Updated: December 3, 2024
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Choosing the best car insurance in Connecticut hinges on individual needs.** Nationwide** emerges as the top pick overall with the highest MoneyGeek score. Amica Mutual offers superior value for those seeking minimum coverage. For families with teen drivers, GEICO ranks highest.
Cheapest car insurance in Connecticut is available if cost is your primary consideration, regardless of service quality.
The best overall car insurance provider in Connecticut is Amica Mutual, with a stellar MoneyGeek score of 99 out of 100 and an annual premium of $1,715, while Nationwide is the runner-up.
For drivers seeking minimum coverage car insurance in Connecticut, Amica Mutual is the top provider, offering a premium blend of customer satisfaction, affordability, and quality service for an annual premium of $845.
In Connecticut, Amica Mutual stands out as the best car insurance provider for customer service with an impressive MoneyGeek score of 99 out of 100, while the runner-up, Nationwide, follows with a score of 84 out of 100.
Why Trust MoneyGeek? We created an insurance scoring system for providers in Connecticut based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Connecticut.
Amica Mutual stands out as Connecticut's top-rated car insurance provider, boasting a MoneyGeek score of 94 out of 100. Analyzing car insurance companies across the state revealed a score range from 68 to 94, illustrating the variability within MoneyGeek's baseline scoring system. It is important to note that individual scores can differ by driver type, with some insurers performing better for specific customer profiles.
How does MoneyGeek score companies?
When assessing insurance options, the MoneyGeek scores are paramount, especially valuing customer satisfaction and affordability. However, the evaluation does not end there. Claims experience and offered coverages also play significant roles, carrying substantial weight in the overall assessment. This holistic approach to scoring ensures a well-rounded view of an insurer's performance, blending both cost and quality of service.
Given there is no data in the no_score dataset, there's no need to discuss insurers that did not qualify for a MoneyGeek score.
| Amica Mutual | 94 | $1,715 |
| Nationwide | 88 | $1,226 |
| GEICO | 84 | $948 |
| State Farm | 82 | $1,429 |
| Progressive | 81 | $1,393 |
| Allstate | 76 | $1,793 |
| Kemper | 76 | $1,156 |
| Hanover | 68 | $4,098 |
MoneyGeek found that Amica Mutual is the best option in Connecticut for those seeking the best full coverage car insurance, with standout services and reliability. Providing an exceptional blend of customer service and affordability, the top providers in Connecticut are:
Amica Mutual distinguishes itself with the highest MoneyGeek score in Connecticut, thanks largely to its superior customer satisfaction and claims handling performance. Their commitment to excellence in these areas has solidified their top standing among insurance providers.
Connecticut drivers have access to various companies offering different cost and service experiences. For those who wish to prioritize their budgets, MoneyGeek also evaluated the companies that offer the cheapest full coverage car insurance in Connecticut. It's important to consider individual needs and financial circumstances when choosing a car insurance provider.
Ranks well in state for general customer satisfaction
Ranks well in state for claims satisfaction
Offers rare coverages like glass deductible modification and identity theft coverage
Does not excel in customer service
More expensive with an average annual premium of $1,715
Does not offer rental car and/or travel reimbursement or OEM coverage
Amica Mutual's impressive MoneyGeek Score is predominantly attributed to its exceptional satisfaction score of 35 (out of 35) and claims handling score of 20 (out of 20). While this insurer offers comprehensive common coverages like rental car and/or travel reimbursement and roadside assistance, it's notable for its valuable rare coverages, such as glass deductible modification, which reduces costs associated with windshield repair and identity theft coverage, ensuring digital security. Accident forgiveness and gap insurance increase Amica Mutual's appeal.
MoneyGeek found that Amica Mutual is the best option in Connecticut for top-notch customer service in car insurance.
Amica Mutual shines with an exceptional balance of satisfaction and claims handling, both vital contributors to its near-perfect MoneyGeek score. Even though Amica Mutual's annual premium is higher than the runner-up, Nationwide, it emphasizes that customers are paying for a more consistent and premium service experience.
In Connecticut, drivers have a wide array of options when it comes to car insurance, with providers offering varying levels of customer satisfaction and claims experiences. Superior customer service is critical in insurance because it ensures peace of mind during stressful times, like after an accident. Likewise, efficient and fair claims processing translates to quicker resolutions, so customers can get back on the road with minimal inconvenience. When an insurance company excels in these areas, it underscores their commitment to customer needs and often results in higher customer loyalty and trust.
Ranks 1st in state for general customer satisfaction
Ranks 1st in state for claims satisfaction
Offers rare coverages like identity theft and glass deductible modification
Ranks 1st in state for key coverages
Does not excel in customer service
Does not offer OEM coverage
With an impressive satisfaction score of 45 (out of 45) and top-notch claims handling at 30 (out of 30), Amica Mutual shines in customer service and claims resolution. While the company offers common coverages such as roadside assistance and rental car and/or travel reimbursement, it lacks some reasonably common coverages, but is still an excellent choice.
