Best Auto Insurance in Connecticut in 2025

State Farm has some of the most affordable auto insurance rates in Connecticut in all driver categories but one (drivers with poor credit). This includes the second-lowest average rate for teen drivers, a notoriously expensive group to insure (only after USAA, whose availability is limited to the military community). We found State Farm’s roadside assistance coverage and Steer Clear program to be huge benefits to households with young drivers, as well as those on a policy independent from their parents.

Auto Insurance Options for Teenage Drivers

In Connecticut, 16-year-olds can get their learner’s permit by passing a written and vision test. Once you’ve held your permit for a specific amount of time and passed an eight-hour Drug and Alcohol Safety Program (D.A.S.P.) — or received additional behind-the-wheel driver training — you can take your road test and receive your license.⁴ 

Insurance companies consider young drivers risky to insure because they are inexperienced and have no driving history, so it’s generally recommended to go on your parents’ insurance policy so you can benefit from their driving history, credit score, etc. In some cases, like when you own a vehicle solely in your name (i.e., your parents’ names are not listed on the paperwork), you must get an independent auto insurance policy.

State Farm is ranked our best auto insurance for teens on an independent policy because it offers competitive rates and discounts, especially if you’re a student with good grades. Teen drivers with a GPA of 3.0 or higher can save up to 25 percent on auto insurance until they turn 25. Homeschooled students also qualify if they rank within the top 20 percent on certain national standardized tests.

Safety Discounts

State Farm offers savings for good driving habits via two telematics programs, including one specifically designed for teen drivers:

• Steer Clear: This offers a 15 percent discount to drivers under age 25 who complete the program, as long as they have no at-fault accidents or moving violations in the past three years.
• Drive Safe & Save: This driving behavior monitoring app can be used by any driver who enrolls; it offers up to a 30 percent discount for safe driving habits.

Roadside Assistance

State Farm’s roadside assistance, or emergency road service coverage, pays for common expenses to get your vehicle back in service after an incident or breakdown. Statistically, teen drivers are more likely to get into an accident, so it’s useful coverage for a policy for an inexperienced driver. Roadside assistance covers the following in the event of an emergency resulting in your vehicle breaking down:

• Mechanical labor at the breakdown site (up to one hour)
• Towing to the nearest repair location if the covered vehicle is not drivable
• Towing if the covered car is stuck on or next to a public road
• Delivery of gas, oil, battery, or spare tire (excluding the cost of items)
• Locksmith labor to unlock a covered car if its key is lost, stolen, or locked inside (up to one hour)

GEICO provides robust digital tools and plenty of discounts to aid customers. We found that GEICO offered the cheapest rates for car insurance in Connecticut, on average, for both full coverage and minimum coverage. It also has some of the cheapest rates for teen drivers, as well as drivers with a speeding ticket, accident, or low credit.

DriveEasy

Most major insurance companies, including GEICO, offer telematics programs, which save you money based on your driving habits. GEICO’s program is called DriveEasy and tracks your driving behavior using the GEICO mobile app.

After you complete the initial setup, just stay logged in to the app, and your driving data will be automatically recorded (no need to open the app every time you drive).

Cheap Rates for Every Driver

Our analysis revealed that GEICO offers the cheapest rates on average for full coverage and minimum coverage auto insurance in Connecticut, as well as for drivers with poor credit. Of course, how much you pay is based on your specific circumstances.

Bundling Discount

Another way to save money on your auto insurance premium if it’s higher than average due to your credit score is to bundle multiple policies or vehicles through GEICO. Customers with home, condo, or renters insurance policies can take advantage of GEICO’s multi-policy discount. You also get a discount if you insure multiple cars or trucks through GEICO.

Progressive tends to have affordable rates for drivers with DUIs on their record, and this holds true in Connecticut. In fact, it offers the cheapest rates for this category at $2,721 per year on average, which is 39 percent below the state average rate with a DUI. It also offers various discount opportunities to help high-risk drivers save even more on their premiums.

Snapshot

In Connecticut, having a DUI on your record can double your rates. In addition to offering the cheapest rates for drivers in this situation, Progressive has a telematics discount program called Snapshot that can help drivers lower their premiums further. 

This can be a great opportunity to get a potentially significant discount on your policy, especially if you’re already paying higher average rates, but keep in mind that the discount will only be applied if you drive safely. Having this as an incentive can also help you practice better driving habits after a DUI.

Discounts for High-Risk Drivers

If your DUI happened a while ago and you’ve proven yourself to be a safe driver, Progressive offers several discounts that can help you reduce the burden of your high-risk auto insurance premium:

• Disappearing deductible: Progressive will reduce your collision or comprehensive deductible by $50 for every six-month period without a violation or claim.
• Safe driving bonus: Progressive provides savings to drivers who have had no tickets or accidents in the past three years.

Accident Forgiveness

Causing an accident is another serious incident that will often increase your insurance costs by 50 percent or more. If you’re already designated high risk, Progressive’s accident forgiveness coverage can help you avoid further increases to your premium. If you purchase this coverage,  one eligible accident will be forgiven per policy period. It’s important to understand that even if you purchase this coverage, Progressive is entitled to drop your policy if it considers you a reckless driver.

