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Best Car Insurance In Ct

Least Expensive Vehicles For Insurance In Connecticut

Best Car Insurance in Connecticut

In Connecticut, the Honda Pilot SE, Chevrolet Colorado and Ford Ranger Lariat are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.

The most expensive vehicles for insurance in Connecticut among the popular models are the Lexus ES 300H and the Tesla Model S Performance/Plaid .

Vehicle

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Best Cities For Cheap Car Insurance In Connecticut

There are a lot of different factors that affect the car insurance cost for each driver. The most important factor is the location state, city, and even the area where you live affect the cost of your insurance policy. Your car insurance company in Connecticut will check the conditions of the road, crime rate, and even the type of people that are living in your area. Based on that you will get the final quotation. Here is the list of all the major cities of Connecticut along with the average car insurance rates to help you understand the impact of location:

City

Who Has The Cheapest Car Insurance In Connecticut

State Farm, the cheapest car insurance provider in Connecticut, offers drivers in the state average monthly quotes of $123 for full-coverage insurance. Other affordable monthly quotes from top providers include $142 from Travelers and $154 from GEICO. Stillwater, a less widely known auto insurer, also provides a cheap quote of just $177 per month.

No auto insurer in Connecticut ranks as the cheapest insurer across all driver categories related to coverage levels, driver history, age, or credit history, but a few stand out more than others. The cheapest quotes for minimum and full-coverage insurance come from State Farm, and Travelers provides the cheapest average quotes for young drivers.

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Cheapest Car Insurance In Connecticut With A Speeding Ticket

Our licensed agents found GEICO offers the cheapest auto insurance rates for drivers in Connecticut with a speeding violation at $1,904 per year or a $158 monthly rate. GEICOs quote is 32% lower than the Connecticut average rates of $2,788 per year.

Insurer

Average rates increase by $401 per year after a moving violation in Connecticut. Insurance companies use traffic tickets to assess risk having one or more tickets on your driving record indicates you are riskier to the insurer than drivers with a clean driving history.

Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

According to the Connecticut Department of Motor Vehicles , if you receive six points for speeding, you will receive a warning letter and an insurance company rate increase by 15% until the traffic violation falls off your driving record in three years.

Do I Need Personal Injury Protection Coverage In Connecticut

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No, drivers in Connecticut do not need personal injury coverage, according to state guidelines. That said, drivers in the state do need to adhere to the states minimum coverage requirements for bodily injury and property damage liability to remain in compliance with state law.

Connecticut is an at-fault state, so the driver responsible for an accident is also financially responsible for the costs associated with it. For that reason, some may want to purchase medical payments coverage to help cover the medical costs of others in the event of an accident.

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Average Car Insurance Cost In Connecticut Compared To The National Average

How much is car insurance in Connecticut? It might surprise some to know that it’s well above the national average. Here’s a look at how Connecticut auto insurance rates stack up against the rest of the country for several common driver profiles.

Average Rate Category

All drivers should familiarize themselves with the following Connecticut car insurance laws:

Best Car Insurance In Connecticut For Young Drivers And Students

Inexperienced drivers pose unique risks on the road, and GEICO is our favorite insurer for these drivers. The best car insurance companies in Connecticut for young drivers and students are:

  • GEICO: MoneyGeek score of 91 out of 100
  • Allstate: MoneyGeek score of 79 out of 100

MoneyGeek analyzed rates for drivers in their late teens or early 20s, in high school or in college.

We ranked the best companies based on which ones offer the best rates for students and young drivers while also offering quality service. MoneyGeek also researched the insurers offering the cheapest car insurance in Connecticut for young drivers and students.

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Key Things To Know About Car Insurance In Connecticut

As youre shopping for Connecticut car insurance, it may be helpful to have some background knowledge. The state is small but relatively densely populated, with around 2.6 million licensed drivers in 2019, the most recent year with available data. Knowing some key car insurance facts may help you to make more informed decisions about your coverage.

Cheapest Full Coverage Car Insurance In Connecticut: State Farm

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The cheapest full-coverage auto insurer in Connecticut is State Farm, with an average annual rate 45% cheaper than the state average overall. Choosing State Farm instead of an average insurer in the state could save you $928 per year on car insurance.

Company

*USAA is only available to current and former military members and their families.

