Cheap Car Insurance in Connecticut (2023)

Connecticut ranks as the 15th most-expensive state for purchasing car insurance, with an average monthly premium of $252. If you’re looking to buy or renew an insurance policy, shopping around for quotes from various providers will help you find cheap car insurance. To compare quotes, you just need to enter your ZIP code, driving profile, and vehicle information.

Best cheap car insurance in Connecticut: State Farm

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State Farm

The cheapest car insurance provider for Connecticut drivers is State Farm, with average rates of $123 per month. The overall average premium for the state is much higher, at $252 per month, so drivers with State Farm and other affordable options like Travelers save significantly. Individual rates will, of course, vary based on specific driving history, vehicle type, and more.

Learn More: Best Car Insurance Companies

Minimum car insurance requirements in Connecticut

All motor vehicles operated or parked on Connecticut roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Connecticut are:

• $25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Connecticut is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person and $50,000 per accident for uninsured/underinsured motorist bodily injury: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Connecticut, you’re required to purchase insurance that covers bodily injuries under these circumstances.^[1]

Connecticut DMV information

The Connecticut DMV is open by appointment only.^[2] But it also offers many of its services online. For example, you can request a duplicate driver’s license or non-driver ID, obtain your driving history, and change your address online without stepping foot in the DMV. Other services include vehicle registration and driver’s license renewal, ownership transfers, and registration.

Public transportation in Connecticut

The most convenient way to get around the various cities in Connecticut cities is by car. But Connecticut also has an extensive public transportation system as an alternative to driving. Local and express buses are available, as well as three rail lines, to travel around the state.

Tips for getting cheap car insurance in Connecticut

Online comparison tools allow you to compare quotes from the best available car insurance companies that meet your insurance needs in just a few minutes. Simply answer basic questions about your driving history, vehicle, and coverage preferences and compare your cheap car insurance quotes side by side until you find the best match for you.

Liability-only vs. full-coverage in Connecticut

If you live in Connecticut, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the average monthly quotes for the cheapest auto insurance in Connecticut by policy type.

How your driving history affects Connecticut car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Connecticut. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Connecticut based on driving and accident history.

See More: High-Risk Car Insurance in Connecticut

SR-22 insurance in Connecticut

If you have a DUI conviction on your driving record, you’ll likely need to get a special SR-22 form from your insurer before you’re allowed back on the road. You’ll only have to pay a one-time fee to get your SR-22, but it will likely increase your car insurance premiums. Not every car insurance company offers SR-22 insurance, but you can find some below that do.

See More: SR-22 Car Insurance in Connecticut

How credit scores affect Connecticut car insurance quotes

Unlike in most states, Connecticut insurance providers aren’t allowed to use credit scores to determine car insurance rates. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

See More: Bad Credit Car Insurance Connecticut

How your city affects Connecticut insurance quotes

Your car insurance quote depends on where in Connecticut you live. Hartford and New Haven residents can expect the highest average monthly car insurance rates at $320 and $323, respectively. Insurance premiums vary by city, depending on factors like population, crime rates, climate, and more. Find the average rate for your city in the chart below.

How your age affects your Connecticut car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others affect all age groups evenly.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 25.

Quotes for middle-aged drivers

Drivers older than 25 typically see their car insurance rates begin to fall, especially if they’ve maintained a clean driving record. However, infractions like an at-fault accident or a DUI will push rates higher. The following table provides average monthly quote information for middle-aged drivers.

Quotes for senior drivers

Senior drivers typically pay the lowest car insurance rates of any age group, although their rates do start to increase as they grow older. And a driving infraction can push senior drivers’ car insurance costs even higher. The following table provides average monthly quote information for senior drivers in Connecticut.

Connecticut car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Connecticut.

Insurify Insights

How Connecticut Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Connecticut below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Connecticut drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Accord

Most Popular Car in Connecticut

#50

State with the Most Speeding Tickets Rank

#49

State with the Moving Violations Rank

#46

State with the Most DUIs Rank

#45

State with the most Suspended Licenses

• Accidents in Connecticut

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Connecticut is the #33 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #33
  • Percent of drivers in Connecticut with an accident: 8%
• DUIs in Connecticut

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Connecticut is the #46 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #46
  • Percent of drivers in Connecticut with a DUI: 0.8%
• Reckless Driving in Connecticut

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Connecticut is the #48 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #48
  • Percent of drivers in Connecticut with a reckless driving offense: 0.8%
• Rude Driving in Connecticut

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Connecticut is the #47 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #47
  • Percent of drivers in Connecticut with a rude driving violation: 1%
• Speeding in Connecticut

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Connecticut is the #50 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #50
  • Percent of drivers in Connecticut with a speeding ticket: 4.1%
• Failure to Yield Rates in Connecticut

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Connecticut is the #44 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #44
  • Percent of drivers in Connecticut with a failure to yield violation: 0%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.