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

I am going to cover the minimum coverage and the cheapest auto insurance carriers in Connecticut plus strategies to help you lower your premium. 

If you would like to skip to the meat of the article please use the table of contents down a little and to the right.

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

Minimum Car Insurance Requirements in Connecticut

CoverageConnecticut Minimum Liability CoverageRecommended 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 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 insurer 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 in thousands of dollars. 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 coverage if you are in a serious accident.

Cheapest rates for 30 year old driver in CTNote: 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.

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 a 2014 Honda Accord. For more detailed comparison please see table below.

Cheapest Auto Insurance Companies in Connecticut

In the table below we queried 24 of the top insurance companies in the state of Connecticut. We did this for drivers from 25 to 55 years of age. Each had no more than one driving violation, good credit, and not married.

Overall the three least expensive insurers by price are GEICO, USAA, and Amica. If you are in the market to find a lower premium then you should get quotes from these three companies.

Typically, if you are driving with good driving history the top companies are probably going to be the best option for you.

If you have different or specialized needs then you may want to get quotes from local or regional companies.

At times, companies like Victoria may offer you a competitive quote for a more “tailored” policy.

Among all the companies there is price variance of 50% or more making it important to compare quotes when shopping for the least expensive policy.

Connecticut CompanyAverage Annual Rate 25 Y/O Driver30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
Cal Casualty$1,487$1,190$1,094$999$899$809
21st Century$1,509$1,211$1,099$1,007$902$810
MetLife $1,587$1,244$1,088$1,010$988$813
State Farm$1,743$1,510$1,231$1,021$999$899
Liberty Mutual$1,907$1,564$1,347$1,086$1,002$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 in a traffic accident, it is important that all Connecticut drivers carry minimum liability coverage and  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 a 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 motorist protection will pay for damages to the insured’s automobile and cover hospital costs in the event the other driver doesn’t have sufficient coverage.

Best Rated Companies in Connecticut, Rate Change, & Consumer Rating

Below are insurers with their average consumer rating, rate change over 18 months, and the amount of complaints. Included is the amount of written premiums.

Typically, the higher amount of written premiums for insurers the more complaints. Nothing in our list indicated anything out of the ordinary when it comes to complaints.

The rate change over a 12 to 18 months period is average for all carriers. If you happen to get a traffic violation or file a claim your rate could spike substantially.

The best way to keep your quotes low is to maintain a good driving history, limit the amount of claims, and do not let your coverage lapse.

The consumer ratings are taken from AM Best, JD Power & Associates, plus other reputable online sources.

The list of carriers below are from the least to the most amount of complaints. The carriers all have good financial strength and would be able to pay out a claim.

Connecticut CompanyWritten Premiums Rate Change < 18 MonthsAvg Rating out of 5 Stars# of Complaints
QBE$11,585,179 +4.5%2.91
Great Northern $21,767,845+4.7%3.21
Ohio Mutual $186,415,619 +4.6%4.21
Middlesex$47,923,184 +4.8%4.01
ACE $14,181,973+5.2%4.42
21st Century$37,653,469+4.1%4.42
Ameriprise$12,120,650 +4.1%4.02
Plymouth Rock$22,906,946+4.3%4.24
State Farm$136,602,831+3.7%4.55
MetLife $104,777,455+3.6%4.412
Liberty Mutual$207,051,836 +3.3%3.917

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.

Average Premium by City

Below are 24 cities in the state of Connecticut with the average premium price plus the difference from the state average per quote.

When I queried for quotes for each city it was for 10 quotes for a 35 year old driver with no traffic violations.

Quotes varied from $1,009 to over $1,500 per year. One of the main contributing factors is your location. Therefore quotes can vary wildly from city to city or zip code to zip code.

If your quotes are higher then those below you may want to consider your driving history, if you let your coverage lapse, or possibly your credit. All of these things can contribute to a higher premium.

More important, each carrier is going to weigh the “risk factors” differently. One of the reasons you have a higher or lower quote when shopping for a new policy.

