Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: May 6, 2021

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AutoInsureSavings.org team of licensed insurance agents found Travelers Insurance at $616 per year is the cheapest of all car insurance companies in Connecticut for state minimum policies.

At $1,517 per year, State Farm is the cheapest car insurance company in Connecticut for full coverage policies.

Affordable Connecticut Car Insurance Rates

Choosing the right car insurance company can help you improve your level of coverage while you stay within your budget.

Cheapest Car Insurance in Connecticut - Key Takeaways
AutoInsureSavings.orgThe cheapest Connecticut car insurance options are:

Cheapest for minimum coverage: Travelers Insurance
Cheapest for full coverage: State Farm
Cheapest after an at-fault accident: State Farm
Cheapest after a speeding ticket: GEICO
Cheapest after a DUI: Progressive
Cheapest for poor credit history: GEICO
Cheapest for young drivers: GEICO
For younger drivers with a speeding violation: Nationwide
For younger drivers with an at-fault accident: Nationwide
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To help you save money and find the best deal on your car insurance premium in Connecticut, AutoInsureSavings.org has compared the best rates from several top companies in the insurance industry for various types of drivers and age groups. 

Cheapest car insurance in Connecticut with Travelers Insurance, State Farm, MetLife Insurance compared with average rates.

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Cheapest Car Insurance in Connecticut for Minimum Coverage

Our agents found that Travelers Insurance offers the cheapest state minimum coverage car insurance for drivers in Connecticut with a clean driving record at $616 per year, which is 46% less expensive than the average cost for minimum liability coverage from other auto insurance companies in Connecticut at $1,098 per year. 

Auto InsurerAverage annual rate
Travelers$616
State Farm$649
USAA$670
MetLife$714
GEICO$824
Nationwide$958
Allstate$1,040
Progressive$1,221
Amica$1,532
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*USAA is for qualified military members, their spouses, and direct family members. Auto insurance rates may vary depending on the driver’s profile.

Connecticut drivers can purchase state minimum liability requirements for less than $700 per year from several providers.

While Travelers and State Farm are the cheapest options for many Connecticut drivers, we also found that MetLife and GEICO are two good insurance carriers to consider based on our research for drivers who want to save the most money. 

Minimum property damage and bodily injury liability policies are cheaper car insurance premiums, which exclude comprehensive and collision coverage, but AutoInsureSavings.org licensed agents recommend buying full coverage insurance in Connecticut since filing a claim with a minimum coverage insurance policy you could pay out-of-pocket expenses. 

Cheapest Full Coverage Car Insurance in Connecticut

We found that State Farm offers cheap full coverage for drivers in Connecticut with a $1,517 per year quote or 37% cheaper than the state average rates. 

MetLife is the next best option at $1,664 per year or 31% less expensive than Connecticut’s average $2,387 insurance rate. 

InsurerAnnual costMonthly cost
State Farm$1,517$126
MetLife$1,664$138
GEICO$1,983$165
Connecticut average$2,387$198
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*USAA is for qualified military personnel, their spouses, and direct family members. Rates may vary depending on driver profiles and zip codes.

The average driver in Connecticut paying for full coverage insurance is $198 per month. Drivers can find cheaper auto policies by comparing top car insurance providers’ rates like those listed here.

Cheapest Car Insurance in Connecticut with a Speeding Ticket

Our licensed agents found GEICO offers the cheapest auto insurance rates for drivers in Connecticut with a speeding violation at $1,904 per year or a $158 monthly rate. GEICO’s quote is 32% lower than the Connecticut average rates of $2,788 per year. 

InsurerAnnual costMonthly cost
GEICO$1,904$158
Travelers$2,056$171
MetLife$2,187$182
Connecticut average$2,788$232
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Average rates increase by $401 per year after a moving violation in Connecticut. Insurance companies use traffic tickets to assess risk; having one or more tickets on your driving record indicates you are riskier to the insurer than drivers with a clean driving history.

According to the Connecticut Department of Motor Vehicles (DMV), if you receive six points for speeding, you will receive a warning letter and an insurance company rate increase by 15% until the traffic violation falls off your driving record in three years.

