Cheapest Car Insurance in Connecticut

GEICO offers the most affordable minimum coverage auto insurance for Connecticut drivers at just $36 monthly and $435 annually. This rate is a substantial $509 less than the average cost in the state. These rates are sourced from Quadrant Information Services and represent the lowest in Connecticut as of December 2024. Read our research methodology to learn how we found the cheapest Connecticut car insurance.

GEICO is the cheapest car insurance company for most drivers, with an average monthly cost of $58 for both minimum and full coverage. This rate is lower than the state's average of $115. Kemper, State Farm, Progressive and Nationwide also offer affordable rates.

We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

GEICO offers the most affordable car insurance for both state minimum and full coverage for most drivers in the Constitution State. However, your rate depends on your background. Check the table below for the cheapest rates for different driving profiles.

Finding the cheapest car insurance doesn't have to be daunting. Many companies offer competitive rates that won't break the bank. To make an informed choice, compare options and understand what each policy offers.

Along with the cheapest rate offered by GEICO, Kemper, State Farm and Progressive also offer cheap minimum liability coverage for drivers in the Constitution State. Use the table below to explore rates for similar companies with the best minimum coverage rates and see how they compare to the monthly state average.

GEICO is the cheapest provider for full coverage auto insurance in Connecticut, averaging $79 per month or $948 per year. This cost is notably lower than the state's average. Check the table below for other provider options.

In Connecticut, young adult drivers find GEICO the most affordable option. A minimum coverage policy with GEICO costs just $46 monthly for a 25-year-old driver.

We used minimum coverage for a 25-year-old driver with good credit and no driving violations to determine the cheapest provider.

For young drivers in Connecticut, GEICO and Progressive often offer the most affordable auto insurance options. GEICO provides minimum coverage at $46 monthly and full coverage at $101. Rates may vary based on your driving record and other factors, but the companies listed here are a good starting point for finding affordable insurance.

Read More: Cheapest Car Insurance for Young Drivers

GEICO offers affordable rates for senior drivers in Connecticut. The average monthly cost for minimum coverage is $37.

We used minimum coverage for a 65-year-old driver with good credit and no driving violations to determine the cheapest provider.

For senior drivers in the Constitution State, GEICO often has the most affordable rates for minimum and full coverage, as well as for drivers with bad credit, accidents or speeding tickets. State Farm is the go-to for those with a DUI. Rates may vary, so use the table below to guide your search.

Read More: Cheapest Car Insurance for Seniors

Drivers in the Constitution State with a DUI, at-fault accident or speeding ticket are labeled as high-risk by insurers and face higher car insurance costs compared to those with a clean record. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for drivers with these violations.

State Farm offers the best rates for Connecticut drivers with DUIs, averaging $68 per month ($821 per year) for minimum coverage. Check the table below for more insurance providers and their average monthly premiums for drivers with DUIs in the Nutmeg State.

We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $53 per month ($636 per year), GEICO is the cheapest company for drivers after an at-fault accident. The table below lists other insurers offering affordable minimum coverage for those with accidents on their records.

We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

GEICO offers the most affordable insurance for drivers with speeding tickets, with rates averaging $42 per month. Check the table below to compare providers offering state minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

GEICO stands out as the cheapest car insurance provider for drivers with poor credit scores, offering a monthly rate of $56 and an annual rate of $503 for minimum coverage. Check the table below for more options from other providers.

These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Your location greatly affects your car insurance rates. Cities within the same state can have different rates due to factors like the number of people living there, risk of floods and crime.

For example, GEICO charges $52 per month for state minimum coverage in Bridgeport, while in Hartford, the rate is $47. Check the table below to find your city, the most affordable company and the lowest average monthly car insurance premium.

The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

For affordable bundle home and auto insurance in Connecticut, State Farm leads at $2,530. See more cheap companies in the table below.

Rates are for a 40-year-old driver with good credit and no driving violations.

In Connecticut, the monthly average price for full coverage car insurance is $152, while state minimum coverage is $79. By understanding the average cost of car insurance in Connecticut, you can gauge if your current rate is reasonable, ensuring you're well-informed when shopping for the best deal.

Car insurance costs vary across Connecticut. Check out the average rates for your city below.

Car insurance is expensive in Connecticut but only ranks eighth for the costliest among states. Reasons include dense population, frequent natural events and a higher chance of car theft.

Under Connecticut law, all drivers must have car insurance policies with at least the minimum coverage limits. These limits include $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per accident. Additionally, there are requirements for uninsured/underinsured motorist coverage at $25,000 per person and $50,000 per accident.

If you finance or lease your car, you'll need to purchase comprehensive and collision insurance on top of the minimum liability coverages. While a minimum liability auto insurance policy is the most affordable option, it provides the least financial protection. For greater security on the road, experts suggest opting for full coverage insurance with the highest deductible and liability limits you can afford.

Drivers with serious traffic violations like speeding or drunk driving might need to file for SR-22 insurance, which can increase their premiums. In Connecticut, you or your insurance provider can submit the SR-22 form. The SR-22 is valid for three years from your most recent offense.

Self-insurance is a popular car insurance alternative in Connecticut. It allows residents to meet the state’s minimum coverage requirements by demonstrating financial responsibility. This option can be cost-effective for those who can afford to cover potential accident costs.

Business owners can consider fleet insurance, which covers multiple vehicles under one policy. This can simplify management and potentially reduce overall costs. By insuring all company vehicles together, business owners can ensure they meet the required coverage while possibly benefiting from bulk rates.

MoneyGeek recommends that drivers get full coverage car insurance. This includes liability, collision and comprehensive coverage. For optimal protection, consider the following liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for off-road damage to your car in events like theft, vandalism or natural disasters. Collision coverage, on the other hand, takes care of damages from on-road collisions.

If you own a valuable car, it's wise to purchase comprehensive and collision insurance, even if it's not required by law. Choose your deductible for these coverages based on what you can afford before your insurance covers the remaining costs.

GEICO offers Connecticut drivers the cheapest full coverage at $79 and minimum coverage at $36. While low rates are tempting, remember that the most affordable isn't always the best for car insurance. Experts say buy as much coverage as you can afford for the safest driving.

MoneyGeek answers common questions about the cheapest car insurance in Connecticut. Our goal is to help you find affordable options that suit your needs.

MoneyGeek obtained Connecticut auto insurance rates from the Connecticut Department of Insurance and Quadrant Information Services. We examined 29,556 auto insurance quotes from nine providers across 47 ZIP codes to determine the most affordable car insurance companies in Connecticut.

Connecticut Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Connecticut:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model and military service where specified.

Standard Coverage Levels in Connecticut

We compared car insurance companies in Connecticut that offer both minimum and full coverage policies. The minimum coverage liability limits in Connecticut are:

• $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

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Connecticut

MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible