Cheapest Car Insurance in Connecticut (October 2024)

GEICO is the overall cheapest car insurance company for nearly all types of drivers in Connecticut. For drivers with a DUI, Progressive is the most affordable.

MoneyGeek compared the best car insurance companies in Connecticut for drivers who seek a balance of affordability and service quality.

The cheapest car insurance companies in Connecticut for a minimum coverage policy are:

• GEICO: $435 per year
• Kemper: $606 per year

Hanover offers the most expensive minimum coverage car insurance in Connecticut, at an average of $2,292 per year.

Connecticut’s minimum car insurance requirements include bodily injury liability, property damage liability and uninsured/underinsured motorist coverage.

Minimum coverage car insurance typically pays for the cost of damage or injuries you cause to others in an accident. It doesn’t cover damage to your vehicle. If you want additional protection, consider getting a full coverage policy that includes comprehensive and collision insurance.

In Connecticut, the cheapest policies with full coverage are from:

• GEICO: $948 per year
• Kemper: $1,156 per year

Hanover offers the most expensive full coverage car insurance in the state, at $4,571 annually.

Your premium can significantly increase when you add comprehensive and collision insurance to your policy. For instance, GEICO’s full coverage car insurance costs $513 more than its minimum coverage policy.

Getting full coverage car insurance is ideal if you want more financial protection in case of an accident. It covers the cost of damage due to on-road and off-road incidents.

The coverage amount you need will affect your rates. Our sample full coverage policy includes liability insurance with the following limits:

• $100,000 bodily injury for each person
• $300,000 bodily injury for each accident
• $100,000 property damage per accident

If you're on a budget, you can adjust your liability limits or drop comprehensive and collision insurance. You may also raise your deductible for comprehensive, collision or both. However, you may end up with insufficient coverage.

Many car insurance companies provide quotes online, but the process can take up to 15 minutes and requires submitting personal information. Furthermore, comparing rates across multiple insurers will require you to complete this process many times.

Our car insurance calculator can generate a quick estimate without requiring a substantial amount of personal information. This can help you determine a launching point as you search for the cheapest car insurance for your particular situation.

The policyholder's age largely affects car insurance rates. In Connecticut, GEICO offers the lowest prices for various age groups.

The cheapest car insurance providers for teens on their parent's policy in Connecticut are:

• GEICO: $1,104 per year for female teens and $1,581 per year for male teens
• Nationwide: $1,699 per year for female teens; Kemper: $1,790 per year for male teens

These rates apply to a 16-year-old on a parent's policy. Progressive charges the most for male teens, around $3,045 annually, while Allstate has the highest rate for female teens, about $2,914 per year.

Teen insurance rates decrease with age. GEICO offers the lowest rate for 19-year-old males in Connecticut at $1,356 per year.

Adding a teen to your policy is generally cheaper than buying separate insurance. For example, a 16-year-old male in Connecticut might pay about $6,862 per year for an individual policy compared to $2,361 per year on a parent's policy, saving $4,501. Teens under 18 need a parent or guardian’s permission to get insurance.

Families looking to save on car insurance in Connecticut may earn discounts for young drivers. GEICO and Nationwide offer discounts for students with good grades. Progressive, State Farm and Allstate have discounts for both students away from home and those with strong academic performance.

The cheapest car insurance companies in Connecticut for drivers in their 20s are:

• GEICO: $1,209 per year
• Kemper: $1,356 per year

Hanover offers the most expensive car insurance for young adult drivers, at roughly $6,778 per year.

In Connecticut, 25-year-old drivers tend to pay around $496 more for insurance coverage than their middle-aged counterparts.

In Connecticut, these companies provide the cheapest car insurance for seniors:

• GEICO: $931 per year
• Kemper: $1,205 per year

At around $5,298 per year, Hanover has the least affordable policy for senior drivers.

Connecticut drivers in their 60s typically pay $46 more for car insurance than middle-aged drivers. That said, rates often increase as drivers reach their 70s and 80s.

Senior drivers can get discounts from Allstate and GEICO to lower their insurance costs. Since age is only one factor in setting rates, comparing providers is the best way to find affordable car insurance.

GEICO offers the lowest insurance rates in Connecticut for drivers with a speeding ticket or an at-fault accident, while Progressive is the cheapest for drivers with a DUI. GEICO is also the most affordable option for those with poor credit or who drive a sports car.

