Compare Cheap Auto Insurance in Connecticut

For military-affiliated drivers, USAA offers the most affordable full coverage insurance in Connecticut, with an average annual premium of $1,577, 35 percent lower than the state average. GEICO ($1,622 annually) and Nationwide ($1,938 annually) also offer cheaper-than-average rates.

For those seeking only minimum coverage, GEICO offers the lowest average rate at $694 per year, 43 percent cheaper than the Connecticut average. USAA is next cheapest at $735.

Households with teen drivers face some of the highest insurance costs, but State Farm offers the lowest average rate at $4,619 annually. State Farm also ranked on our list of best auto insurance in Connecticut for young drivers because of its many discounts and local agents. For military-affiliated drivers, USAA is next cheapest at $5,240 per year.

USAA offers the cheapest rates for drivers with speeding tickets in Connecticut. GEICO and State Farm are next cheapest.

Getting into an accident can increase your insurance rates, but some providers are more forgiving than others. In Connecticut, USAA offers the most affordable option for drivers with an at-fault accident, on average. State Farm and GEICO are not far behind.

A DUI is one of the most severe marks on a driving record, often leading to significant rate increases. USAA offers the cheapest average rates for military-affiliated drivers and veterans at $2,725 annually.  Progressive offers the next cheapest rates for drivers with DUIs, with an average annual premium of $3,058 in Connecticut, 28 percent below the state average. Progressive’s rates are also some of the lowest for drivers with DUIs nationally.

In Connecticut, your credit score can significantly impact your insurance premiums. GEICO is the cheapest option for drivers with low credit with an average premium of $2,135, 44 below the state average. USAA ($2,514 annually) and Progressive ($3,428) also offer cheaper rates for drivers with poor credit.

When it comes to customer and claims satisfaction, not all insurers offer the same level of service. In Connecticut, Amica stands out for its exceptional customer service and claims satisfaction. Headquartered in Rhode Island, Amica has a strong presence in New England and consistently ranks highly in customer satisfaction surveys.

USAA also garners high marks, thanks to its personalized service and competitive rates. Allstate and GEICO follow closely behind, with solid scores for customer satisfaction in the New England area.

By being proactive and flexible, you can find a policy that balances cost and coverage. The following strategies can help you find the best possible rate in Connecticut:

• Compare multiple quotes: Don’t necessarily stick with the first quote you get. Prices can vary widely between insurers, so shop around and compare at least three providers.
• Ask about discounts: Many companies offer discounts for things like bundling home and auto policies, maintaining a clean driving record or paying your premium in full upfront.
• Adjust your coverage: While full coverage provides the most protection, you might be able to lower costs by adjusting your deductible or dropping optional coverages if your car is older. Increasing your deductible typically leaves you with less financial risk than lowering your liability limits.
• Use telematics programs: Most major insurers offer usage-based insurance programs that reward safe driving habits with lower premiums. Check out programs like State Farm Drive Safe & Save, GEICO DriveEasy, Progressive Snapshot and more.

Where you live in Connecticut can impact your car insurance rates significantly. Urban areas with denser populations and higher accident rates tend to have higher premiums while smaller towns may see lower costs. Among larger cities and towns in Connecticut, Bridgeport ($4,049 annually) and Hartford ($4,039 annually) have the highest rates. Madison ($3,027 annually) and Woodbury ($3,042 annually) are cheaper,

Connecticut law requires all drivers to carry a minimum level of car insurance to legally operate a vehicle. The state’s minimum requirements include:

• $25,000 per person and $50,000 per accident for bodily injury liability.
• $25,000 per accident for property damage liability.
• $25,000/$50,000 in uninsured/underinsured motorist coverage.

These limits ensure you can cover basic costs in an accident, but they might not be enough in a serious collision. Experts recommend opting for higher coverage limits or full coverage policies for better financial protection.

We analyze average premiums in Connecticut for full and minimum coverage for good drivers with good credit as well as various driver profiles, including those with DUIs, at-fault accidents, speeding tickets, low credit and households with teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible