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Connecticut drivers pay an average of $1,326.09 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $110.51 per month. Connecticut drivers pay about 11% more than the countrywide national average of $1,189.64.
The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.
In at-fault states, the driver who caused the accident pays for damages.
Drivers in Connecticut are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/25, but we’ll break down what that means.
Connecticut requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.
This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.
Connecticut requires drivers to carry $25,000 of property damage liability to legally drive. This is the highest required property damage limit across the US, with 18 other states requiring this amount.
This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.
Connecticut requires all drivers to carry $25,000 of uninsured motorist bodily injury per person and $50,000 uninsured motorist bodily injury per accident to legally drive. Near half of the states across the US require some sort of uninsured motorist coverage, though some other states let you opt-out.
This coverage protects you if you get hit by an uninsured or underinsured driver. It pays for medical bills for you and your passengers.
These state-mandated requirements are the lowest amount of coverage you need to legally drive in Connecticut, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.
Connecticut is an at-fault state, which means that the driver responsible pays for the accident damage. Your insurance company and legal authorities will determine who’s at fault, based on the details.
However, Connecticut also factors in whether drivers are partially at fault under a law called modified comparative fault, according to the legal website Nolo. Under this law, both drivers are assigned a percentage of fault. Those with less than 50% of fault can get reimbursed for their damages by other drivers.
For example, if you’re 80% responsible for an accident, your insurance will pay 80% of the other driver’s damages. However, since you’re over 50% at fault, the other driver isn’t required to pay for your damages.
Drivers under age 25 should get a quote from Allstate since it lays out the cheapest prices by far. You can even opt into its rewards and safe driving programs to lower your costs further.
However, Geico comes in as the cheapest for most other ages in this sample.
| Age | Allstate | Progressive | Geico | USAA |
|---|---|---|---|---|
| 16-24 | $187.41 | $279.81 | $240.14 | $204.34 |
| 25-34 | $188.74 | $188.67 | $167.21 | $158.76 |
| 35-44 | $199.42 | $172.32 | $148.54 | – |
| 45-54 | $251.74 | $130.79 | $147.90 | – |
Rates between genders stick fairly close togerh in Connecticut. We found USAA to offer the most competitive rates in this sample, followed closely by Geico.
| Company | Allstate | Progressive | Geico | USAA |
|---|---|---|---|---|
| Men | $187.45 | $188.84 | $172.30 | $176.61 |
| Women | $210.13 | $199.55 | $177.15 | $168.64 |
USAA and Geico stand neck-and-neck in offering lower rates than other major brands. Choosing one of these may come down to whether you qualify, your customized quote and the features you’re looking for in a policy.
| Company | Allstate | Progressive | Geico | USAA |
|---|---|---|---|---|
| Rate | $200.41 | $194.55 | $174.84 | $173.95 |
Whether you’re looking for standard car insurance, local service or a policy that sets rates based on how you drive, there’s a bit of everything in Connecticut.
We recommend starting with these companies they offer wellrounded coverage, high discounts and extra features like local agents or app experience. They also have solid ratings from the Better Business Bureau, J.D. Power, Trustpilot and the National Association of Insurance Commissioners, compared to other companies on the market.
Progressive
Finder score
| Telematics | Snapshot |
|---|---|
| Gap insurance | Loan/lease coverage |
| Telematics | Snapshot |
|---|---|
| Gap insurance | Loan/lease coverage |
Allstate
Finder score
You can also earn further rewards toward gift cards and merchandise through Allstate's rewards program. Download the app to see how your driving is scored before you become an Allstate customer.
| Telematics | Drivewise |
|---|---|
| Gap insurance | Yes |
| Telematics | Drivewise |
|---|---|
| Gap insurance | Yes |
Geico
Finder score
Geico also stands out for its online experience. Its app is backed by hundreds of thousands of high customer ratings. It lets you do everything from getting a quote to uploading a photo of your car's damage to staying on top of maintenance. With a few local agents in major Connecticut cities, those who like self-service will enjoy Geico the most.
| Telematics | DriveEasy |
|---|---|
| Gap insurance | No |
| Telematics | DriveEasy |
|---|---|
| Gap insurance | No |
Hanover
Finder score
| Telematics | SmartPath for teen drivers |
|---|---|
| Gap insurance | Yes |
| Telematics | SmartPath for teen drivers |
|---|---|
| Gap insurance | Yes |
Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down Connecticuter’s rating factors to keep in mind.
| Factor | How it affects your rates |
|---|---|
 Age | How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least. |
 Gender | Connecticut takes gender into account when determining your rates. Our analysis of Quadrant data found that men under 18 pay 17% more for car insurance compared to women of the same age. But, between 31 and 45, women see rates 5% higher than men. After 45, rates differ between men and women by only 1%, with women on the higher end. |
 Location | Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates. Connecticut vehicle theft rates stand at 236.8 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s slightly below the national average of 246 vehicle thefts per 100,000 inhabitants. As for uninsured drivers, 6.3% of Rhode Islanders on the road are uninsured. That’s on the lower end for the percentage of uninsured drivers in a state according to Insurance Information Institute, with the national average standing at 12.6%. |
 Vehicle and mileage | Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure. Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums. And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Connecticuters drive an average of 29.5 miles per day, that’s below the average across the US of 36.1 miles per day. |
 Credit score | Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates. Connecticut drivers have protections under state laws that regulate the use of credit history when issuing car insurance policies. Connecticut law requires insurers to file their scoring system with the insurance department and notify drivers if their rate is adversely affected by credit score. |
 Coverage | The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums. |
 Driving Record | The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in Connecticut can increase your rate by around 100%, that’s on the higher end compared to other states. These types of violations typically stay on your record for about three years. |
Filing an SR-22 is typically required after multiple incidents, reckless driving, or being charged with a DUI. If you need to complete an SR-22 form, your state’s DMV will notify you. The form proves that you’re meeting your state’s minimum liability insurance requirements, and it’s required if you want to continue driving. Learn more about SR-22 car insurance in Connecticut.
Your car insurance should offer enough coverage to help you financially recover after an accident. While your state requires a minimum level of coverage, in most cases it won’t be enough to keep you from out-of-pocket costs. Though Connecticut drivers see less vehicle theft and drive less than average across the states, experiencing an accident or weather damage without the additional coverage can leave you responsible for steep bills.
Connecticut requires 25/50/25 for liability coverage, which is common among many states. However, this is a low amount of protection if you end up paying someone else’s medical bills and property damage. You need higher protection in most cases, especially if another driver takes you to court. Talk with your insurance agent to weigh how much out-of-pocket costs your budget can afford after an accident. You’ll want to set liability limits that balance your monthly budget and offer the coverage you need to protect your assets.
For accidents where you’re at fault, your collision coverage pays for your own car’s damage — if you buy this optional coverage. Otherwise, repairs to your own vehicle could cost you out of pocket.
Remember that your required liability coverage doesn’t pay for your car damage. Instead, it pays for damage to someone else’s property.
Consider collision coverage if . . .
Connecticut sees a lower than average number of vehicle thefts compared to other states. Though depending on the theft rates surrounding the type of car you drive, you may still be at risk for car theft. Adding comprehensive coverage to your policy means you’re covered for the outright theft of your vehicle, plus any damages that might occur during a break-in.
The possibility of coastal storms or “northeasters” also makes this coverage more appealing for Connecticut drivers, since the coverage can kick in to cover damages from harsh weather, falling tree branches or animals.
Consider this coverage if . . .
Though Connecticuters tend to drive less than the average miles per day, adding on roadside assistance offers the peace of mind that if you’re stuck on the side of the road you’ll have access to dependable help. This coverage gives you a dedicated customer service number to call if your car breaks down, with features like tire changes, towing or fuel delivery.
Consider this coverage if . . .
We’ve pulled the top 10 companies by market share that offer coverage in Connecticut according to S&P Global. Compare top companies by three major rating agencies along with our overall score.
| Provider | BBB Rating | JD Power Rating | NAIC complaint ratio | National market share % | Finder score | Go to site |
|---|---|---|---|---|---|---|
State Farm | A+ | 847/1000 | 1.93 | 16.2 | ★★★★★ 4/5 | |
Geico | A+ | 832/1000 | 1.42 | 13.6 | ★★★★★ 4/5 | |
Progressive | A+ | 830/1000 | 1.05 | 13.3 | ★★★★★ 4/5 | Get Quotes |
Allstate | A+ | 827/1000 | 2.71 | 10.4 | ★★★★★ 4/5 | |
USAA | A+ | 884/1000 | 1.9 | 6.3 | ★★★★★ 4/5 | |
Farmers | A- | 820/1000 | 1.64 | 4.9 | ★★★★★ 4/5 | |
Liberty Mutual | A+ | 827/1000 | 2.2 | 4.7 | ★★★★★ 4/5 | Get Quotes |
Nationwide | A+ | 814/1000 | 2.08 | 2.3 | ★★★★★ 4/5 | |
Travelers | A+ | 820/1000 | 3.28 | 2 | ★★★★★ 4/5 | |
Kemper | A+ | 784/1000 | 6.42 | 1.5 | ★★★★★ 3/5 |
| Company | Average annual rate | Learn more |
|---|---|---|
| Electric | $905 | |
| State Farm | $1,109 | |
| Allstate | $1,244 | Read review |
| Geico | $1,703 | Read review |
| USAA | $1,717 | Read review |
| Travelers | $2,152 | |
| Amica | $2,408 | |
| MetLife | $3,201 | |
| Liberty Mutual | $3,353 | Get a quote |
| Safeco | $5,386 |
Of Connecticut’s largest cities, Middletown has the cheapest rates and West Haven has the most expensive car insurance rates. West Haven drivers could face rates 5 times more than Middletown drivers.
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1213 |
| Metromile | $2330 |
| Geico | $1239 |
| State Farm | $787 |
| USAA | $1279 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1197 |
| Metromile | $2428 |
| Geico | $1154 |
| State Farm | $867 |
| USAA | $1428 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1446 |
| Metromile | $3060 |
| Geico | $1459 |
| State Farm | $1054 |
| USAA | $1681 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1343 |
| Metromile | $2328 |
| Geico | $1114 |
| State Farm | $819 |
| USAA | $1435 |
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1213 |
| Metromile | $2368 |
| Geico | $1115 |
| State Farm | $678 |
| USAA | $1224 |
Connecticut is one state where you don’t want to take the risk of driving without car insurance. You’ll need to purchase both liability insurance and uninsured/underinsured motorist coverage to remain legal under state laws or face a suite of stiff penalties that include fines, suspensions and even a stint in jail.
To get the cheapest coverage for your needs, carefully research your car insurance options when driving in Connecticut.
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