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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Car insurance premiums in Connecticut are enough to make any driver wince. Compare the state’s average of $289 per month to the national average of $151, and you’ll see why drivers are taking a closer look at their coverage options.
Packed interstates during rush hour (hello, I-95!) and a concerning 33% increase in vehicle thefts from 2022 to 2023[1] means you need solid coverage. The good news is that several insurers offer cheap car insurance in Connecticut. State Farm has the lowest average rates for many drivers, at just $57 per month, according to our data.
Let’s look at how to get the best deal.
State Farm, GEICO, and USAA offer the most budget-friendly rates for Connecticut drivers.
Drivers in busy coastal cities like Bridgeport and Stamford typically face higher rates than in quieter inland areas.
The state recommends choosing coverage limits above the 25/50/25 minimum requirements for better protection.[2]
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While Connecticut’s average rates might raise eyebrows, some of the best insurance companies offer bright spots in the market. We’ve analyzed thousands of quotes to sniff out the most budget-friendly options in the state.
Below, you’ll find our breakdown comparing car insurance rates from Connecticut’s most affordable companies, according to Compare.com data.
Company ▲ ▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $57 |
| GEICO | $70 |
| USAA | $78 |
| Progressive | $108 |
| CSAA | $109 |
| Travelers | $115 |
| Nationwide | $126 |
| Allstate | $133 |
| Root | $164 |
| Foremost | $209 |
| Direct Auto | $239 |
| Bristol West | $250 |
| National General | $276 |
| Amica | $281 |
State Farm tops the list with a low monthly average rate of $57.
Now, let’s see how different factors affect your car insurance rates. We break it down and explore how to save money on auto insurance in the sections below.
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The companies above are a good starting point, but the perfect match for Connecticut’s 2.6 million drivers[3] depends on your age, your driving record, and whether you’re cruising along the shoreline or in a Hartford suburb.
Check out how different insurers stack up for various driver types and coverage needs, according to Compare.com data.
Driver/Coverage Type ▲▼ | Cheapest Insurer ▲▼ | Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|
| State-minimum coverage | State Farm | $57 |
| Full coverage | State Farm | $89 |
| Teens | State Farm | $104 |
| Seniors | State Farm | $42 |
| Drivers with a speeding ticket | State Farm | $73 |
| Drivers with an at-fault accident | State Farm | $75 |
| Drivers with a DUI | State Farm | $92 |
| Drivers with excellent credit | State Farm | $52 |
| Drivers with poor credit | State Farm | $79 |
We’re not done yet — keep scrolling to discover exactly how to snag the best rates for your specific situation.
The average Connecticut driver pays around $223 per month for bare-minimum coverage, according to Compare.com data. But experts recommend upping your protection. Here’s why: while state-minimum coverage gets you on the road legally, it might not be enough if you’re in a serious crash on Route 8 or Merritt Parkway.
Below, you’ll find the five most affordable options for a basic policy in Connecticut, according to Compare.com data.
At just $57 per month, State Farm is the cheapest car insurance option to meet Connecticut’s legal requirements. But remember, picking the right coverage is just as important as finding the right price.
Full coverage is your best bet if you’re financing your car (or just want solid protection). It goes beyond basic liability coverage to add collision insurance for accidents and comprehensive insurance for things like fallen trees during those nor’easters.
The average full-coverage policy costs around $355 per month across Connecticut. We’ve rounded up the five insurers offering the best full-coverage rates, according to Compare.com data.
State Farm leads the way, at $89 per month — proof that quality coverage doesn’t have to leave your finances gasping for air.
Getting your first license is exciting — until you see the insurance rates. Young drivers pay some of the steepest premiums of all age groups because they’re still learning the ropes and are more likely to get into fender benders.
Connecticut has around 95,000 teen drivers, and the average monthly rate for these drivers is $528. But we found that you can find cheaper coverage with the five insurance companies in the chart below.
State Farm offers the best value for teens, with an average premium of $104 per month.
Experience pays off — literally — when it comes to car insurance. Years of navigating Connecticut’s roads, from the back streets of Mystic to rush hour on the Wilbur Cross, have earned senior drivers some of the most competitive rates around.
