Haven | $3,202 |
| New London | $2,161 |
| Newington | $2,345 |
| Norfolk | $2,216 |
| North Haven | $2,660 |
| Norwich | $2,221 |
| Shelton | $2,506 |
| Stamford | $2,570 |
| Torrington | $2,232 |
| Waterbury | $3,020 |
| West Hartford | $2,408 |
| West Haven | $2,911 |
| Wethersfield | $2,372 |
Minimum coverage for car insurance in Connecticut
Connecticut’s required liability car insurance limits are:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $25,000 property damage coverage
- $25,000 per person/$50,000 per accident uninsured motorist coverage
Methodology
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of car insurance quotes for sample drivers. Your rates may vary.
Unless stated otherwise, we used thousands of car insurance quotes from across Connecticut for a 30-year-old man. Our sample driver has good credit and no tickets, accidents or convictions for driving under the influence. Our sample vehicle is a 2015 Honda Civic EX. Our sample teen driver is an 18-year-old male with a clean driving record.
Full-coverage policies include:
- Bodily injury liability: 50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive $500 deductible
*USAA is only available to active duty military, veterans and their families.