If you would like a more detailed coverage of big cities in Connecticut please read further below.

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

Affordable insurance carriers in New Haven, CT

Finding an affordable premium 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 Company30 Y/O Driver45 Y/O Driver
Liberty Mutual$1,233$978
State Farm$1,510$1,256

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.


Hartford, CT cheapest premiums by price for all drivers.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 Company30 Y/O Driver45 Y/O Driver
Liberty Mutual$1,244$1,043
State Farm$1,278$1,141
California Casualty$1,310$1,144

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.


Stamford, CT least expensive policy choices for drivers.Stamford residents have an opportunity to save on a yearly premium. Progressive, State Farm, and Amica were the cheapest carriers we queried. Which is over 20% lower than the median quote of $1,400.

GEICO and Nationwide are more than 15% lower than the average mean 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 Company30 Y/O Driver45 Y/O Driver
State Farm$1,054$804
Liberty Mutual$1,201$944
California Casualty$1,233$987

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.


Bridgeport, CT cheapest companies by quote for drivers.Bridgeport has premium prices 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 Company30 Y/O Driver45 Y/O Driver
State Farm$968$878
Liberty Mutual$1,054$932
California Casualty$1,098$996

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.

Stratford Stratford, CT lowest premium options by price for all drivers.

If you know where to look you can find cheap car insurance in Stratford. Any of the five illustrated carriers are more than 28% below the average 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 Company30 Y/O Driver45 Y/O Driver
State Farm$1,114$889
Liberty Mutual$1,222$967
California Casualty$1,287$989

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.


Waterbury, CT low-cost policy choices for 25 to 55 y/o drivers.

Most of the drivers in Waterbury are paying more than the average premium price. 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 Company30 Y/O Driver45 Y/O Driver
State Farm$1,043$899
Liberty Mutual$1,144$954
California Casualty$1,187$990

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.


Essex, CT cheapest quotes by price for 30 to 55 y/o drivers.

Essex is home to some of the lowest quotes 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 carriers illustrated clustered at the $800 mark. Which is about 20% below the average rate for residents in the city of Essex.

Essex Company30 Y/O Driver45 Y/O Driver
State Farm$922$804
Liberty Mutual$986$865
California Casualty$1,008$867

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.


Bristol affordable premium choices by price for 25 to 55 y/o drivers.

As illustrated the cheapest companies for drivers in 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 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 policy.

Bristol Company30 Y/O Driver45 Y/O Driver
State Farm$1,008$789
Liberty Mutual$1,066$889
California Casualty$1,089$891

Bristol has a population over 60,000 and an average premium 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.


Norwalk least expensive carriers by price for all drivers.

Drivers in Norwalk will find the least expensive quotes with Progressive, Amica, and Liberty Mutual. I queried each at $944, $980, and $1,022 for a 30 year old driver. Which is 30% to 36% lower than the average premium of $1,420 per year for a driver with a similar profile.

A 45 year old can find the cheapest quotes with Progressive, Amica, and Liberty Mutual. Each queried at $711, $765, and $825 per year for full coverage. Which is 29% to 34% lower than the median rate for a driver of similar age and profile.

For all age of drivers in Norwalk there is a variance over $200 between the lowest and highest carrier making it a 30% difference.

One of the primary reasons to compare quotes to find the best price when shopping for a new policy.

Norwalk Company30 Y/O Driver45 Y/O Driver
Liberty Mutual$1,022$825
State Farm$1,278$924
California Casualty$1,387$965

Norwalk, Connecticut was settled in 1640 and incorporated 11 years later in 1651 with approximately 5,000 residents. Today, there are nearly 89,000 and the 6th largest city in the state. 

Once nicknamed “Oyster Town,” Norwalk has long relied on oyster farming as its principal industry which even today continues to make the city Connecticut’s largest oyster producer. 

Many of the city’s special festivals are outdoors, including the annual Oyster Festival which allows thousands of visitors to sample the city’s excellent seafood.