Seniors in Connecticut pay an average monthly rate of $223, according to Compare.com data. But the five companies below offer even cheaper rates for Connecticut seniors.
State Farm rewards seasoned drivers with an average price of $42 per month, making their decades of driving expertise really count.
A lead foot on I-84 — or any local road — can get expensive. Our research shows that a single speeding ticket drives up insurance rates by an average of 29% nationwide. Drivers with a recent ticket in the Constitution State shell out an average of $403 per month for coverage.
But there’s still hope. Here are five insurance companies that won’t hit the brakes on affordable rates if you have a recent speeding ticket, according to Compare.com data.
State Farm stands out with the lowest rate, at $73 per month for drivers with a recent ticket.
If you cause a fender bender on that tricky merge where I-91 meets the Mixmaster, you’re in for a surprise. A single at-fault accident typically spikes insurance costs by 33% nationwide, according to our data.
Connecticut drivers with a recent accident pay an average of $402 per month for coverage. Some insurers are more forgiving than others.
We’ve identified five companies that keep rates reasonable after an accident.
State Farm tops our list for the cheapest car insurance premium after an at-accident in Connecticut, with an average monthly premium of $75.
A DUI can hit you hard. Besides the legal consequences, data shows that insurance rates soar by 61% nationwide after a conviction, according to our research.
Connecticut drivers staring down a DUI see an average price tag of $460 per month. Though rates can climb, the five insurance companies below offer more manageable rates after a DUI.
State Farm has the most affordable coverage, with monthly premiums averaging $92 — making it easier to maintain the coverage you need while rebuilding your record.
Credit struggles shouldn’t mean sky-high insurance rates — unfortunately, the numbers tell a different story. Our data shows that drivers with poor credit pay 42% more nationally than people with excellent credit.
The average cost of car insurance for a Connecticut driver with poor credit is $365 per month. But some insurers weigh credit histories differently than others.
Here are the five cheapest options for car insurance in Connecticut if you have less-than-ideal credit, according to our research.
If your credit history is standing between you and better rates, check out State Farm. It has the lowest monthly premium of $79 on average.
Car insurance premiums vary from one city to the next. If you live in or around Meriden, you might pay more because the area has higher vehicle theft rates.[4] But for drivers in Granby, rates might be lower, thanks to fewer traffic stops.[5]
The table below shows the cheapest insurers for a few of Connecticut’s major cities, according to Compare.com data.
City ▲▼ | Cheapest Insurer ▲▼ | Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|
| Bridgeport | State Farm | $72 |
| New Haven | State Farm | $77 |
| Stamford | State Farm | $57 |
| Hartford | State Farm | $77 |
| Waterbury | State Farm | $66 |
While State Farm has the lowest rates in Bridgeport (Connecticut’s largest city), at $72 per month, it may not be your city’s cheapest option. That’s why shopping around to compare quotes matters so much.
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Before you hit the road in Connecticut, you’ll need insurance — it’s the law. The state requires every driver to have liability coverage. This coverage protects other drivers in an accident you cause.
Here’s what Connecticut requires at a minimum:
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)
You’ll find more information about car insurance requirements on the Connecticut Insurance Department website.
Think of Connecticut state minimums as the basics — like bringing a light jacket when winter is right around the corner. Most insurance experts and even the Connecticut Insurance Department suggest boosting your coverage above these limits for more protection. And if you’re financing or leasing your car, your lender will likely require comprehensive and collision coverage.
If you’re looking for more information on how auto insurance works in Connecticut, check out the answers below.
State Farm typically has the cheapest car insurance in Connecticut, with average rates coming in at $57 per month, according to Compare.com data.
Connecticut drivers spend about $289 per month for car insurance, according to our analysis. If you’re going bare-bones with liability-only insurance, expect to pay around $223 per month. Full coverage usually runs about $355 per month.
State Farm offers Connecticut’s cheapest full-coverage car insurance, with average rates of $89 per month. Full coverage generally comes with comprehensive and collision coverage along with your liability protection.
To drive legally in Connecticut, you must have liability coverage of $25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage. You’ll also need uninsured/underinsured motorist coverage with limits that match your bodily injury liability protection.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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AAA auto insurance policies often have higher average rates than many competitors, but it does have solid discounts and membership benefits.
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