Cheapest Car Insurance in Connecticut with an At-Fault Accident

State Farm offers the most affordable car insurance rates for drivers with a recent at-fault accident in Connecticut, with annual premiums as low as $2,033 per year. That is $1,646 less than state average rates, or 45% cheaper drivers pay for coverage in Connecticut.

InsurerAnnual costMonthly cost
State Farm$2,033$169
Travelers$2,146$178
GEICO$2,832$236
Connecticut average$3,679$306
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Travelers and GEICO are insurance companies that offer lower than state average rates for many drivers in Connecticut who have an accident on their record.

According to the Connecticut DMV, an auto accident will remain on your motor vehicle record for three years, along with an average insurance rate increase of 36%.  

Cheapest Car Insurance With a DUI in Connecticut

Progressive offers the cheapest car insurance rates in Connecticut for drivers with a DUI in their driver history at $2,987 per year. The average rate for drivers with a DUI in Connecticut is $4,365, and Progressive’s best rates are 32% lower than other auto insurance companies.

InsurerAnnual costMonthly cost
Progressive$2,987$248
State Farm$3,348$279
Travelers$3,765$313
Connecticut average$4,365$363
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Connecticut drivers with a DUI can expect to see their auto insurance rates increase by as much as 46%, with a possible driver’s license suspension. That is why it is essential to shop around to find a car insurance provider that offers the most affordable rates after a DUI offense. Our agents recommend Connecticut drivers with a drunk driving infraction take a defensive driving course to lower insurance premiums. 

Cheapest Car Insurance in Connecticut with Poor Credit

GEICO offers the cheapest auto insurance rates for Connecticut drivers who have a poor credit history. GEICO’s rates are $1,954 per year for our sample 30-year-old male driver or 39% less per year. 

Travelers and MetLife are two insurance companies with a less expensive option offering their best rates in the Constitution State, 31% lower than the state’s $3,176 average rates.

InsurerAnnual costMonthly cost
GEICO$1,954$162
Travelers$2,050$170
MetLife$2,211$184
Connecticut average$3,176$264
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Those who have a bad credit score in Connecticut may see that their insurance rates are higher than average. For most people, poor credit score insurance rates are 25% higher than those with good credit scores, according to the Insurance Information Institute (III.org)

Make sure to pay your bills, student loans, and credit cards on time to save money on Connecticut auto insurance premiums.  

Cheapest Car Insurance for Young Drivers in Connecticut

GEICO offers the cheapest car insurance rates for younger drivers in Connecticut with clean driving records, with an average premium of $4,971 per year for full coverage car insurance.

For less than average costs for minimum coverage, younger drivers should choose MetLife and GEICO, which offered our licensed agents a $2,368 and $2,465 per year quote or 20% less per year than Connecticut average rates. 

For young drivers state minimum coverage, State Farm offers cheaper than average insurance rates at $2,532 per year or 14% less expensive than other car insurance companies in Connecticut.

InsurerFull coverageMinimum coverage
USAA$4,365$1,754
GEICO$4,971$2,465
Nationwide$5,268$2,975
State Farm$5,370$2,532
MetLife$6,135$2,368
Amica$7,487$3,272
Progressive$9,329$3,753
Allstate$11,532$3,148
Travelers$12,538$4,528
Connecticut average$6,058$2,941
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*USAA is for qualified military members, their spouses, and direct family members. Rates may vary depending on driver profiles.

Young or teen Connecticut drivers needing coverage can save more by comparing insurance quotes like those shown above. Drivers who choose GEICO Insurance can save as much as 18% on their insurance premiums, which can be substantial savings for younger drivers and their parents.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

During our analysis of auto insurers with the best rates, our agents found teen drivers needing coverage in Connecticut with a speeding ticket on their driving record can get cheaper insurance rates with Nationwide at $5,268 per year or $439 monthly rate, which is 34% less expensive than Connecticut average rates. 

InsurerAnnual costMonthly cost
Nationwide$5,268$439
State Farm$5,663$471
GEICO$5,987$498
Connecticut average$7,989$665
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Cheapest Car Insurance for Young Drivers with an Auto Accident

Young Connecticut drivers with an at-fault accident on their driving record can find the cheapest full coverage insurance quotes with Nationwide, which provided us a quote at $5,765 per year or 45% lower than the average car insurance rates of a similar driver profile.