Amica Mutual demonstrates its commitment to comprehensive coverage by offering valuable, less common options like glass deductible modification, which reduces out-of-pocket costs for glass repairs, and identity theft coverage, offering peace of mind against identity fraud risks.
MoneyGeek found that Amica Mutual is the best option in Connecticut for drivers seeking minimum coverage car insurance. The company earns the highest MoneyGeek score among the competitors, reflecting a balance of customer satisfaction, affordability and quality of service.
Amica Mutual stands out with exceptional marks in customer satisfaction and claims handling, which are significant factors in its overall MoneyGeek score. It offers the winning combination of dependable service and financial stability for an annual cost of $845 for a minimum coverage policy, which is the minimum insurance required by law in Connecticut.
While numerous companies in Connecticut provide inexpensive insurance for minimum coverage, opting for the least amount of coverage can lead to substantial out-of-pocket costs in the event of an accident that exceeds policy limits.
Offers reasonably rare discounts such as glass deductible modification and identity theft coverage
Ranks 1st in state for customer satisfaction
Ranks 1st in state for claims satisfaction
Does not offer all common discounts; missing safe driving
Ranks 6th in state for cost, with an average annual premium of $845 for minimum coverage
Customer satisfaction score is 25, indicating room for improvement in service
Amica Mutual's stellar MoneyGeek Score of 92 (out of 100). With an average annual premium of just $845, Amica Mutual offers cost-effective coverage, showcasing why the average driver can secure quality insurance without breaking the bank.
Amica Mutual's policyholders benefit from a broad range of discount opportunities, including common ones like bundling and safe driving. Their breadth of discounts notably includes those that can be reasonably rare, ensuring a customized and cost-saving insurance experience.
Amica Mutual secures its position as a leader in the insurance space through its competitive affordability Score of 33 (out of 40) and superior customer satisfaction (25 out of 25), impeccable claims Handling (20 out of 20), comprehensive coverage options (10 out of 10), and unwavering stability (4 out of 5).
Driver age greatly influences car insurance rates in Connecticut. MoneyGeek found that for teens, GEICO is the best option with high affordability and a MoneyGeek score of 91. For young adults and seniors, Amica Mutual leads with MoneyGeek scores of 97 and 95, respectively. Offering a balance of satisfaction, claims service, and stability, these insurers provide coverages and discounts tailored to the evolving needs of different age groups.
Best for teens: GEICO
Best for seniors: Amica Mutual
Best for young adults: Amica Mutual
MoneyGeek found that GEICO is the best option for car insurance for teens in Connecticut. Highlighting the top providers:
GEICO stands out primarily due to its remarkable scores in customer satisfaction and affordability, making it a top pick for consumers looking for value. The annual premium for GEICO’s policy for a teen in Connecticut is considerably cost-effective at $1,268, highlighting the importance of finding cheap car insurance for a teen in Connecticut by adding them to a family policy rather than opting for a separate one.
Adding a teen to a car insurance policy in Connecticut can be a significant financial burden because young drivers are viewed as high-risk due to their inexperience behind the wheel. This risk factor often leads to higher premiums. Insurers hedge against the potential for more frequent and costly accidents by charging higher rates for teen drivers, making their inclusion in an existing family auto insurance policy a more affordable alternative.
Offers driver's education and good student discounts
Ranks well in state for general customer satisfaction, ranking 2nd
Ranks 1st in state for cost, average annual premium $1,268 for full coverage
Doesn't excel in customer service, with a satisfaction score of 34.59
GEICO triumphs with an impressive MoneyGeek Score, propelled by exceptional satisfaction at 34 (out of 35) and topping affordability scores at 30 (out of 30). GEICO offers good student and driver's education discounts. Despite the absence of the distant student discount, the high marks in other critical areas more than compensate.
Beyond discounts, GEICO's mechanical breakdown insurance' stands out as a rare coverage option that's broadly applicable for unexpected repairs that surpass the manufacturer's warranty. Additionally, GEICO'S accident forgiveness can be earned or purchased, offering protection against premium increases stemming from your first at-fault accident.
MoneyGeek found that Amica Mutual is the best option in Connecticut for seniors looking for top-rated car insurance.
Amica Mutual stands out primarily due to its exceptional ratings in customer satisfaction and claims handling—key factors that contribute significantly to its near-perfect MoneyGeek score. Amica Mutual's annual premium for seniors is $1,689, highlighting that cheap car insurance for a senior in Connecticut may cost a bit more compared to standard adult age groups.
