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Connecticut Cheapest Car Insurance & Best Car Insurance Coverage

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Updated January 7th, 2021

For drivers with decent driving history, the overall cheapest auto insurance companies in Connecticut are Amica, Progressive, and Nationwide.

Depending on your location, each carrier can offer quotes from 16 to over 25% cheaper than the median rate for similar profile drivers.

For military or former military, your best price is probably going to found with USAA.

For teachers, law enforcement, fireman, etc., a company you should look into is California Casualty.

The membership costs may outweigh the lower premium. 

It will help if you put other carriers on your list to get quotes: Liberty Mutual, 21st Century, and State Farm.

All three insurers can offer quotes from 12 to 20% lower than the median rate for similar age and profile drivers. 

In this article, I will cover the least expensive auto insurance companies by age and location in Connecticut, the minimum requirements to drive, and a few cost-saving tips to help you lower your monthly premium.

If you would like to skip to a certain portion of the article, there is a table of contents down a little and to the right. 

Affordable insurance rates for 25 year old driver in CTNote: A 25-year-old driver in Connecticut can find cheap auto insurance with GEICO, Amica, and Progressive. This driver had one driving violation in the last three years and with decent credit. For a more detailed comparison, please see the table below.

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.

The numbers mean that the insurance firm will pay up to the amount (in thousands) before the at-fault driver’s coverage will be responsible for paying.

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 a single person’s hospital costs, with up to $40,000 for all people in the automobile.

Cheapest rates for 30 year old driver in CTNote: Again, the cheapest car insurance quotes in Connecticut 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 the table below.

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 of buildings, signs, and the other driver’s automobile, the insurance firm will cover up to $10,000 if you get minimum coverage.

Though these are the minimums, Connecticut’s state advises that all residents purchase more than the minimum coverage as damages will go well beyond the minimum amount if you are in a serious accident.Inexpensive car insurance for a 35 year old driver. Note: A 35-year-old driver in Connecticut will find the five insurance carriers’ cheapest rates illustrated above. The 35-year old has good credit, minimal traffic violations, not married, and drives a 2014 Honda Accord. For a more detailed comparison, please see the table below.

Cheapest Auto Insurance Companies in Connecticut

In the table below, I queried 24 of the cheapest car insurance companies in the state of Connecticut.

I 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, you should get quotes from these three companies.

Typically, if you drive with good driving history, the top companies will probably be the best option for you.

If you have different or specialized needs, 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.

There is a price variance of 50% or more among all the companies, 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
GEICO$1,355$1,108$995$912$822$793
USAA$1,367$1,122$1,021$921$843$794
Amica$1,388$1,145$1,034$922$844$798
Progressive$1,389$1,167$1,044$943$856$799
Nationwide$1,425$1,188$1,086$987$867$804
Cal Casualty$1,487$1,190$1,094$999$899$809
21st Century$1,509$1,211$1,099$1,007$902$810
Unitrin$1,564$1,288$1,087$1,009$927$812
MetLife $1,587$1,244$1,088$1,010$988$813
Encompass$1,599$1,289$1,100$1,010$989$832
Victoria$1,600$1,312$1,110$1,010$990$876
Allstate$1,622$1,467$1,111$1,010$993$890
Electric$1,675$1,487$1,165$1,020$998$890
State Farm$1,743$1,510$1,231$1,021$999$899
Farmers$1,865$1,511$1,211$1,025$1,000$900
Safeco$1,897$1,521$1,343$1,076$1,001$903
Liberty Mutual$1,907$1,564$1,347$1,086$1,002$903
Hanover$2,005$1,590$1,368$1,090$1,006$903
Ameriprise$2,234$1,687$1,390$1,099$1,006$903
Foremost$2,276$1,832$1,390$1,110$1,007$900
Erie$2,487$1,920$1,411$1,112$1,009$903
Middlesex$2,590$1,980$1,438$1,187$1,009$899
Travelers$2,687$2,007$1,487$1,167$1,023$899
Esurance$2,699$1,986$1,485$1,166$1,044$876

Best insurance companies for a 40 year old driving in CTNote: As illustrated, a 40-year-old driver could find cheaper insurance quotes with any illustration insurance carriers. Quotes clustered between $907 and $999 per year for full coverage for a driver in Connecticut.

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.

Today, many drivers are not insured, and Connecticut is a small state located near densely populated areas with many uninsured motorists.

