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Least Expensive Auto Insurance in Connecticut & Minimum Coverage, plus the Best Carriers by Age & City

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, and fireman, etc., a company you should look into is California Casualty.

The membership costs may outweigh the lower overall premium. 

Other carriers you should put on your list to get quotes are Liberty Mutual, 21st Century, and State Farm.

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

In this article, I am going to cover the least expensive auto insurance companies by age and location in Connecticut, the minimum requirements to drive, and a few cost-savings 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. 

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

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 cheapest car insurance 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 I queried 24 of the cheapest 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 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
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 of the insurance carriers in the illustration. Quotes clustered between $907 and $999 per year for full coverage.

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 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 of the companies to find a policy with optimum coverage and additional savings.

Therefore, it is a good idea to get uninsured motorist protection if you are reside 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 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 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
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 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 “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 in Connecticut please read further below.

CityAvg RatePopulationPercentage Change Vs. State Avg.CityAvg RatePopulationPercentage Change Vs. State Avg.CityAvg RatePopulationPercentage Change Vs. State Avg.
Bolton$1,1164,986-12%Milldale$1,20943,069-10%Tolland$1,38715,052-4%
Bozrah$1,1222,627-12%Naugatuck $1,30731,392-7%Torrington$1,39936,383-0%
Canaan$1,1561,101-13%New Fairfield$1,33614,017-5%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%
Hamden$1,37860,960-5%Norwich$1,41140,493-2%Windsor$1,35829,044-2%
Meriden$1,42159,653-2%Shelton$1,38739,559-4%Winsted$1,4287,321-2%

New Haven, CT

Affordable insurance carriers in New Haven, CT

Finding an affordable premium in New Haven, Connecticut 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 I was 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
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.

In my study, I found three insurance carriers for less than $1,200 and a few under $1,300.

My cheapest picks are Progressive, Amica, and GEICO.

Nationwide and Liberty Mutual certainly should be considered too.

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

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.

Stamford, CT

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 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 a 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

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.

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 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

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. 

Stratford, CTStratford, 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
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

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 five marinas, several fishing piers and two public boat-launching facilities.

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 comparing 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

Waterbury is a really neat city clustered with 25 neighborhoods. 

Clusters of shops at the street corners created villages within the city.

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

Essex is home to the “100 Best Small Towns in America”.

The city attracts thousands of tourists and visitors throughout the year.  

Bristol, CT

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

As illustrated, the cheapest car insurance companies for drivers in Bristol 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.

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

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

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. 

Danbury, CT

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.

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

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.

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 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

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.

Milford

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.

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

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. 

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

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.

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

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.

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/

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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