In Connecticut, full coverage car insurance averages $1,896 yearly, while minimum coverage is about $995. These rates are $600 and $400 more than the national average, making Connecticut pricier for both types of car insurance.
Average Cost of Car Insurance in Connecticut
Updated: December 26, 2024
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Key Takeaways
Drivers in the Nutmeg State pay 46% more for full coverage car insurance than the national average.
For minimum coverage, residents pay 67% more compared to the national average.
Car insurance costs about $1,896 for full coverage and $995 for minimum coverage, making it one of the more expensive states.
How Much Is Car Insurance in Connecticut?
| Full Coverage | $1,896 | $1,296 | 46% |
| State Minimum Liability Only | $995 | $595 | 67% |
Read More: Average Cost of Car Insurance
Connecticut Car Insurance Rates by Coverage Level
Your choice of coverage level impacts car insurance rates in the Nutmeg State. Opting for higher liability limits and full coverage will raise your rate, while a higher deductible can reduce your premium. Here are the average rates for minimum coverage and full coverage in Connecticut, with different deductibles and liability limits.
| 300/500/300 | Full Coverage | $2,119 | $1,500 |
| 300/500/300 | Full Coverage | $2,110 | $500 |
| 300/500/300 | Full Coverage | $2,062 | $1,000 |
| 100/300/100 | Full Coverage | $1,953 | $1,500 |
| 100/300/100 | Full Coverage | $1,943 | $0 |
| 100/300/100 | Full Coverage | $1,896 | $1,000 |
| State Minimum | Full Coverage | $1,774 | $1,500 |
| State Minimum | Full Coverage | $1,764 | $500 |
| State Minimum | Full Coverage | $1,717 | $1,000 |
| 300/500/300 | Liability Only | $1,531 | $0 |
| 100/300/100 | Liability Only | $1,265 | $0 |
| State Minimum | Liability Only | $995 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Connecticut Car Insurance Cost by City
Car insurance rates in Connecticut's cities can change due to crime, traffic and costs for health care or car fixes. Stamford has the most affordable annual full coverage at $1,374, while New Haven's rate is higher at $1,847. Compare these to Bridgeport's $1,779 and Hartford's $1,771. Check the table below to see how these rates stack up against the state average.
| Bridgeport | $1,779 | -7% | $900 | -18% |
| Hartford | $1,771 | -7% | $890 | -19% |
| New Haven | $1,847 | -3% | $952 | -13% |
| Stamford | $1,374 | -28% | $711 | -35% |
| Waterbury | $1,641 | -14% | $817 | -25% |
Average Connecticut Car Insurance Cost by Age
In Connecticut, age impacts car insurance rates, with younger drivers paying more due to their high-risk profile. On average, 25-year-olds pay 26% more for full coverage and 16% more for state minimum coverage than 40-year-olds. Compared to 65-year-olds, they pay even higher rates, with increases of 26% and 16%, respectively.
| 25 | $2,398 | $1,268 |
| 40 | $1,896 | $995 |
| 65 | $1,941 | $1,050 |
In most places, your age can change your car insurance price. But in California, Massachusetts and Hawaii, your age doesn't affect the cost of minimum coverage.
Car Insurance Costs in Connecticut for Young Drivers by Gender
In Connecticut, young drivers face higher car insurance costs due to increased risk from more frequent accidents. Drivers aged 18 to 25 pay an average of $1,396 per year when added to a family policy, which is a 53% hike compared to buying an individual policy.
Gender also plays a role in car insurance rates for young drivers in the Nutmeg State. On average, female drivers aged 18 to 25 pay $2,012 annually, saving 12% compared to their male counterparts. Below, find the average car insurance costs for individual and family policies for young drivers in Connecticut, detailed by gender.
Car Insurance Costs in Connecticut for Young Females
An 18-year-old female in Connecticut pays about $1,339 for full coverage on a family car insurance plan. Choosing an individual policy can bump the rate up to $3,692, a steep increase for the same coverage.
| 18 | $3,692 | $1,339 | -64% |
| 19 | $2,515 | $1,687 | -33% |
| 20 | $2,245 | $1,502 | -33% |
| 21 | $1,848 | $1,238 | -33% |
| 22 | $1,686 | $1,345 | -20% |
| 23 | $1,482 | $1,199 | -19% |
| 24 | $1,404 | $1,136 | -19% |
| 25 | $1,226 | $1,002 | -18% |
Car Insurance Costs in Connecticut for Young Males
An 18-year-old male in Connecticut pays an average of $4,175 for full coverage auto insurance. By joining a family policy, the cost drops to $1,550, offering a 63% annual savings.