Best insurance companies for a 45 year old driving in CTNote: 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 companies to find a policy with optimum coverage and additional savings.

Therefore, it is a good idea to get uninsured motorist protection if you reside in Connecticut.

Uninsured motorist protection will pay for damages to the insured’s automobile and cover hospital costs if 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 number of complaints.

Included is the amount of written premiums.

Typically, the higher amount of written premiums for insurers, the more complaints.

Nothing in the 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 number of claims, and not let your coverage lapse.

The insurer ratings are taken from AM Best, JD Power & Associates,  & Insurance Information Institute (III.org).

Consumer rating data is compiled from reputable online sources to get an average. 

The list of carriers below is from the least to the most amount of complaints.

The carriers all have the good financial strength and would be able to pay out a claim.

Connecticut CompanyWritten Premiums Rate Change Avg Rating out of 5 Stars# of Complaints
QBE$11,585,179 +4.5%2.91
Great Northern $21,767,845+4.7%3.21
Kemper$24,459,018+4.3%4.11
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
Hanover$45,255,598+4.0%3.92
Amica$100,860,211+3.9%4.53
Esurance$25,633,807+3.7%4.34
Plymouth Rock$22,906,946+4.3%4.24
State Farm$136,602,831+3.7%4.55
Foremost$15,661,722+3.5%4.15
Erie$14,587,179+3.6%4.15
Nationwide$145,021,307+4.0%4.57
Travelers$184,353,835+3.9%4.27
Progressive$240,385,770+3.6%4.511
Safeco$130,270,662+3.4%4.011
MetLife $104,777,455+3.6%4.412
USAA$103,549,831+3.2%4.813
Liberty Mutual$207,051,836 +3.3%3.917
Allstate$287,638,673+3.2%4.619
GEICO$416,237,784+3.2%4.621

Low cost insurance rates for a 55 year old driverNote: If you are an 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 Connecticut with the average premium price plus the state average per quote.

When I queried for quotes for each city, 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 than 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 “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 detailed coverage of populous cities in Connecticut, please read further below.

CityAvg RateCityAvg RateCityPopulation
Bolton$1,116Milldale$1,209Tolland15,052
Brookfield$1,122Naugatuck $1,307Torrington36,383
Canaan$1,156New Fairfield$1,336Wallingford36,018
Danbury$1,009New Hartford$1,311Watertown22,514
Derby$1,321New London$1,290Weatogue2,776
Groton$1,344Norwalk$1,451Wethersfield52,721
Harwinton$1,378Norwich$1,411Windsor29,044
Meriden$1,421Shelton$1,387Winsted7,321

New Haven, CT

Affordable insurance carriers in New Haven, CT

Finding an affordable premium in New Haven, Connecticut, is a top priority for many residents since the average rates vary from $1,400 to $2,300 per year.

The least expensive auto insurance is with Liberty Mutual, USAA, and Amica.

I queried each at $1,233, $1,378, $1,455 respectfully per year for a 30-year-old driver.

Which is 21 to 27% lower than the average premium for drivers in New Haven.

A 45-year old can find inexpensive quotes with Liberty Mutual, USAA, and Amica.

I queried each at $978, $1,032, and $1,069 respectfully per year for full coverage.

Or nearly 25% lower than the median quote for similar age drivers. 

New Haven Company30 Y/O Driver45 Y/O Driver
GEICO$1,211$965
Liberty Mutual$1,233$978
USAA$1,378$1,032
Amica$1,445$1,069
Progressive$1,467$1,090
Nationwide$1,490$1,127
State Farm$1,510$1,256

Hartford, CT

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.

To get the cheapest quotes to start with Progressive, Amica, and Nationwide.

I queried each at $1,120, $1,143, and $1,231 respectfully per year for a 30-year-old driver. 

Which is 20 to 25% lower than the median quote for similar profile drivers in Hartford. 

Hartford Company30 Y/O Driver45 Y/O Driver
Progressive$1,111$890
Amica$1,143$943
GEICO$1,187$969
Nationwide$1,231$979
Liberty Mutual$1,244$1,043
State Farm$1,278$1,141
California Casualty$1,310$1,144

Stamford, CT

Stamford, CT least expensive policy choices for drivers.Stamford, Connecticut residents have an opportunity to save on a yearly premium.

Progressive, State Farm, and Amica were the cheapest auto insurance carriers I 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 clean driving history, any of the top five illustrated should help you find substantial savings.