The cheapest insurers for Connecticut drivers with speeding tickets are:

• GEICO: $1,099 per year
• Nationwide: $1,540 per year

Hanover charges the most for drivers with tickets at an average annual rate of $5,966. In Connecticut, expect to pay around $348 more for car insurance after getting a speeding ticket.

The following companies offer the lowest average car insurance rates for drivers in Connecticut with an at-fault accident:

• GEICO: $1,374 per year
• State Farm: $1,598 per year

Hanover has the most expensive car insurance for drivers with an at-fault accident, at roughly $7,642 annually. In Connecticut, expect your car insurance premium to increase by around $922 after an at-fault accident.

For drivers with a DUI on their record, the cheapest car insurance companies in Connecticut are:

• Progressive: $1,582 per year
• State Farm: $1,598 per year

Hanover is the most expensive insurance provider, averaging $26,690 per year. Getting a DUI on your driving record can increase your premium by up to $3,932 in Connecticut.

In Connecticut, drivers with poor credit may find these most affordable car insurance options:

• GEICO: $1,472 per year
• Kemper: $1,678 per year

Hanover is the most expensive for those with credit scores below 580, charging $483,263 per year.

Credit scores significantly affect insurance rates. On average, Connecticut drivers with good credit (above 750) pay $60,630 annually. Comparing rates is crucial if your credit score is lower to find the best premiums.

Car insurance companies found that a lower credit score typically indicates an increased likelihood of filing claims, so they charge higher premiums. Connecticut is among the states that allow insurers to use credit history when calculating rates.

Reduce your premium by improving your credit score and finding insurers that offer low rates and common discounts.

If you drive a sports car, your cheapest options for car insurance in Connecticut are:

• GEICO: $1,149 per year
• Kemper: $1,193 per year

At roughly $1,770 per year, Nationwide is the most expensive car insurance provider.

Although sports cars generally require higher replacement and repair costs, insuring them isn't always more expensive than a standard vehicle. For example, Connecticut drivers with a sports car pay around $296 less than those who drive a Toyota Camry.

Our analysis used a Ford Mustang as a sample sports car for the quotes above, but insurance rates can differ based on the model. Luxury, electric and sports cars are usually more expensive to insure than other vehicle types.

USAA is Connecticut's cheapest car insurance company for active-duty military members and veterans, with an average annual premium of $926. This company exclusively offers affordable rates, unique coverage benefits and discounts to those with a military background.

Car insurance costs in Connecticut vary widely based on factors such as location. Due to increased claim risks, higher rates may apply if you live in an area with more theft, vandalism or accidents.

Stamford has the cheapest car insurance in Connecticut, with GEICO offering rates of around $965 per year. New Haven follows, where GEICO also provides affordable coverage at about $1,308 per year.

The most expensive city for car insurance in Connecticut is Bridgeport, where a full coverage policy from GEICO averages $1,386 per year.

Check our list of Connecticut cities to see how car insurance rates differ by location.

Most states require bodily injury liability and property damage liability coverage. Beyond that, Connecticut requires uninsured/underinsured motorist coverage.

In Connecticut, you only have to meet the minimum requirements for bodily injury liability, property damage liability and uninsured/underinsured motorist coverage. Although buying a policy with minimum coverage is ideal if you’re on a budget, it may not offer adequate protection in case of an accident.

Connecticut also requires drivers to carry SR-22 insurance for driving without insurance, under the influence, with a suspended license or reckless driving.

For broader protection, we recommend increasing bodily injury liability coverage to $100,000 per person and $300,000 per accident and property damage coverage to $100,000. You might need to purchase comprehensive and collision insurance if you financed your car purchase or lease a vehicle.

Comprehensive insurance helps pay for the repairs if your vehicle sustains damage due to severe weather hazards, theft, vandalism, fire and striking an animal, such as a deer. Collision insurance covers your car if it gets damaged after colliding with another vehicle or an object, such as a tree, fence or light pole. Collision also covers rollover accidents and pothole damage.

Although optional, comprehensive and collision insurance could be worth it if you have a valuable car.

Connecticut drivers who choose not to purchase auto insurance from a provider may self-insure. You'll be responsible for protecting your vehicle. This includes covering the cost of medical treatments or repairs to damaged vehicles in case of an accident.

In addition, if you don’t own a car but need car insurance, you can opt for non-owner car insurance options in the state.

When looking for car insurance, you might have questions about cost and service quality. We answered common questions to help you understand auto insurance in Connecticut.