Updated: December 1, 2024
Advertising & Editorial Disclosure
Drivers in Connecticut pay an average of $1,896 yearly for full coverage car insurance, while the average annual cost for minimum coverage is $995.
Your car insurance premium depends on factors like age, coverage level, where you live, driving record and credit history. Affordable plans are available, but prices can change based on personal details.
ConnecticutCar InsuranceCostsWhy Trust MoneyGeek? To pinpoint the most precise average costs for various drivers across Connecticut, MoneyGeek compiled data from Quadrant Information Services and the Connecticut Insurance Department. This was done using sample driver profiles that reflect the typical criteria insurers use to determine premiums.
These rates reflect the average cost of car insurance in Connecticut as of November 2024.
The average cost of full coverage car insurance in Connecticut is $1,896 yearly. Understanding the average car insurance cost can help you compare whether you're being offered an affordable or costly quote. You can find more affordable rates by comparing car insurance quotes.
The table below breaks down the average cost of auto insurance in Connecticut, whether you're looking for minimum coverage or more comprehensive full coverage.
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,896 | $158 |
| 100/300/100 Liability Only | $1,265 | $105 |
| State Minimum Liability Only | $995 | $83 |
Car insurance in Connecticut is on the expensive side. The average annual premium for state minimum coverage is $995 or approximately $83 monthly. Comparatively, the national average cost of car insurance for the same level of coverage is around $628 annually or about $52 monthly. Connecticut's rate for full coverage with a $1,000 deductible is also higher, costing about $1,826 yearly or $152 per month, while the national average is notably lower at $1,337 annually or $111 per month.
Factors contributing to Connecticut's higher car insurance rates include its dense population, the high cost of living and the higher rate of insurance claims, which can lead to more expensive vehicles on the road, and the likelihood of costly claims due to weather-related risks like winter storms. State laws and insurance requirements can also affect how much drivers pay for coverage.
Car insurance premiums vary from company to company, even in the same state. In Connecticut, GEICO offers the cheapest full coverage at around $948 per year, while Hanover has the most expensive average premium at $4,571 per year.
When looking for the cheapest car insurance in Connecticut, it's better to compare quotes from different providers to ensure you are getting the most affordable rate for your coverage needs.
| GEICO | $948 | $79 |
| Kemper | $1,156 | $96 |
| State Farm | $1,429 | $119 |
| Nationwide | $1,601 | $133 |
| Amica Mutual | $1,715 | $143 |
| Allstate | $1,793 | $149 |
| Progressive | $1,956 | $163 |
| Hanover | $4,571 | $381 |
Car insurance costs in Connecticut are also influenced by the coverage level selected. For example, monthly minimum coverage is more affordable at approximately $83, whereas full coverage with a $1,000 deductible costs roughly $158 per month. Despite the higher price, full coverage insurance is advisable as it offers broader financial protection in the event of an accident or other damages to your vehicle.
Choosing comprehensive and collision coverage will undoubtedly raise your premium, but opting for higher deductibles, like $1,000, can help offset that increase. Remember that the deductible applies individually to both comprehensive and collision coverage on your policy, making each claim subject to the set deductible amount.
| State Minimum Liability Only | $995 | $83 |
| 100/300/100 Liability Only | $1,265 | $105 |
| 300/500/300 Liability Only | $1,531 | $128 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $1,717 | $143 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,764 | $147 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $1,774 | $148 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,896 | $158 |
| 100/300/1000,000 - 500 comp_coll | $1,943 | $162 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $1,953 | $163 |
| 300/500/300 Full Cov. w/$1,000 Ded | $2,062 | $172 |
| 300/500/300 Full Cov. w/$500 Ded. | $2,110 | $176 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $2,119 | $177 |
Connecticut's minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 per accident, $25,000 for property damage and matching uninsured/underinsured motorist coverage.
$25,000 for bodily injury liability per person
This is the minimum amount required in Connecticut to cover injuries to one person in an accident you cause.
$50,000 for bodily injury liability per accident
This coverage pays for injuries to multiple people in an accident, with a Connecticut state minimum total limit.
$25,000 for property damage liability per accident
Connecticut requires this minimum amount for damage you cause to another person's property in an accident.
$25,000 uninsured motorist bodily injury per person
This covers the injuries per person caused by a driver who lacks adequate insurance in Connecticut.
$50,000 uninsured motorist bodily injury per accident
This is the minimum per accident for injuries caused by an uninsured driver in Connecticut.
Your location, down to the city, can impact car insurance premiums significantly. Full coverage in Stamford is an affordable $1,374 per year, compared to the higher cost for the same policy in New Haven at around $1,847.
Car insurance costs in Connecticut vary due to several key factors, including your driving record, the type of car you drive and even your credit history. Where you park your car and how much you drive also influence premiums.
| Bridgeport | $1,779 | $900 |
| Hartford | $1,771 | $890 |
| New Haven | $1,847 | $952 |
| Stamford | $1,374 | $711 |
| Waterbury | $1,641 | $817 |
Age impacts car insurance costs in Connecticut. Young drivers aged 22 to 29 typically pay the most, with an annual average of $2,398 for full coverage. As motorists mature, rates tend to decrease. Adults between 30 and 59 see an average rate of $1,896 per year.
Premiums for those over 60 slightly increase to an average of $1,941 annually. Thus, car insurance tends to be more affordable as drivers gain experience before slightly increasing for senior drivers.
| 22-29 | $2,398 | $200 |
| 30-59 | $1,896 | $158 |
| 60 + | $1,941 | $162 |
Age and gender affect car insurance rates in Connecticut, with 16-year-old male drivers experiencing some of the highest premiums. On average, adding a male teen of this age to a family car insurance policy costs $2,746 annually, marking a steeper price point when compared to other demographics.
Teens under 18 usually need a parent or guardian to co-sign for car insurance. If a 16-year-old male opts for an individual policy, the premium skyrockets to around $7,752 per year.
The average annual cost of full coverage insurance for a 2012 car model is $1,063, compared to the $1,223 needed for a 2022 model. Newer models often bear higher premiums due to their increased actual cash value, pricier repair costs and greater risk of theft.
Experts recommend that those with newer vehicles consider investing in comprehensive and collision coverage, ensuring protection against a wide array of potential mishaps, ranging from accidents to theft and natural disasters.
| 2012 Vehicle | $1,063 | $89 |
| 2022 Vehicle | $1,223 | $102 |
The actual cash value (ACV) of your vehicle is used by insurance companies to determine the payout amount for a comprehensive or collision claim. This figure represents your vehicle’s market value at the time of the claim, accounting for depreciation. In the event of a covered loss, your insurer will pay up to the ACV to repair or replace your vehicle.
Drivers in Connecticut can expect their car insurance rates to be impacted by their driving records. Here are the average costs based on different violations:
The more severe the violation, the higher the premium will be in Connecticut. Violations like tickets, at-fault accidents or DUIs will influence your premiums until they are removed from your record, which varies by state. For instance, a DUI in Connecticut can significantly impact your insurance rates for up to 10 years, while other violations might not affect your premiums for as long.
Although a DUI typically results in the highest insurance rates, there can be exceptions depending on the insurance company and state laws. In some cases, other driving violations could lead to similarly high costs.
Explore the table to find out how different coverage and age groups affect the average cost of car insurance in Connecticut for each type of driving record.
| Clean | $1,896 | $158 |
| Ticket | $2,258 | $188 |
| At-fault Accident | $2,855 | $238 |
| DUI | $5,837 | $486 |
In Connecticut, the average annual cost of car insurance can vary significantly based on your credit score, ranging from $840 for those with excellent credit to $1,582 for drivers with poor credit. Your credit score plays an important role in determining car insurance rates in Connecticut.
A good credit score is considered to be within the range of 670 to 739, while excellent credit is 740 and above. Conversely, a score below 670 may lead to higher insurance costs.
| Excellent | $840 | $70 |
| Good | $1,001 | $83 |
| Fair | $1,182 | $98 |
| Below Fair | $1,355 | $113 |
| Poor | $1,582 | $132 |
There are several key factors that shape car insurance rates in Connecticut. Here are some of them:
To secure affordable car insurance in Connecticut, compare rates, increase your deductible and utilize all eligible discounts for immediate savings on minimum coverage plans.
Shop Around
Comparing rates from multiple insurers can help you find the cheapest car insurance in Connecticut, potentially saving you hundreds of dollars annually.
Maintain a Clean Driving Record
Avoiding accidents and traffic violations can significantly lower your premiums, as insurers favor drivers with a history of safe driving.
Bundle Policies
Purchasing car insurance together with other policies like home insurance can unlock discounts and lead to more affordable coverage.
Increase Deductibles
Opting for higher deductibles can reduce your monthly premiums. Ensure you can afford the out-of-pocket costs if you file a claim.
Take Advantage of Discounts
Insurers offer various discounts for things like multiple cars, defensive driving courses and anti-theft devices, which can make your insurance more affordable.
Consider Vehicle Choice
Choosing a car that's cheaper to insure, such as one with good safety ratings, can lead to lower insurance costs in Connecticut.
Our FAQ aims to provide clear information on what to expect financially when insuring your vehicle in the Constitution State. It's tailored to help you make informed decisions without the guesswork.
Connecticut law requires drivers to carry a minimum of $25,000 in bodily injury liability per person and $50,000 per accident. Additionally, $25,000 is needed for property damage liability per accident. Uninsured motorist bodily injury coverage is also compulsory, with $25,000 per person and $50,000 per accident. Opting for higher coverage can provide more comprehensive protection. For further details, check out the state minimum car insurance coverage.
On average, Connecticut drivers spend $1,896 annually for full coverage auto insurance. Minimum coverage is less expensive, averaging $995 per year. This breaks down to approximately $158 monthly for full coverage and $83 for minimum coverage.
A 22-year-old in Connecticut typically pays around $2,398 per year for full coverage with a $1,000 deductible, equating to about $200 monthly. A 100/300/100 liability-only plan costs an average of $1,620 annually, or $135 monthly. The state minimum coverage is about $1,268 per year, or $106 monthly. Comparing these rates can help you find the right plan.
GEICO is known for offering the cheapest car insurance in Connecticut, with minimum coverage priced at approximately $435 annually.
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.