Other notable attractions include, the Mill Hill Historic Park, SoNo Switchtower Museum, and the Round Hill Highland Games.


Danbury low-cost policy choices for 30 to 55 y/o drivers.

Compared to other cities, drivers in Danbury can enjoy lower quotes with an average premium just over $1,000 per year.

If you want to get even a cheaper rate then get quotes from Progressive and Liberty Mutual. I queried each at $855 and $879 per year for a 30 year old. Which is 14% to 16% lower than the average premium of $1,020. Amica is another solid choice since they are 10% lower.

A 45 year old can get the cheapest quotes with Progressive, Liberty Mutual, and Amica. Each queried at $670, $701, and $699 respectfully for full coverage.

With quotes clustering at $700 each insurer is 17% lower than the median rate for a driver of similar age and profile.

Danbury Company30 Y/O Driver45 Y/O Driver
Liberty Mutual$879$701
State Farm$1,132$801
California Casualty$1,170$811

Danbury is named after Danbury in Essex, England. It was incorporated as town in 1702 with approximately 1,000 residents. Today, Danbury has a population of 80,000.

It has a prominent role in the hat industry during the 19th and 20th centuries giving it the nickname “Hat City”.

During that time, Danbury produce more hats than any other city in the nation. Unfortunately there are only remnants of the hat-making industry left today. The last hat-making factory closed in 1964 and the last hat made in Danbury was in 1987.

There are ton of beautiful trails in and around Danbury. Two of the most prominent are the Old Quarry Nature Center and the Ives Trail.

New Britain

New Britain inexpensive premiums by price for 30 to 55 y/o drivers.

Drivers in New Britain are paying over $1,300 per year for an auto policy. If you want to go cheaper then get quotes from Amica, Progressive, and Liberty Mutual. I queried each at $978, $1,043, and $1,087 per year for a 30 year old driver. Which is 19% to 26% lower than the average policyholder’s price in New Britain.

All the carriers illustrated are below the median price of $1,330 per year making it worthwhile getting quotes from all of them if want to compare.

A 45 year old can get inexpensive quotes with Amica, Progressive, and Liberty Mutual. Each queried at $714, $743, and $768 per year for full coverage. Which is 20% to 25% lower than the average premium for a driver of similar age and profile.

There is a variance of $140 among the lowest and higher price carriers. Or a price difference of nearly 20%.

New Britain Company30 Y/O Driver45 Y/O Driver
Liberty Mutual$1,087$768
State Farm$1,210$854
California Casualty$1,245$887

Incorporated as a city in 1871, New Britain saw its industrial identity defined in the late 19th century when Frederick Stanley incorporated The Stanley Works and was soon followed by Corbin Locks and other major manufacturers.

By the early 20th century, New Britain became known as the “Hardware City,” having become America’s largest hardware manufacturing center. Still the home of the Stanley Works (Black & Decker), New Britain today retains its economic focus on manufacturing but supplements it with an eye towards technology.

New Britain has a large Polish population is often referred to as “New Britski”.

Notable attractions include the Connecticut Virtuosi Chamber Orchestra, Black Box Theatre at CCSU, and the Hole in the Wall Theater.


Milford cheapest premium choices for 25 to 55 y/o drivers.

If you aren’t getting the least expensive premium in Milford your probably shopping in the wrong place.

Start with Progressive, Amica, and Liberty Mutual. I queried each at $970, $1,043, and $1,125 per year for a 30 year old. Which is 19% to 27% lower than the average rate citywide.

There is a variance of $233 among the lowest and highest carriers making it important to compare quotes.

A 45 year old can get low quotes with Progressive, Amica, and Liberty Mutual. Each queried at $702, $715, and $806 per year for full coverage. Or 21% to 25% lower than the median rate for drivers of similar age and profile.

Again, there is a big variance among the lowest and highest carriers. Approximately $185 or nearly 18% difference between Progressive ($702) and State Farm ($887).