InsurerAnnual costMonthly cost
Nationwide$5,765$480
GEICO$6,632$552
State Farm$7,071$589
Connecticut average$10,437$869
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Best Car Insurance Companies in Connecticut

Several great insurance companies to choose from coverage in Connecticut based on their price, customer service and support, and coverage level.

ValuePenguin did a survey and found the overall best car insurance companies in Connecticut are USAA and Nationwide, with high marks from current policyholders for claims satisfaction. If you are not eligible for USAA, State Farm and Amica Insurance are the next best options based on customer service. 

Auto Insurer% respondents satisfied with recent claim% respondents rated customer service as excellent
USAA78%64%
Nationwide77%53%
Amica76%58%
State Farm75%46%
Allstate74%47%
Progressive73%34%
Geico64%42%
Travelers62%33%
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AutoInsureSavings.org team of licensed insurance agents compared complaints by each insurance company using the National Association of Insurance Commissioners complaint index.

Using the complaint index (best ratio of complaints to market share) from NAIC, the best car insurers are Allstate and Travelers. Both car insurance companies are below the national average of 1.00, with a 0.63 and 0.65 complaint index, respectfully. 

Car InsurerNAIC Complaint IndexJ.D. Power Claims SatisfactionA.M. Best Rating
Allstate0.63876A+
Travelers0.65861A++
State Farm0.66881A++
Progressive0.76856A+
Amica0.91907A+
LIberty Mutual0.92870A
The Hartford0.95888A+
GEICO1.01871A++
MetLife1.24886A
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Using J.D. Power’s claims satisfaction survey and the AM Best financial strength ratings, Amice Insurance, MetLife, and Allstate are the best insurance providers.  

Average Cost of Car Insurance by City in Connecticut

Auto insurers use your zip code and many risk factors like your credit score, marital status, vehicle type, and past driving history to determine your Connecticut car insurance costs. The average cost of insurance for Connecticut drivers is $2,387 per year or $198 per month. During our comparison shopping study, we found the cheapest insurers by city. 

Cheapest Car Insurance in Bridgeport, CT

Bridgeport, Connecticut drivers can shop around and find the cheapest insurance coverage from Travelers insurance company which provided our agents a $1,734 rate per year for a full coverage auto insurance policy. Travelers’ rate is 39% lower than average rates in Bridgeport.  

Bridgeport CompanyAverage Premium
Travelers$1,734
GEICO$1,850
MetLife$1,963
Bridgeport average$2,815
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Cheapest Car Insurance in New Haven, CT

Drivers in New Haven, CT, with clean driving history, can find the least expensive insurance rate with GEICO at $1,727 per year for full coverage for our sample 30-year-old driver, 37% below average rates in New Haven, Connecticut.  

New Haven CompanyAverage Premium
GEICO$1,727
State Farm$1,874
Liberty Mutual$2,166
New Haven average$2,719
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Cheapest Car Insurance in Stamford, CT

We found the cheapest auto insurance quotes in Stamford, CT, from GEICO, with a $1,888 quote per year for full coverage with $500 deductibles of collision and comprehensive coverage. GEICO’s rate is 33% cheaper than average rates in Stamford.   

Stamford CompanyAverage Premium
GEICO$1,888
Travelers$1,971
Nationwide$2,253
Stamford average$2,784
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Cheapest Car Insurance in Hartford, CT

For Hartford’s cheapest auto insurance rates, our agents recommend Travelers with a quote at $1,712 per year for our sample 30-year-old driver. Travelers’ rate is 38% cheaper than Hartford CT’s average rates.

Hartford CompanyAverage Premium
Travelers$1,712
GEICO$1,840
State Farm$2,035
Hartford average$2,726
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Cheapest Car Insurance in Waterbury, CT

Waterbury, Connecticut drivers with clean driving records can get the cheapest auto insurance coverage with Travelers, which provided our agents a quote at $1,691 per year for our 30-year-old sample driver with a full coverage auto policy. 

Waterbury CompanyAverage Premium
Travelers$1,691
Nationwide$1,809
GEICO$1,874
Waterbury average$2,435
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Cheapest Auto Insurance in New Britain, CT

New Britain residents needing the cheapest auto coverage for their car should get quotes from GEICO, who provided our insurance agents a rate at $1,530 per year or 33% lower than average rates in New Britain.  