| 18 | $4,175 | $1,550 | -63% |
| 19 | $2,945 | $1,928 | -35% |
| 20 | $2,583 | $1,693 | -34% |
| 21 | $2,066 | $1,359 | -34% |
| 22 | $1,859 | $1,572 | -15% |
| 23 | $1,646 | $1,398 | -15% |
| 24 | $1,503 | $1,279 | -15% |
| 25 | $1,297 | $1,115 | -14% |
Average Connecticut Car Insurance Cost by Driving Record
In Connecticut, driving offenses can hike your car insurance up to 206% over the state's average. We've broken down how much more you might pay for at-fault accidents, DUIs and speeding tickets compared to drivers with no violations.
| At-Fault Accident | $2,855 | 50% | $1,502 | 37% |
| DUI | $5,837 | 206% | $2,903 | 165% |
| Ticket | $2,258 | 18% | $1,148 | 5% |
Read More: High-Risk Car Insurance in Connecticut
Average Connecticut Car Insurance Cost by Credit Score
In Connecticut, your credit-based insurance score plays a big part in setting car insurance prices. On average, drivers with excellent credit may pay around $998 yearly for full coverage, while those with poor credit could face up to $1,918.
| Excellent | $998 | -48% | $432 | -61% |
| Good | $1,192 | -38% | $517 | -53% |
| Fair | $1,416 | -26% | $607 | -45% |
| Below Fair | $1,627 | -15% | $699 | -36% |
| Poor | $1,918 | 1% | $799 | -27% |
CREDIT SCORES AND YOUR PREMIUM
A credit score between 670 and 739 indicates financial trustworthiness and can reduce insurance rates for drivers in Connecticut. However, Hawaii, Massachusetts, Maryland, California and Michigan do not allow credit-based insurance scores for pricing. In North Carolina, Oregon, Washington, Utah and Nevada, credit scores are considered only in specific situations.
Average Connecticut Car Insurance Cost by Company
Car insurance costs can differ a lot from one company to another. In Connecticut, GEICO offers the cheapest average yearly full coverage at $948. At $4,572, Hanover's rates are the priciest, sitting 61.94% above the Connecticut average.
| GEICO | $948 | $435 |
| Kemper | $1,156 | $606 |
| State Farm | $1,429 | $728 |
| Nationwide | $1,601 | $865 |
| Amica Mutual | $1,715 | $845 |
| Allstate | $1,793 | $1,017 |
| Progressive | $1,956 | $1,172 |
| Hanover | $4,571 | $2,292 |
Average Connecticut Car Insurance Cost by Vehicle Age
In Connecticut, newer cars have higher insurance premiums, costing an average of $1,223 annually for full coverage. This is more expensive compared to $1,063 for a 10-year-old model.
| 10-Year-Old Vehicle | $1,063 | $558 |
| New Model Vehicle | $1,223 | $551 |
ACTUAL CASH VALUE
The actual cash value (ACV) of your car is the value determined by your insurer just before any damage. For comprehensive or collision claims, ACV is used to establish the maximum payout for repairs or replacement, subtracting any deductible. This process ensures that the claim is aligned with the vehicle's fair market value.
Read More: Used Car Insurance
Connecticut Car Insurance Rates Explained
Connecticut's car insurance rates are compared with the national average here. We reveal if they're more affordable and why. Key cost drivers include your credit-based insurance score and the choice between full coverage and state minimum plans.
Is Car Insurance Expensive in Connecticut?
Car insurance in Connecticut leans towards the expensive side, with an average full coverage monthly cost of $158. It's 46% higher than the national average, indicating a notable difference in rates for residents.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Connecticut vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Connecticut Average Cost
Full Coverage Car Insurance
$158CT Car Insurance Is Expensive:$50 more
This is 46% more expensive.
Why Are Car Insurance Rates Expensive in Connecticut?
Car insurance in Connecticut is pricey because of crowded cities, costly living, and tough laws. Wild weather also leads to more claims, making insurance higher. Find affordable plans that fit your budget and keep you covered.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Connecticut
While Connecticut's average car insurance rates reflect broad factors, your personal cost depends on your unique situation. Consider age, driving history and vehicle type when estimating your car insurance expenses in the Nutmeg State.