Full coverage policies include collision and comprehensive coverage which pay for repairs to your vehicle regardless of fault in addition to state-mandated auto insurance liability coverage. Although comprehensive and collision insurance drastically increase the cost of premiums, they are often worth it if your car is worth more than a few thousand dollars.

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Which Companies Offer The Cheapest Car Insurance In Connecticut

Our analysis of Connecticut car insurance quotes shows that State Farm offers the cheapest rates to drivers with clean records and those with certain prior incidents, as well as young drivers and seniors. Travelers offers the next-best rates for most drivers, while GEICOs rates for teen drivers are particularly competitive.

Best For Young Drivers

Young drivers pay a whopping $8,877 per year for Connecticut auto insurance, on average. This time, it’s Kemper that comes out on top with an average annual premium of just $2,982. This is based on the profile of an 18-year-old male driver with a clean record.

The following insurers also offer cheap car insurance quotes in Connecticut to teen drivers:

  • Geico, where teens pay about $3,114 per year on average
  • State Farm, where the typical 18-year-old driver pays about $4,202 per year

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Best Auto Insurance In Connecticut

When you prepare to buy car insurance in Connecticut, you may wonder what the best rates are for you. The rates can change because of factors such as your age, gender, driving history, and location. One of the best ways to find the insurance you need is to research insurance companies in your area and compare their insurance quotes. Keep reading to learn more about the best auto insurance in Connecticut.

Who Offers The Cheapest Car Insurance Rates For A Married Couple In Connecticut

Best Auto Insurance In Ct: Auto Insurance Industry

GEICO’s average car insurance rates of $1,678 slightly edges Allstate’s $1,692 for the cheapest average premiums for married couples in Connecticut. This doesn’t necessarily account for bundling and other discounts some married couples take advantage of. It does describe an ‘average’ married couple in their 30s driving midrange cars with minimal accidents or tickets.

Company
State Farm Insurance Company $2,041

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.

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Cheapest Car Insurance For Military Families

If you’re an active member of the military or a veteran or have an immediate family member who is chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest three auto insurance options for 43 of the 48 driver profiles we examined.

Cost Of Connecticut Car Insurance By City

Where you live in Connecticut has a significant impact on your insurance rates. Different ZIP codes and cities have different risk factors, so insurance companies adjust their rates accordingly. Thats why someone living in Stratford may pay entirely different rates than their friend in New Haven even if all other factors are the same.

The following table shows the average rates for the 25 most populated cities and towns in Connecticut.

City in Connecticut

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How Much Car Insurance Coverage Do I Need In Connecticut

Connecticut drivers are required to have $25,000 per person and $50,000 per accident in bodily injury liability auto insurance coverage, as well as $25,000 in property liability coverage. They also need to have $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage to drive legally.

Connecticut Car Insurance Rates By Minimum Coverage

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Before driving on a Connecticut road or registering a car, you must buy a specific amount of car insurance. Every states minimum coverage requirements vary, and Connecticuts requirements are as follows:

  • Bodily injury $25,000 per person
  • Bodily injury $50,000 per accident
  • Property damage $25,000 per accident
  • Uninsured/underinsured motorist bodily injury $25,000 per person
  • Uninsured/underinsured motorist bodily injury $50,000 per accident

Buying insurance to meet Connecticuts minimum requirements is your cheapest option for coverage. The average price for minimum insurance in Connecticut is around $900, but rates vary by company.

Top Auto Insurance Companies Average Monthly Minimum Coverage Rates

Insurance Company

When it comes to minimum auto insurance coverage in Connecticut, USAA and Geico offer far cheaper rates than competitors. However, USAA has strict eligibility requirements only active or retired military or their family qualify for coverage.

While minimum coverage is your cheapest option, it comes with a risk. Your car wont have any protection, meaning youll have to pay for repairs out of pocket if you get in an accident.

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Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.coms data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only your own quotes will differ. Given this, its important to go through our insurance steps form to find how much you can save with way.com

Cheap Connecticut Car Insurance For Adding A Teen Driver

Adding a teen to your policy hikes your rate because insurance companies view inexperienced drivers as a high risk. In Connecticut, the average auto rate increases by 138% when parents add a teen to a policy.

Geico provides the best rates for parents who add teens to their policy, among those we analyzed, but even Geico nearly doubles average premiums. Ways to offset the increase include ensuring that youre getting all of the discounts for which youre eligible and seeing how much you would save by increasing your deductible.