New Britain CompanyAverage Premium
GEICO$1,530
MetLife$1,678
Nationwide$1,771
New Britain average$2,264
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Cheapest Car Insurance in West Hartford, CT

West Hartford’s cheapest auto insurance is with Travelers, who provided us a quote at $1,703 per year for a 30-year-old driver with full coverage. Travelers’ rate is 37% less expensive than the average West Hartford rate.

West Hartford CompanyAverage Premium
Travelers$1,703
GEICO$1,830
State Farm$2,006
West Hartford average$2,683
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Average Auto Insurance Costs for All Cities in Connecticut

CityAnnual premium costCityAnnual premium cost
Bridgeport$2,815Windsor Locks$2,043
New Haven$2,719Derby$2,168
Stamford$2,784Coventry$2,095
Hartford$2,726Stafford Springs$2,074
Waterbury$2,435Plymouth$2,061
Norwalk$2,510Griswold$2,285
Danbury$2,346East Windsor$2,208
New Britain$2,264Granby$2,172
West Hartford$2,683Somers$2,043
Greenwich$2,116Winchester$2,177
Fairfield$2,043Canton$2,195
Hamden$2,128Weston$2,116
Bristol$2,428Old Saybrook$2,074
Meriden$2,061Prospect$2,160
Manchester$2,095Burlington$2,186
West Haven$2,074Woodbury$2,206
Milford$2,128Hebron$2,074
Stratford$2,160Putnam$2,223
East Hartford$2,186Thompson$2,225
Middletown$2,206Portland$2,186
Wallingford$2,074Redding$2,160
Enfield$2,223East Haddam$2,128
Southington$2,225Woodbridge$2,043
Shelton$2,229Brooklyn$2,061
Norwich$2,074Haddam$2,095
Groton$2,160Litchfield$2,231
Trumbull$2,225Woodstock$2,160
Glastonbury$2,074Middlebury$2,186
Torrington$2,116Thomaston$2,206
Naugatuck$2,186Easton$2,074
Newington$2,128Old Lyme$2,223
Vernon$2,043Durham$2,206
Cheshire$2,160Lebanon$2,160
Windsor$2,061Westbrook$2,043
East Haven$2,186New Hartford$2,116
Branford$2,095Essex$2,225
Westport$2,074Killingworth$2,128
Newtown$2,118Marlborough$2,223
New Milford$2,128Beacon Falls$2,043
New London$2,160Willington$2,231
Wethersfield$2,043Bethany$2,074
South Windsor$2,186Harwinton$2,095
Mansfield Center$2,223Columbia$2,200
Farmington$2,206East Granby$2,116
Ridgefield$2,095North Stonington$2,160
Simsbury$2,242Canterbury$2,061
North Windham$2,223Bolton$2,186
North Haven$2,043Preston$2,206
Guilford$2,074Deep River$2,128
Watertown$2,186Middlefield$2,225
Darien$2,061Lisbon$2,223
Bloomfield$2,160Ashford$2,043
Berlin$2,116Chester$2,095
New Canaan$2,244Pomfret$2,074
Rocky Hill$2,128Salem$2,061
Southbury$2,206Sterling$2,186
Bethel$2,223Barkhamsted$2,116
Monroe$2,095Sherman$2,225
Waterford$2,043Salisbury$2,128
Montville$2,074Washington$2,206
Ansonia$2,061Bethlehem$2,248
East Lyme$2,128North Canaan$2,160
Wilton$2,116Andover$2,043
Stonington$2,160Sprague$2,223
Avon$2,095Goshen$2,074
Madison$2,074Kent$2,061
Plainville$2,206Sharon$2,225
Killingly$2,128Bozrah$2,116
Brookfield$2,217Voluntown$2,186
Wolcott$2,043Lyme$2,169
Seymour$2,186Chaplin$2,074
Ellington$2,128Morris$2,043
Colchester$2,116Roxbury$2,206
Suffield$2,160Hartland$2,211
Plainfield$2,061Hampton$2,095
Ledyard$2,074Franklin$2,186
Tolland$2,206Bridgewater$2,128
North Branford$2,007Eastford$2,116
New Fairfield$2,217Norfolk$2,188
Orange$2,043Scotland$2,074
Cromwell$2,182Colebrook$2,160
Oxford$2,116Warren$2,061
Clinton$2,095Cornwall$2,130
East Hampton$2,060Canaan$2,043
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Minimum Requirements for Connecticut Car Insurance

Connecticut drivers must have a minimum amount of liability insurance requirements in their insurance policies to follow state laws and financial responsibility.