Car insurance for seniors in Connecticut, and other states, does not automatically come with a higher price tag when compared to middle-aged drivers. MoneyGeek bases its rates on seniors in their 60s, offering an economical option for those well into their retirement years. However, people in their more advanced years, such as the 70s and 80s, may see increased premiums, which reflects the cautious and fair assessment of insurance risk.
Offers roadside assistance and rental car/travel reimbursement
Ranks 1st in state for customer satisfaction
Ranks 1st in state for claims handling
Ranks 1st for key coverages
Ranks 6th in state for affordability, average annual premium $1,689
Amica Mutual's outstanding MoneyGeek score is primarily bolstered by their perfect satisfaction (35 out of 35) and claims (20 out of 20) scores, demonstrating their commitment to customer satisfaction and efficient claims processing. Although they don't offer mainstream or rare coverages like roadside assistance or rental car/travel reimbursement, their strong scores in other essential categories solidly compensate. The company's average annual premium stands at $1,689, and despite lacking senior-specific discounts, Amica Mutual excels in providing quality service to all age groups.
Even without coverages that cater directly to accident assistance needs, Amica proves that excellence in customer service and reliable claims resolution creates an insurance offering that resonates with consumer priorities.
MoneyGeek found that Amica Mutual is the best option in Connecticut for car insurance for young adults, delivering a premium blend of satisfaction, affordability, claim handling and coverage.
Amica Mutual has the highest customer satisfaction score, which heavily influences its MoneyGeek score. Recognizing that Amica Mutual provides exemplary service for drivers in their 20s. At a cost of $1,888 annually for a young adult's policy, Amica Mutual proves that you can secure top-notch coverage while still finding relatively cheap car insurance for a young adult in Connecticut. Younger drivers often face higher premiums across Connecticut and other states due to their inexperience on the road, which statistically leads to a greater risk of accidents and claims. Amica Mutual balances these factors effectively with a high MoneyGeek score and competitive pricing.
Ranks well in state for general customer satisfaction
Ranks well in state for claims satisfaction
Offers good student, distant student and driver's education discounts
Does not excel in customer service
More expensive than some competitors, ranking 6th in affordability
Achieving a remarkable MoneyGeek Score, Amica Mutual excels with in satisfaction (35 out of 35) and claims handling (20 out of 20), followed closely by exceptional coverage (10 out of 10). While the company may not offer specific young driver discounts, its superior scores in affordability, service, and other categories more than make up for this. As for essential car insurance coverages, Amica Mutual includes both common coverages, rental car and/or travel reimbursement and roadside assistance, ensuring comprehensive protection for its policyholders.
Amica Mutual's top-tier performance in affordability (27 out of 30), claims handling and coverage demonstrate its commitment to quality and customer service. These scores illustrate Amica Mutual's excellence in meeting customers' needs, providing financial protection without compromising on service or stability (4 out of 5).
MoneyGeek found that Amica Mutual is the best option in Connecticut for drivers with driving offenses seeking car insurance coverage.
Amica Mutual stands out in Connecticut primarily due to its exceptional combination of high customer satisfaction, claims handling and coverage options. Factors like satisfaction and claims handling are crucial for drivers with a history of speeding tickets, at-fault accidents, or DUIs, as these factors directly impact the post-claim experience. For those looking for cheap car insurance as a high-risk driver in Connecticut,
Amica Mutual offers a competitive yearly premium at $3,059, which, while pricier than what someone with a clean record might pay, reflects the pricing for drivers with infractions. These drivers are statistically more likely to file a claim, which is why premiums increase to compensate for the heightened risk insurers take on when providing coverage to those individuals.
Ranks well in state for general customer satisfaction (1st)
Ranks well in state for claims satisfaction (1st)
Offers useful coverages for those with poor records: roadside assistance, rental car/travel reimbursement, accident forgiveness and new car replacement
Does not excel in customer service (35th)
Higher cost ranking in state (7th); average premium $3,059 for full coverage with offenses
Lacks some rare coverages like glass deductible modification and identity theft protection
Amica Mutual stands out with a MoneyGeek Score of 96 signaling a commitment to customer service and reliable claims support. However, it does not offer specific coverages such as roadside assistance, rental car/travel reimbursement, accident forgiveness, or new car/better car replacement—coverages which are beneficial for drivers with a less-than-perfect record. Its strong affordability score of 27 (out of 30) and an average annual premium of $3,059—which is considered affordable relative to the market— makes Amica Mutual an economical choice for those with driving offenses. With the highest satisfaction and claims scores, Amica Mutual's policyholders can expect a seamless and supportive experience in times of need.
