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State Of Connecticut’s Car Insurance Minimum Coverage, Cheapest Rates by Age, & Top Rated Insurance Companies

All Connecticut drivers are required to maintain an effective minimum quantity of liability cover to cover bodily injury and property damage in the event the accident is their fault.

Car Insurance Requirements in Connecticut

CoverageConnecticut Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$20,000 / $40,000$100,000 / $300,000
Property Damage$10,000$25,000
Uninsured Motorist Coverage$20,000 / $40,000$20,000 / $40,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

The minimum bodily injury responsibility and property damage liability for the state of Connecticut is 20/40/10.

What these numbers mean is the insurance firm will pay up to the amount (in thousands) before the at-fault driver will be responsible to pay. The numbers are as follows for the state of Connecticut:

Bodily Injury Liability

The numbers (20 & 40) represent the minimum quantity of bodily injury liability insurance which must be maintained on the policy at all times. The insurance firm will cover up to $20,000 for the hospital costs of a single person with up to $40,000 for all people in the automobile.

Property Damage Liability

The other number (10) is the quantity of property damage liability insurance everybody must have. To cover the costs to buildings, signs and the other driver’s automobile, the insurance firm will cover up to $10,000 if you get minimum coverage.

Affordable insurance rates for 25 year old driver in CT

Note: For a 25 year old driver the lowest insurance rates queried are GEICO, Amica, and Progressive. This driver had one driving violation in the last three years and a good driving record. For a more detailed comparison please see table below.

Though these are the necessary minimums, the state of Connecticut advises that all residents get better than the minimum coverage as damages will go well beyond the minimum cover if you are in a serious accident.

Cheapest rates for 30 year old driver in CT

Note: Again the lowest quotes obtained are from Amica, GEICO, and Progressive. All five carriers are bundled together between $1,100 and $1,190 per year for a 30 year old driver. See table below.

Cheapest Auto Insurance Quotes in Connecticut Avg Rate by Age

Inexpensive car insurance for a 35 year old driver.

Note: A 35 year old driver will find the cheapest rates from the five insurance carriers illustrated above. The 35 year old has good credit, minimal traffic violations, not married, and drives and 2014 Honda Accord. For more detailed comparison please see table below.

Comparison Table

In the table below we queried 24 of the top insurance companies in the state of Connecticut. We did this for a 25, 30, 35, 40, 45, and 55 year old driver. Each had no more than one driving violation, good credit, and not married. Your results will vary.

RankConnecticut Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
6Cal Casualty$1,487$1,190$1,094$999$899$809
721st Century$1,509$1,211$1,099$1,007$902$810
9MetLife $1,587$1,244$1,088$1,010$988$813
14State Farm$1,743$1,510$1,231$1,021$999$899
17Liberty Mutual$1,907$1,564$1,347$1,086$1,002$903
21Erie Insurance$2,487$1,920$1,411$1,112$1,009$903

Best insurance companies for a 40 year old driving in CT

Note: As illustrated a 40 year old driver could find insurance quotes below $1,000 per year with any of the insurance carriers in the graph (or the table, please table above).

Comprehensive, Collision & Uninsured Motorist Protection

With the raised likelihood of being concerned in a traffic accident, it is important that all Connecticut drivers carry minimum liability cover and they may want to consider comprehensive, collision, and uninsured motorist protection.

Many drivers today are not insured and Connecticut is a small state located near densely populated areas with a high amount of uninsured motorists.

Best insurance companies for a 45 year old driving in CT

Note: As illustrated, the cheapest car insurance includes GEICO, Nationwide, California Casualty, and Amica. It would be smart for a 45 year old driver to compare all five of the companies to find an insurance policy with optimum coverage and additional savings.

Therefore, it is a good idea to get this type of protection if you are living in Connecticut. Uninsured car driver protection will pay for damages to the insured’s automobile and cover hospital costs in the event the other driver doesn’t have insurance or their coverage isn’t acceptable.

Best Rated Car Insurance Companies in Connecticut

Connecticut Auto Insurance CompanyTotal Premiums Avg Rating out of 5 Stars# of Complaints
QBE Insurance$11,585,179 n/a1
Great Northern Insurance$21,767,845n/a1
Ohio Mutual Insurance Company$186,415,619 4.21
Middlesex$47,923,184 4.01
ACE Insurance$14,181,9734.42
21st Century$37,653,4694.42
Ameriprise$12,120,650 4.02
Plymouth Rock$22,906,9464.24
State Farm$136,602,8314.55
Erie Insurance$14,587,1794.15
MetLife $104,777,4554.412
Liberty Mutual$207,051,836 3.917

Autoinsuresavings realizes how time consuming it can be to find a rate which is lower and has the same or even more protection for your vehicle.