Stamford Company30 Y/O Driver45 Y/O Driver
Progressive$1,008$799
State Farm$1,054$804
Amica$1,089$809
GEICO$1,122$869
Nationwide$1,167$936
Liberty Mutual$1,201$944
California Casualty$1,233$987

Bridgeport, CT

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, I was able to find rates less than $1,000 per year with full coverage.

That is more than 15% lower than the 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
GEICO$911$768
Progressive$943$790
Nationwide$942$854
State Farm$968$878
Amica$1,007$889
Liberty Mutual$1,054$932
California Casualty$1,098$996

Stratford, CT

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 is more than 28% below the average rate of $2,000 per year.

Any driver with a good driving record should 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
Progressive$1,089$877
State Farm$1,114$889
Amica$1,156$899
GEICO$1,189$916
Nationwide$1,205$927
Liberty Mutual$1,222$967
California Casualty$1,287$989

Waterbury, CT

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 comparison, you could find savings of 30% or more.

My cheapest 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
Progressive$988$888
GEICO$1,008$905
State Farm$1,043$899
Amica$1,098$907
Nationwide$1,132$922
Liberty Mutual$1,144$954
California Casualty$1,187$990

Essex, CT

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
Progressive$877$786
GEICO$889$789
Nationwide$921$799
State Farm$922$804
Amica$965$843
Liberty Mutual$986$865
California Casualty$1,008$867
 

Bristol, CT

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

As illustrated, the cheapest car insurance companies for Bristol drivers are Progressive, GEICO, and Nationwide.

Averaging $920 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.

Bristol Company30 Y/O Driver45 Y/O Driver
Progressive$892$714
GEICO$976$722
Nationwide$988$756
State Farm$1,008$789
Amica$1,032$849
Liberty Mutual$1,066$889
California Casualty$1,089$891

Norwalk, CT

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.

Norwalk Company30 Y/O Driver45 Y/O Driver
Progressive$944$711
Amica$980$765
Liberty Mutual$1,022$825
GEICO$1,055$879
Nationwide$1,165$900
State Farm$1,278$924
California Casualty$1,387$965

Danbury, CT

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

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

If you want to get cheap auto insurance, 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.

Danbury Company30 Y/O Driver45 Y/O Driver
Progressive$855$670
Liberty Mutual$879$701
Amica$912$699
GEICO$956$737
Nationwide$1,045$789
State Farm$1,132$801
California Casualty$1,170$811

New Britain, CT

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 they 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.

New Britain Company30 Y/O Driver45 Y/O Driver
Amica$987$714
Progressive$1,043$743
Liberty Mutual$1,087$768
GEICO$1,122$809
Nationwide$1,154$832
State Farm$1,210$854
California Casualty$1,245$887

Milford

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

If you aren’t getting the least expensive premium in Milford, you 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.

Milford Company30 Y/O Driver45 Y/O Driver
Progressive$970$702
Amica$1,043$715
GEICO$1,080$776
Liberty Mutual$1,125$806
Nationwide$1,165$845
State Farm$1,203$887
California Casualty$1,256$906
 

Middletown

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.

Middletown Company30 Y/O Driver45 Y/O Driver
Progressive$1,008$754
Liberty Mutual$1,055$780
Amica$1,180$823
GEICO$1,206$845
Nationwide$1,243$867
State Farm$1,276$903
California Casualty$1,321$926

Southington

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.

Southington Company30 Y/O Driver45 Y/O Driver
Progressive$967$698
Amica$1,032$699
GEICO$1,043$704
Liberty Mutual$1,080$716
Nationwide$1,124$780
State Farm$1,178$827
California Casualty$1,243$896

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
WebsiteWebsiteWebsite

Sources

https://www.iii.org/publications/a-firm-foundation-how-insurance-supports-the-economy/state-fact-sheets/connecticut-firm-foundation

https://www.usa.gov/state-consumer/connecticut

https://www.amica.com/

https://www.calcas.com/

Shaun Fyffe

Shaun Fyffe

Shaun is an auto insurance expert with ten years of experience as a researcher and content writer. He's fluent in Spanish, teaching it plus AP computer science at Nyack Public Schools in New York. He has a B.A. in Spanish, B.S. in computer science from Florida State University, and an M.A. from SUNY New Paltz. He also is the lead editor for AutoInsureSavings.org.

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