Amica is headquartered in Rhode Island and operates mostly in the Northeast, but it writes insurance policies in most states. It’s a mutual insurer, which means policyholders own the company and invest in it when they pay for a policy. It ranks consistently highly for customer service, and while it’s not the cheapest provider, it may be worth it for those willing to pay a bit more for exceptional service.

Stellar Customer Service

Amica has excellent customer service ratings across the board, making it an ideal choice for drivers who prioritize a good customer experience. Not only does it rank first in J.D. Power’s  2024 U.S. Auto Insurance Study in the New England region, but it also earned the second spot nationally in J.D. Power’s 2024 Auto Claims Satisfaction Study

Additionally, it has a B+ rating from the CRASH Network 2025 Insurer Report Card, ranking 13th out of 97 insurers and landing it on the Honor Roll. When it comes to the NAIC Complaint Index, which tracks the number of complaints about insurance companies, Amica also does relatively well. It has a complaint index of 1.3 as of 2024⁵, which means it receives 1.3 times as many complaints as expected in the market, but it only has 66 complaints — State Farm, by comparison, has 2,517 complaints for 2024

Discount Opportunities

While Amica has relatively expensive rates compared to other providers in Connecticut, it offers many discounts to help policyholders save money on premiums

Here are some of the many discounts offered by Amica

• Loyalty discount: Get a discount if you’ve had a policy with the same insurer (even other than Amica) for two or more years
• Bundling: You can save up to 30 percent if you combine your auto policy with another insurance type, such as home, umbrella, and life insurance policies
• Homeownership: Get a discount just for owning a home, even if you don’t insure it with Amica
• Multi-car: Amica offers a discount of up to 25 percent when you insure two or more vehicles on your policy
• Young driver training: Drivers under 21 who complete an accredited driver training program can get a discount
• Legacy discount: Drivers under 30 can save money with Amica if their parents have had an auto policy with Amica for at least five years
• Safe driving: If you sign up for Amica’s telematics program, StreetSmart, which tracks your driving, you may receive a discount on your premium if you display safe driving habits

Dividend Option

As a mutual insurer that’s owned by its policyholders, Amica offers two types of auto policies: dividend and traditional (non-dividend). With a dividend policy, you have the potential to receive a dividend payout, though the upfront cost may be higher. Dividends can range from five to 20 percent of your annual premium if certain conditions are met.

You can choose how to receive your dividend payments, either via a check in the mail or by putting them towards your future premium. Dividend payments are never guaranteed, and they are not available in all states. Be sure to check with a representative if you’re interested in this policy type

Allstate is a well-regarded large-scale auto insurance provider in the United States, and it ranks above average for customer service in the New England region in J.D. Power’s 2024 study. It’s a particularly good option for low-mileage drivers thanks to its Milewise program, and it also offers a variety of add-on coverages to accommodate different driver needs.

Milewise

Allstate offers a pay-per-mile plan that can save drivers with low annual mileage money. Allstate’s Milewise program charges you a daily and per-mile rate at each payment period. It’s a good option if you drive under 10,000 miles annually. Note that Allstate no longer advertises the states in which Milewise is available on its website, so if you’re interested in Milewie you’ll need to get a quote (by phone) to confirm it’s available in Connecticut.

Your rates are set based on factors like your driving record and location, just like a traditional policy. So, for example, your fixed daily rate might be $6, and your per-mile rate might be $0.35. The way it works is you make an initial payment, and then your daily rate and per-mile rate are deducted from your balance each day based on how much you drive. When your balance hits a certain threshold, you’ll be charged again to replenish your balance.

For example, using the rates above, let’s say you drive 50 miles on Monday and 30 miles on Tuesday. Your rate would be $23.50 for Monday ($0.35 x 50 + $6) and $16.50 for Tuesday ($0.35 x 30 + $6). Depending on the quotes you receive and your estimated mileage, Milewise may not be cheaper than a standard policy, so be sure to crunch the numbers carefully before deciding. 

Add-on Coverages

Allstate offers a variety of optional coverages that you can choose from to tailor your policy to your needs. In addition to the standard liability coverages and full coverage (which includes comprehensive and collision), here are the coverage options Allstate provides:

• Classic car: Classic or antique cars typically require specialized insurance coverage because unlike regular cars they tend to hold their value over time. If you have a classic car, Allstate offers this coverage, so you can insure all of your vehicles with the same insurer.
• Umbrella: An umbrella policy includes liability limits beyond your auto policy’s liability underlying limits.
• Roadside assistance: This coverage pays for emergency help if you’re stuck on the road, including tire changes or gas delivery.
• Rental reimbursement: This coverage helps pay for a rental car up to a certain amount per day if your insured vehicle is in the shop due to a covered incident.
• Mexico tourist auto insurance: This add-on provides auto insurance coverage separate from your domestic policy if you travel to Mexico in your covered vehicle.

Drivewise

Allstate offers a usage-based telematics discount program called Drivewise, which can help you save money if you’re a good driver. Drivewise uses the Allstate app to track your driving habits, including speed, hard braking, and night driving. 

Allstate no longer advertises discount amounts for Drivewise, but it has previously stated that you can save up to 10 percent for signing up and up to 40 percent at your next policy renewal, depending on your driving habits. It’s worth checking with an Allstate agent in your state to confirm the potential discount if you’re interested.

Be aware that depending on your state, Allstate Driveway may cause your rates to increase if it detects unsafe driving habits.