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See What You Can Save On Car Insurance

Enter your information to see how much you can save on auto insurance.

  • $20,000 bodily injury per person per accident
  • $50,000 bodily injury for all persons per accident
  • $25,000 property damage liability
  • $25,000/$50,000 uninsured/underinsured motorist

While minimum coverage will allow you to legally drive in the state, full coverage is suggested which runs an average of $ 1605 per year.

Cheap Car Insurance For Speeding Drivers In Connecticut

Connecticut Car Insurance Information

Every year thousands of people die in our country because of speeding vehicles. In the year 2019 itself, over nine thousand people died in road accidents because of speedy vehicles. Drivers with speeding tickets are potentially risky for everyone. Insurance companies consider drivers with too many speeding tickets as risky and hence they get higher insurance rates. We have curated a list of all the best car insurance companies in Connecticut that provides affordable policies to the drivers of this category:

Insurance Company

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Car Insurance Discounts In Connecticut

Most companies offer car insurance discounts that you may use to save money on your premium. Fortunately for Connecticut drivers, many discounts are stackable and could be applied to your policy to reduce your costs. Some of the most common options may include:

  • Young driver discounts: If you insure a full-time student under 25, you might save money with good student discounts, teen safe driving programs or distant student discounts.
  • Safe driver discounts: Avoiding at-fault accidents and tickets could help you avoid policy surcharges and may make you eligible for a safe driving discount. Additionally, safe drivers may want to participate in telematics programs, which track driving habits and potentially assign a personalized discount based on the data received.
  • Other discounts: Bundling insurance policies, like your home and auto insurance, may be one of the biggest discount opportunities. Some providers may offer additional discounts for vehicles equipped with safety and security equipment, like anti-lock brakes and anti-theft systems. Others may extend a discount to federal employees, military members or people affiliated with certain companies or organizations.

Discounts will vary among providers and can usually be found on a providers website. Actual savings and eligibility may have to be discussed with an insurance agent.

Do You Need More Than The Minimum Car Insurance In Connecticut

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Which Cities In Connecticut Have The Cheapest Car Insurance

Connecticut is a quintessential New England state, from small country towns to beautiful coastal cities. When looking for cheap car insurance in Connecticut, your location plays a crucial role in your rates.

Consider the average price in Connecticuts largest cities to get an idea of how important your ZIP code is in your rates. Although rates vary, a general rule of thumb is that bigger cities have higher insurance rates.

For example, finding cheap car insurance in Bridgeport is more challenging than in a smaller town like Willington.

However, size isnt the only factor. While Bridgeport has the largest population in Connecticut, auto insurance in Hartford, CT, tends to be the most expensive. Compare Bridgeport auto insurance rates.

Cheapest Car Insurance For Connecticut Drivers With A Dui

Low Cost Auto Insurance in CT

Connecticut drivers with a DUI can get the cheapest full-coverage car insurance from State Farm, $136 a month, which is considerably lower than the next-best rate, $240 a month from Travelers.

The average cost of full-coverage car insurance for a Connecticut driver with a DUI is $509 a month. This is more than double the rate available to a driver with a clean record.

Cheapest car insurance for drivers with a DUI

Company
$3,703 $309
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

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The Average Cost Of Car Insurance In Connecticut

The cost of car insurance in Connecticut is higher than the national average, potentially because of the congested roads and a high number of luxury vehicles. According to 2021 data from Bankrate.com, the average cost of full coverage is $1,845 per year, and the average cost of minimum coverage is $794. To compare, the national average is $1,674 per year for full coverage and $565 per year for minimum coverage.

The price of car insurance can vary widely depending on a few factors. First, prices can be very different between insurance companies. Additionally, factors such as your driving history, the type of vehicle you drive, and the coverage types and levels you choose will also affect your rates. One of the best ways to find the right coverage at the right price is to shop around and compare quotes.

How Bankrate Chose The Best Car Insurance Companies In Connecticut

Bankrate selected the best five auto insurance companies in Connecticut based on their affordability, availability, consumer ratings, financial strength ratings and price. While rates are an important aspect in choosing a car insurance company, you’re also likely loooking for a provider that offers the customer care you deserve and the financial ability to meet its claims responsibilities.

  • Methodology

    Caret Down

    Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each states requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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