Milford Company30 Y/O Driver45 Y/O Driver
Liberty Mutual$1,125$806
State Farm$1,203$887
California Casualty$1,256$906

Milford was settled in 1639 with a few residents. However, it wasn’t incorporated as a city until 1959. Today there are 51,000 people is part of the NY-NJ metropolitan area. 

English settlers purchased the land on which Milford stands today from Ansantawae, the chief of the Paugussets. These English settlers were originally residents of New Haven Colony. Industries that developed in this region included farming and shipbuilding.

Milford has breathtaking beachfront and harbor views. River Street in downtown Milford has boutique and quaint coffee shops. It is also home to the Milford Green the first longest green in New England.

Other notable attractions include, the Milford Cultural Center, Silver Sands State Park, Firehouse Art Gallery, and Charles Island.


Middletown, CT lowest premium prices by carrier for drivers.

Drivers in Middletown can get cheap car insurance by getting quotes from Progressive, Liberty Mutual, and Amica.

I queried each at $1,008, $1,055, and $1,180 per year for a 30 year old driver. Which is 19% to 27% lower than the “mean” quote in the city. Nationwide and State Farm are 10% lower than the median rate making both carriers good contenders for a lower premium.

A 45 year old can get the least expensive quotes with Progressive, Liberty Mutual, and Amica. I queried each at $754, $780, and $823 per year for full coverage. Or 20% to 26% lower than the “mean” quote for drivers of similar age and profile.

With a variance of $149 among the lowest (Progressive) and the highest (State Farm) is would make sense to compare to find the most savings while increasing coverage.

Middletown Company30 Y/O Driver45 Y/O Driver
Liberty Mutual$1,055$780
State Farm$1,276$903
California Casualty$1,321$926

Middletown was incorporated as a town under its original Indian name Mattabeseck in 1650. The city was named Middletown in 1653. The first European settlers in this area were Puritans, and they had frequent skirmishes with the Native Americans. However, during the 19th century, Middletown became a large and prosperous settlement.

Today, the city has approximately 47,000 and nearly 2 million in the metropolitan area. 

During the 1990’s, a partnership between the city, the Middlesex Chamber of Commerce, and Wesleyan University invested heavily in Middletown’s Main Street. Their actions helped the revival of downtown Middletown.

Notable attractions include, the Kidcity Children’s Museum, Middletown Sports Hall of Fame, Wadsworth Falls State Park, and the Cockaponset State Forest.


Southington, CT low-cost policy options by price for drivers.

The average premium price in Southington is over $1,300 per year. To find an inexpensive premium then get quotes from Progressive, Amica, and Liberty Mutual.

I queried each at $967, $1,032, and $1,080 per year for a 30 year old driver. Which is 19% to 27% lower than the average policyholder’s price in Southington. In fact, all the carriers illustrated are below the median price making them worthwhile to get quotes from for comparison.

A 45 year old can get the cheapest price with Progressive, Amica, and Liberty Mutual. Each queried at $698, $699, and $716 per year for full coverage. Which is 20% to 26% lower than the “mean” rate for drivers of similar age and profile.

Quotes clustered between $698 and $827 giving a $129 variance or 18% difference among the lowest and highest price carriers.

Southington Company30 Y/O Driver45 Y/O Driver
Liberty Mutual$1,080$716
State Farm$1,178$827
California Casualty$1,243$896

Southington was originally known as Panthorne. The area was first settled in by Europeans in 1698 by Samuel Woodruff. In 1779, the area was incorporated as a town.

General George Washington passed through the town while visiting Wethersfield in 1771. Though Southington was a small, rural farming community, it developed into a manufacturing center in the early 1900’s.

Today, the community has a population of roughly 45,000.

Southington’s west ridge is home to an extremely rare geological formation, one of several in the world known as the Great Unconformity.

Notable attractions include, Cockaponset State Forest, Lake Compounce Theme Park, Science Center of Connecticut, and the Quassy Amusement Park.

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
Final Thoughts

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.

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 policy or looking to lower your premium 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.


Shaun Fyffe

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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