We have simplified the process by using a comparison tool to help you locate auto insurance firms from Bristol to Groton with available quotes any time of the day.

Low cost insurance rates for a 55 year old driver

Note: If you are older driver with a clean driving history and minimal traffic violations, you should be able to find rates below $800 per year with full coverage.

The process take less than five minutes and if you need to be in touch with an agent to discuss your insurance needs this site helps supply you with all the information all in one place.

If you are need of insurance or looking to lower your auto insurance rates then enter your zip code and let the system do the work for you. Even if you live in Torrington, Norwich, Milford, or Danbury we are sure you can find lower Connecticut car insurance quotes with equal cover.

You want to be sure to ask about comprehensive and collision coverage too. You do not want to pay out huge fees if you are involved in accident or if your car is stolen. Particularly if you have a newer model vehicle which costs thousands of dollars.

Local Auto Insurance Agents in Connecticut

CityAvg RatePopulationPercentage Change Vs. State Avg.CityAvg RatePopulationPercentage Change Vs. State Avg.CityAvg RatePopulationPercentage Change Vs. State Avg.
Bozrah$1,1222,627-12%Naugatuck $1,30731,392-7%Torrington$1,39936,383-0%
Canaan$1,1561,101-13%New Britain$1,33671,254-5%Trumbull$1,18736,018-11%
Danbury$1,00980,893-17%New Hartford$1,3116,970-7%Watertown$1,29422,514-6%
Derby$1,32112,903-8%New London$1,29027,620-10%Weatogue$1,3202,776-5%
Groton$1,34410,010-7%Norwalk$1,45185,603+2%West Haven$1,33852,721-4%

New Haven Auto Insurance

Affordable insurance carriers in New Haven, CT

Cool Facts about New Haven

  1. Alexander Graham Bell’s first telephones were installed in New Haven and the country’s first telephone book was printed.
  2. The lollipop, one of America’s sweetest creations, was developed and commercially produced in New Haven.
  3. The fist hamburger in the United States was made and served at Louis’ Lunch which is still in operation today.

Finding affordable car insurance in New Haven is top priority for many residents since the average rates vary from $1,400 to $2,300 per year. For a driver residing in the city we were able to find rates below $1,300 with GEICO and Liberty Mutual. USAA, Amica, and Progressive are worth considering since you may get a lower rate through them because of varying factors.

New Haven CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Liberty Mutual$1,233$978
State Farm$1,510$1,256

Hartford Auto Insurance

Best car insurance options in Hartford, CT

The city of Hartford is known as the “Insurance Capital of the World”. Aetna, The Hartford, Travelers, United Healthcare, and Lincoln National are headquartered in the city. After the Civil War, Hartford was one of the richest cities in the nation. Now it is one of the poorest. The city is sprawled with beautiful architecture and quaint coffee shops. History buffs from all over the nation love to come to Hartford.

The average insurance rates for residents of Hartford hover between $1,400 to over $2,000 per year. In our study, we found three insurance carriers for less than $1,200 and a few under $1,300. Our top picks are Progressive, Amica, and GEICO. Nationwide and Liberty Mutual certainly should be considered too.

Hartford CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Liberty Mutual$1,244$1,043
State Farm$1,278$1,141
California Casualty$1,310$1,144

Stamford Auto Insurance

Low cost insurance rates in Stamford, CT

Stamford, Connecticut prides itself on safety. It is consistently rated as one of the safest cities in all of the United States with a population over 100,000 people. This makes the city a great place to visit or reside. Stamford’s cluster of corporate headquarters includes a number of Fortune 500 and 1000 companies. Some of the more well known companies are UBS, Charter, and Pitney Bowes.

Stamford residents have an opportunity to save on a yearly car insurance premium. Progressive, State Farm, and Amica were the cheapest insurance carriers we queried. That is over 20% lower than the median insurance rate of $1,400. GEICO and Nationwide are more than 15% lower than the average mean insurance rate of Stamford. If you are a driver with a clean driving history any of the top five illustrated should help you find substantial savings.

Stamford CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
State Farm$1,054$804
Liberty Mutual$1,201$944
California Casualty$1,233$987

Bridgeport Insurance Quotes

Bridgeport, CT cheapest car insurance companies

Bridgeport is the largest city in Connecticut and has over 1,300 acres of public park space. In addition to its fascinating parks like Pleasure Beach and Seaside Park, almost every neighborhood in the city has its own pocket park for residents to enjoy. Some world renowned attractions include the Greater Bridgeport Symphony, the Downtown Cabaret Theatre, the Playhouse on the Green, and Discovery Museum.