Driving Record
Keep your driving record free of violations and accidents to qualify for lower insurance premiums, as insurers favor responsible drivers.
Age and Gender
Younger drivers and males typically face higher rates. Shop around once you reach age milestones that may reduce your premiums.
Credit History
A higher credit score can lead to lower car insurance costs. Pay bills on time and reduce debt to improve your credit.
Vehicle Type
Opt for a car with a strong safety record and lower repair costs. High-performance or luxury vehicles often come with higher insurance rates.
Location
Living in areas with lower crime rates and less traffic can reduce your premiums. Update your policy if you move to such an area.
Coverage Level
Balance your need for protection with affordable premiums by choosing the appropriate coverage level for your situation.
Marital Status
Married drivers may receive lower rates. Inform your insurer of your marital status change to potentially benefit from reduced premiums.
State Law
Understand Connecticut's insurance requirements to ensure you're meeting legal coverage minimums, which can help avoid unnecessary fines and fees.
Read More: Connecticut Car Insurance Calculator
Minimum Car Insurance in Connecticut
In Connecticut, the average state minimum car insurance rate is $995, which is higher than the national average of $595. This minimum coverage is more affordable compared to full coverage insurance, due to the state's set limits. Below is a table detailing these minimum requirements.
Connecticut Car Insurance Requirements
In Connecticut, drivers must have minimum coverage auto insurance. This includes $25,000 for bodily injury per person, $50,000 per accident and $25,000 for property damage. It also requires $25,000 for uninsured/underinsured motorist coverage per person and $50,000 per accident.
Liability Limits | Description |
|---|---|
$25,000 for bodily injury liability per person | Medical expenses if you're at fault in an accident |
$50,000 for bodily injury liability per accident | Multiple injured parties in a single incident |
$25,000 for property damage liability per accident | Cost of repairs or replacement of damaged property |
$25,000 uninsured motorist bodily injury per person | Cost of coverage if you're hit by a driver without insurance |
$50,000 uninsured motorist bodily injury per accident | Cost to cover injuries from uninsured drivers |
How to Lower Car Insurance Costs in Connecticut
To save on Connecticut car insurance, compare rates, choose higher deductibles and grab all discounts.
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help you find affordable car insurance in your state, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
A better credit score or clean driving record without any at-fault accidents or moving violations can significantly lower insurance premiums because insurers view you as a lower risk.
- 3
Adjust Your Coverage
Reviewing coverage needs can help ensure you're paying only for the coverage you need. For example, drivers who can afford it can lower costs with increased deductibles, and low-mileage drivers can decrease costs with usage-based policies.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a state-approved defensive driving course and bundling policies, as these can lead to drastically lower premiums.
- 5
Consider the Car You Drive
Driving a car that's less expensive to insure, such as one with good safety ratings, can lead to lower insurance costs wherever you reside.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Connecticut: Bottom Line
In Connecticut, drivers pay around $1,896 for full coverage car insurance yearly, which is higher than the national average. Factors like driving history, car model and age affect these rates. Compared to other states, it's on the pricier side for drivers.
Connecticut Car Insurance Rates: FAQ
Get answers about what impacts the average cost of car insurance in Connecticut and how to find affordable rates.
What are the minimum car insurance requirements in Connecticut?
In Connecticut, drivers must carry minimum car insurance requirements that include $25,000 for bodily injury liability per person, $50,000 per accident and $25,000 for property damage liability. Additionally, uninsured/underinsured motorist coverage is required at $25,000 per person and $50,000 per accident. The cost of this basic coverage will vary depending on individual circumstances and the insurance provider.
What is the average cost of full coverage and minimum coverage auto insurance in Connecticut?
In Connecticut, the average annual cost for full coverage auto insurance is $1,896, while state minimum coverage averages at $995 per year. These rates compare to the national averages of $1,296 and $595, respectively.
What is the average cost of car insurance for a 25-year-old in Connecticut?
The average cost of full coverage car insurance for a 25-year-old in Connecticut is $2,398, while state minimum coverage averages around $1,268.
What are the cheapest car insurance companies in Connecticut?
GEICO offers the most affordable car insurance in Connecticut, with rates at $948 annually for full coverage, or $79 monthly. Their minimum coverage costs $435 annually, or $36 monthly. While savings are important, choosing the cheapest option should still provide adequate financial protection against significant losses.
Connecticut Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in Connecticut:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Connecticut:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.