Along with standard liability coverage, drivers in Connecticut need uninsured motorist coverage, which covers you in the event of an auto accident with an uninsured motorist.

Below are the minimum coverage limits. 

Liability insuranceMinimum requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured / underinsured motorist coverage $25,000 per person / $50,000 per accident
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AutoInsureSavings.org licensed agents recommend getting higher liability limits of bodily injury liability and property damage liability coverage to cover your assets in the event of an accident. 

Our agents recommend most Connecticut drivers carry full coverage with comprehensive and collision coverage and roadside assistance to protect their vehicle in an unforeseen car accident.

Frequently Asked Questions

Who has the Cheapest Auto Insurance in Connecticut?

Travelers Insurance for minimum coverage. Travelers offer some of the best insurance industry rates, with a $616 per year rate for a 30-year-old driver in Connecticut. State Farm at $649 per year and MetLife at $714 per year are two other insurers offering the best rates for drivers needing minimum coverage in Connecticut. The average cost of Connecticut auto insurance is $1,098 per year for state minimum coverage. 

Because insurance rates are based on various factors such as vehicle type and credit score, it is best to compare multiple providers’ rates to determine who has the cheapest coverage in Connecticut for you.

How Much is Car Insurance in Connecticut per Month?

The average rate for Connecticut auto insurance is $198 per month for a driver who is 30 years old and has full coverage. That is $2,387 per year. Here are some totals for the average monthly car insurance rate for drivers in Connecticut: State Farm: $126 per month, MetLife: $138 per month, and GEICO: $165 per month.

How Much Is Full Coverage Car Insurance in Connecticut?

The average cost of full coverage car insurance in Connecticut is $2,387 per year or $198 per month. State Farm’s best rate for full coverage is $1,517 per year or $126 per month for a 30-year-old male driver with a good driving record. MetLife’s rate is $1,664 per year, and GEICO’s rate is $1,983 per year, and both are below the state average rates. 

How do I Save on Auto Insurance in Connecticut?

There are several things drivers in Connecticut can do to save money on their car insurance costs. We suggest asking your insurance agent about any car insurance discounts you may be eligible for. If you are looking for a new provider, it is best to find one that offers a driving discount to help you save even more. Find out if you are eligible for telematics or usage-based insurance, such as Travelers’ IntelliDrive program, where you could save as much as 30% on your auto insurance premium at renewal. 

The car you drive also plays a significant role in your rates, plus driving history and credit rating. Therefore, practicing safe driving habits, maintain good driving records, and keeping a close eye on your credit cards and credit report can lower your car insurance rates.

To help you find the right and affordable car insurance options in Connecticut, contact the insurance experts at AutoInsureSavings.org. The best way is to get started and enter your zip code. Our licensed professionals and expert advice will help you find the best answer to any questions you have.

Methodology

AutoInsureSavings.org collects hundreds of quotes in Connecticut across various zip codes from the largest insurance companies via Quadrant Information Services. Our sample driver profile is a 30-year-old driving a 2018 Honda Accord with good credit. We used a full coverage car insurance policy unless otherwise stated with the following coverage limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Personal injury protection$10,000
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
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When AutoInsureSavings.org quotes a driver with a minimum coverage auto policy, we used the minimum liability limits per Connecticut insurance regulations. We used credit score, marital status, driving history, and accident history for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your rates may vary when you get quotes.

Sources

– Insurance Information Institute. “Facts + Statistics: Auto insurance.”
– National Highway Traffic Safety Administration. “Fatality Analysis Reporting Center Data.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– State of Connecticut Insurance Department. “General Insurance Information.”
– State of Connecticut Department of Motor Vehicles. “Insurance Compliance & Frequently Asked Questions.”
– Connecticut DMV. “Connecticut’s Drunk Driving Law.”