Bridgeport has average insurance rates varying from $1,200 to over $2,000 per year. For a 30 year old driver we were able to find rates less than $1,000 per year with full coverage. That is more than 15% lower than average rate. GEICO, Progressive, and Nationwide are the cheapest providers out of the top five. State Farm is below $1,000 while Amica breached the $1,000 mark.

Bridgeport CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
State Farm$968$878
Liberty Mutual$1,054$932
California Casualty$1,098$996

Stratford Insurance Quotes

Stratford, CT lowest insurance providers illustrated.

Stratford is a city rich in history and surrounding natural beauty. The Town’s location on Long Island Sound affords residents and visitors alike with two public bathing beaches, five marinas, several fishing piers and two public boat-launching facilities. Some popular attractions are the Judson House Museum, the Catharine B. Mitchell Museum and the National Helicopter Museum while staying at Stratford. And, by the way, the first helicopter took flight in Stratford.

If you know where to look you can find cheap car insurance in Stratford. Any of the five illustrated insurance carriers are more than 28% below the average insurance rate of $2,000 per year. Any driver with a good driving record should be able to find low rates with Progressive and State Farm. A 30 year old driver in Stratford may be able to get rates near $1,000. While a 45 year old driver should be able to rates below $900.

Stratford CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
State Farm$1,114$889
Liberty Mutual$1,222$967
California Casualty$1,287$989

Waterbury Insurance Quotes

Cheapest insurance rates in Waterbury, CT

Waterbury is a really neat city clustered with 25 neighborhoods. Clusters of shops at the street corners created villages within the city. For many residents life stayed within their own neighborhood. Via a short walk “the city” offers quaint coffee shops, fancy stores, and live theater. Waterbury is full of history and famous attractions which include Palace Theater, the Mattatuck Museum, the Timexpo Museum, and Railroad Museum of New England.

Most of the drivers in Waterbury are paying too much for car insurance. With a little diligence and comparing you could find savings of 30% or more. Our top choices include Progressive, GEICO, and State Farm. Each of them around $1,000 per year which is 10% lower than the average rate of approximately $1,200. A 45 year old driver may find rates less than $900 with State Farm and Progressive.

Waterbury CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
State Farm$1,043$899
Liberty Mutual$1,144$954
California Casualty$1,187$990

Essex Insurance Quotes

Low cost auto insurance carriers in Essex, CT

Essex is home to the “100 Best Small Towns in America”. The city attracts thousands of tourists and visitors throughout the year.  Surrounding beautiful landscapes and colonial architecture, the city has worldwide attractions such as, the Copper Beech Inn, the Griswold Inn, Essex Art Association Gallery, Connecticut River Museum, Ivoryton Playhouse, and the most famous, Essex Steam Train.

Essex is home to some of the lowest auto insurance rates in the state of Connecticut. Progressive and GEICO were below the $900 range for a 30 year old driver. While Nationwide, State Farm, and Amica were all below the $1,000 mark. For a 45 year old driver all insurance carriers illustrated clustered at the $800 mark. Which is about 20% below the average rate for residents in the city of Essex.

Essex CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
State Farm$922$804
Liberty Mutual$986$865
California Casualty$1,008$867

Bristol Insurance Quotes

Comparing Bristol car insurance providers.

Bristol has a population over 60,000 and an average insurance rate of approximately $1,200 per year. Colonial architecture spread the landscape of Bristol.  It is home to several unique museums, including the famous American Clock & Watch Museum, Muzzy Field, one of the United States’ oldest ballparks, and Lake Compounce Theme Park one of the oldest in the United States. Also, Bristol holds an annual street festival with a car show and Southington’s apple festival in September.

As illustrated the cheapest car insurance companies for residents of Bristol are Progressive, GEICO, and Nationwide. Averaging a $920 rate per year this is more than 21% below the median rate of approximately $1,200 per year. A 45 year old driver could get insurance quotes below $800 per year. A family of four should get quotes from all five of our illustrated choices to find the most savings on a car insurance policy.

Bristol CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
State Farm$1,008$789
Liberty Mutual$1,066$889
California Casualty$1,089$891

Insurance Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
153 Market St, Hartford, CT 06103
(860) 297-3800
140 Pond Lily Ave, New Haven, CT 06515
(203) 389-3100
60 State St, Wethersfield, CT 06109
(860) 263-5700
Shaun Fyffe
Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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