MoneyGeek found that Kemper is the best option in Connecticut for driverswith new cars looking for car insurance. Here's how the top companies rank:
Kemper stands out for providing not only competitive annual premiums but also coverage options essential for those with a new car. MoneyGeek emphasizes the importance of insurers offering New Car Replacement and/or Better Car Replacement coverages, which Kemper includes, thus ensuring that drivers are adequately covered. The biggest contributors to the MoneyGeek score are the satisfaction, affordability, claims handling, and coverage options provided by the insurer. Kemper's affordability is notable, with an annual cost of $1,302. Opting for an insurer that provides New or Better Car Replacement coverages can be a wise financial decision in the long run. This is because, in the event of an accident, you would be compensated for a new vehicle equivalent, rather than the depreciated value of your car, potentially saving you money compared to opting for a lower premium without this coverage.
Ranks well in state for customer satisfaction
Offers new car replacement and gap insurance
Does not excel in customer service
With outstanding marks in affordability (30 out of 30) and claims handling (20 out of 20), Kemper's high MoneyGeek score of 86 shows its balanced approach to customer needs and cost efficiency. Kemper's new car replacement coverage is an optional add-on that benefits those with new cars—it helps replace your vehicle after a total loss. The company's average annual premium stands at $1,302.
Kemper's coverage offerings, particularly the Kemper total with new car replacement, are tailored for the modern driver. If your new car suffers a total loss, you're provided with a brand-new equivalent, not just the depreciated value. While gap insurance isn't a tier 3 coverage, it complements new car replacement by covering the difference between the vehicle's market value and what you owe.
MoneyGeek found that Amica Mutual is the best option in Connecticut for car insurance tailored towards the needs of military personnel, with the highest MoneyGeek score in the state.
While USAA is also an excellent option for those with a military background, based on the MoneyGeek score, it did not win in Connecticut. Amica Mutual's leading position underscores its well-rounded excellence, with top marks in customer satisfaction and a strong showing in claims handling and coverage options. These contributing factors reflect Amica Mutual's commitment to providing an outstanding insurance experience. Amica Mutual has an annual premium of $1,715; you can also explore the cheapest car insurance in Connecticut for military drivers to find out more about car insurance if you are in the military.
Ranks well in general customer satisfaction (2nd)
Ranks top in state for claims satisfaction (1st)
Offers rare coverages like glass deductible modification and identity theft coverage
Ranks best for key coverages in the state (1st)
Does not excel in customer service (score of 33.60)
More expensive than some competitors (7th in affordability)
Does not offer rental car and/or travel reimbursement or new car replacement
Amica Mutual ranks at the top, excelling in customer satisfaction with a score of 34 (out of 35), claims handling and coverage, both at 20 (out of 20) and 10 (out of 10) respectively It offers a well-rounded service, bolstered by an average annual premium of $1,715. Amica Mutual offers a suite of common coverages that meet various customer needs. It offers a robust standard coverage package and exceptional service.
Quality coverages, such as collision and comprehensive insurance, protect against a wide range of incidents, ensuring drivers have peace of mind. Their top coverage score implies a comprehensive approach, meaning customers are likely to find essential protections tailored to their individual driving needs.
In Connecticut, the best car insurance companies unify affordability, financial stability and exceptional service. While MoneyGeek has meticulously curated this information, you can conduct independent research by following the four steps below.
Outstanding customer service is a cornerstone for car insurers in Connecticut, ensuring prompt and fair handling of claims and inquiries. Consumers are advised to consult independent data sources like JD Power and the NAIC for unbiased company service records. Amica Mutual emerges as the top choice for service in Connecticut, with MoneyGeek's research awarding it a customer satisfaction score of 45 out of 45 and a claims score of 30 out of 30.
Comparing quotes is crucial for Connecticut drivers seeking to balance cost savings with quality service. Individual research is essential, as the most affordable option varies based on personal circumstances. MoneyGeek's analysis identifies Amica Mutual as the best for minimum coverage in Connecticut, offering an annual premium of $845, which is competitive for budget-conscious drivers.
The right car insurance coverages are vital to meet the unique needs of Connecticut drivers. Research insurers to find those that offer the specific protections you require. According to MoneyGeek, Amica Mutual, Hanover, Progressive, Nationwide and Allstate all scored a perfect 10 out of 10 in coverage, indicating they provide all four key coverages sought by drivers.
Choosing an insurer with a robust financial stability rating is essential to minimize the risk of unpaid claims. MoneyGeek's findings show that State Farm and GEICO both have a perfect stability score of 5 out of 5, indicating the highest financial strength rating of A++ from A.M. Best and assuring customers of their reliability.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Amica Mutual is recognized as the best for cheap car insurance in Connecticut, with an annual premium for a minimum coverage policy at $845 and a MoneyGeek score of 92. While minimum coverage policies are the most affordable, they offer less protection, which could lead to higher out-of-pocket expenses in an accident. Consumers can find affordable full coverage policies by comparing quotes.
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.
