GEICO provides the cheapest minimum coverage for most low-income drivers in Connecticut, including high-risk drivers. For drivers with DUIs, the best rates are offered by State Farm.
Cheapest Low-Income Car Insurance in Connecticut
Updated: February 6, 2025
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Key Takeaways
Drivers with a lower income can find affordable rates in Connecticut, despite the lack of a state provided program for low-income car insurance.
The cheapest options for Connecticut's low-income drivers are GEICO, State Farm, Kemper and Allstate.
Low-income drivers can save on car insurance by comparing quotes from multiple providers, looking for discounts, and bundling policies together.
Cheapest Car Insurance Companies for Low-Income Drivers in Connecticut
| GEICO | Young Drivers | $47 |
| GEICO | Adults | $37 |
| GEICO | Seniors | $38 |
| GEICO | Drivers With a Speeding Ticket | $43 |
| State Farm | Drivers With a DUI | $81 |
| GEICO | Drivers With an Accident | $54 |
| GEICO | Bad Credit | $58 |
*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.
Compare Cheap Low-Income Car Insurance Providers
Use the table below to filter and find the most affordable provider for your driver profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Driving Record:Clean
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| GEICO | $37 | $448 |
| Kemper | $50 | $606 |
| Amica | $70 | $845 |
| State Farm | $72 | $862 |
| Nationwide | $77 | $925 |
Cheapest Car Insurance for Families With Low Income in Connecticut
GEICO offers the cheapest minimum coverage for low-income families in Connecticut. Adding your teen to your plan as a married couple will cost $54 monthly, while single parents adding a teen pay $156 on average. Adding a spouse to your plan without children will cost $34 monthly.
Data filtered by:Results filtered by:
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Family Type:Married Couple with Teen
| GEICO | $653 | $54 |
| Kemper | $955 | $80 |
| Nationwide | $1,052 | $88 |
| State Farm | $1,327 | $111 |
| Allstate | $1,402 | $117 |
| Progressive | $1,419 | $118 |
*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.
Tips to Save On Car Insurance for Low-Income Drivers
Check out these ways to save on your car insurance in Connecticut:
- 1
Choose minimum coverage
Selecting the state-required minimum coverage is usually the most affordable way to fulfill legal requirements. Keep in mind that if you're in an at-fault accident, repair costs can range from $500-$3,000 on average and minimum coverage won't cover them.
- 2
Compare quotes
For a thorough evaluation, use resources like provider sites, broker services, direct agents and online comparison platforms to compare quotes from multiple providers to get the best possible deal.
- 3
Look for discounts
Drivers can save on car insurance by using discounts offered by their provider. Common discounts include a safe driving discount and a discount for young drivers. Connecticut residents can also take a state defensive driving course to earn a discount that will vary based on provider but can get up to 10%.
- 4
Increase your deductible
Raising your deductible on collision or comprehensive coverage can decrease your monthly payments. Just ensure the higher cost is manageable should you need to file a claim.
- 5
Consider pay-per-mile insurance
If you do not drive often, considering pay-per-mile insurance can lead to strong savings. Pay-per-mile insurance charges a base rate with a per-mile fee saving occasional drivers money.
- 6
Bundle your policies
Drivers can cut costs by bundling home and auto insurance in Connecticut. Bundling discounts will vary based on provider, but we found that on average customers save over $300 annually by bundling their policies together.
- 7
Get a cheaper car
Your car’s make, model and year affect premiums as some vehicles cost more to repair than others. Getting a cheaper car to insure, like an older, reliable one, can help you lower premiums significantly.
Minimum Car Insurance Requirements in Connecticut
Drivers in Connecticut must meet these minimum car insurance requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
If you're leasing or financing a car, you'll need liability coverage of 100/300/100 and comprehensive and collision protection.
WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU
If you're at fault in an accident, minimum coverage only covers the other driver's expenses, not yours. Any damage done to your car and legal fees will have to be paid out of your pocket. Because of this, higher coverage can be better if you can afford it.
Cheap Low-Income Car Insurance in Connecticut: Bottom Line
GEICO offers the cheapest car insurance for most low-income drivers in Connecticut. High-risk drivers can find affordable options with GEICO for speeding tickets and accidents or with State Farm for DUIs. We recommend using these rates and comparing other providers to find the best rates for you.
Low-Income Auto Insurance in Connecticut: FAQ
Affordable car insurance can be hard to find for low-income drivers. Here are answers to common questions on saving money.
What is the cheapest car insurance for low-income drivers in Connecticut?
In Connecticut, GEICO offers the cheapest monthly rates: $37 for minimum coverage and $81 for full coverage. Minimum coverage is generally the most affordable insurance, but this may not apply if you have a financed or leased vehicle.
Does Connecticut have a state-supported low-income car insurance program?
Connecticut has no state-supported program to help low-income drivers obtain car insurance.
Does your income affect the cost of car insurance in Connecticut?
In Connecticut, insurers price car insurance based on risk, not income. Factors like driving history and vehicle model play a bigger role in determining costs.
How We Chose the Cheapest Car Insurance for Low-Income Drivers
Study Overview
MoneyGeek examined car insurance costs in Connecticut, using data from the state's Insurance Department and Quadrant Information Services.
Data Acquisition, Depth and Analysis
We analyzed 328,384 quotes from 14 companies in 370 ZIP codes. This helped us find the average cost of car insurance for low-income drivers in the state.
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Connecticut:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We also considered other factors, such as age, family status, driving history and credit score, to determine rates for specific driver profiles.
Our study uses age groups like seniors (60 and older), young drivers (22 to 29) and adults (30 to 59). For families, we looked at married couples with a child and single parents with a teen.
Coverage Levels and Deductibles
Our data includes rates for minimum coverage. This follows Connecticut's laws and offers affordable options for low-income drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.