Average Cost of Car Insurance in Connecticut

By Coverage Level

When purchasing car insurance, you can choose between full coverage and liability-only coverage. Minimum coverage includes the lowest liability limits needed to drive legally in the state. The higher your limits and the more coverages you add, the more you’ll pay.

Here’s how much you can expect to pay in Connecticut, depending on the coverage level you choose:

By Company

It’s important to compare prices whenever you shop for auto insurance, as providers offer different base premiums and discounts. In Connecticut, the lowest average auto insurance rates for safe drivers are $1,577 from USAA and $1,622 from GEICO. The most expensive company is Allstate.

By Age

The minimum age to get a learner’s permit in Connecticut is 16. Until teen drivers turn 18, they may not drive between 11 p.m. and 5 a.m. unless it is for employment, school, religious activities, or medical necessity. Drivers cannot use hands-free cell phones or other mobile electronics while driving until they turn 18.¹

Teen drivers have restrictions on their learner’s permits and licenses due to their relative inexperience on the road. Inexperienced drivers have higher rates of speeding, distracted driving, and car accidents, resulting in higher auto insurance rates.

The following are the cheapest auto insurance providers in Connecticut, depending on your circumstances.

*After USAA

cConnecticut requires drivers to carry the following insurance coverage at a minimum:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $25,000 per accident
• Uninsured motorist coverage: $25,000 per person/$50,000 per accident

In Connecticut, we recommend liability limits of at least $100,000 per person/$300,000 per accident for bodily injury and $100,000 property damage per accident. You should also consider medical payments coverage, which pays for injuries to you and your passengers.

Depending on the age and value of your car, collision and comprehensive coverage is often a good idea (and may be required for loans and leases). Older vehicles that you own outright typically don’t require collision and comprehensive coverage.

uHere are some tried-and-true cost-saving measures for auto insurance:

1. Compare prices. Get quotes from multiple companies to get the best price for your circumstances.
2. Ask about discounts. Common discounts include your home and auto insurance bundles, safe driver training and, for drivers under 25, good student performance.
3. Drive safely. A clean driving record will help to prevent your premium from increasing, and there are also telematics-based safe-driver savings programs, like State Farm’s Drive Safe & Save.
4. Consider pay-per-mile insurance. With pay-per-mile insurance, an insurance company determines your rate based on a per-day base rate and a variable rate that depends on how many miles you drive.
5. Review your policy.At each renewal period, review each type of coverage and confirm whether you still need each one. Eliminating some coverage or raising your deductible will reduce your premium.

Connecticut is an at-fault state, which means the driver who causes the accident is liable for financial damages. Connecticut allows motorists and others injured in the accident to file claims against the other party’s insurance policy.

tThe Connecticut DMV may require you to file an SR-22 if you want your license reinstated after a DUI or other serious violation. This form verifies that you carry the minimum coverage required in Connecticut. Most auto insurance companies will file an SR-22 on your behalf for a fee of about $25.

Connecticut is a relatively expensive state for auto insurance. By shopping around for prices and discounts based on your age, gender, driving history and other factors, you can make an informed decision. Connecticut is an at-fault state, so maintain enough coverage that you won’t have to pay out of pocket if you are found at fault for a serious accident.

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: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible