Best & Cheapest Car Insurance in Connecticut as Rated by Customers in 2022

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#1
/43
USAA
4.72 ★★★★★
4.72 ★★★★★
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#2
/43
4.68 ★★★★★
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#3
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4.55 ★★★★★
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Driving in Connecticut is complicated enough without bringing the cost of coverage into the mix. You might have to deal with the elements, heavy city traffic, and many other challenges. If you're in an accident, the last thing you need is coverage issues. Some drivers feel stuck paying expensive auto insurance rates just to get legal proof of insurance.

The good news is that with increasing competition among insurers, many insured drivers can have it all. You can get cheap car insurance from a provider that will cover accidents you're in, and who will also provide great customer service. Should you boast a clean driving record, you'll find this even easier. If you're dissatisfied with your current company, the first step is getting auto insurance quotes with other companies.

Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Connecticut. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Connecticut car insurance companies.

In the table above, you can sort through all the Connecticut car insurance companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Connecticut car insurance rankings.

Interested in learning more about one of these Connecticut car insurance companies? You can visit the company's profile page to find out what additional coverage options they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Connecticut?

That depends on who you're talking about. If you have a teen driver in your family, their policy service options are going to be different depending on what companies you look at. This means you're going to have to look at sample rates from not just one insurer, but many. However, keep in mind that if your teen is new to having a license, and they're still in school, they may be able to get a discount that some providers offer to students.

If you're looking for coverage for teen drivers, State Farm's average car insurance rates are the cheapest in Connecticut among the five largest auto insurers in the state by market share.

Company Female teen ratesMale teen rates
Allstate Insurance $3,175 $4,018
Geico $2,051 $2,115
Progressive $4,941 $5,524
Safeco Insurance $5,293 $5,981
State Farm Insurance Company $1,695 $1,980

These rates are based on profiles for 18-year-old male and female drivers in Alabama. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Connecticut?

GEICO's average car insurance rates of $1,678 slightly edges Allstate's $1,692 for the cheapest average premiums for married couples in Connecticut. This doesn't necessarily account for bundling and other discounts some married couples take advantage of. It does describe an 'average' married couple in their 30s driving midrange cars with minimal accidents or tickets.

Company Married couple rates
Allstate Insurance $1,692
Geico $1,678
Progressive $3,197
Safeco Insurance $2,110
State Farm Insurance Company $2,041

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Connecticut?

State Farm offers the cheapest average car insurance rates to senior drivers in Connecticut. If you've ever wondered why senior drivers are given cheaper auto policies, it can largely be accredited to the fact that they've been on the road much longer than a teen driver, and so they have plenty of experience. Plus, they'll have the knowledge and expertise to find a more personalized rate for themselves.

The table below shows the average rates for male and female senior drivers for the five largest auto insurers in Connecticut.

Company Female senior ratesMale senior rates
Allstate Insurance $1,696 $1,803
Geico $1,181 $1,158
Progressive $1,646 $1,789
Safeco Insurance $1,126 $1,403
State Farm Insurance Company $1,047 $1,047

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.

How important is location for cheap car insurance rates?

In addition to your age and marital status, car insurance rates in Connecticut vary based on the area in the state you live in. Your annual rate could be based not only on your ZIP code, but which part of the city you're in.

On average, car insurance is the cheapest in the area of Groton. In the table below, you can see the top ten cheapest areas in Connecticut for car insurance based on average rates for single adults.

Area Car insurance rates
Groton $1,277
Mystic $1,284
East Lyme $1,300
Niantic $1,300
Old Lyme $1,308
Quaker Hill $1,313
Waterford $1,313
Scotland $1,315
Ledyard $1,317
Canterbury $1,317

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.

Where do people pay the most on an auto insurance quote in Connecticut?

Out of all areas in Connecticut, Hartford is the most expensive area for car insurance. Different areas in Connecticut have different car insurance rates based on factors, such as car accidents or the crime rate in that particular area.

The table below displays the top ten most expensive areas in Connecticut for car insurance based on average rates for a single adult.

Area Car insurance rates
Hartford $2,067
Bridgeport $2,023
New Haven $2,015
Waterbury $1,856
East Haven $1,851
West Haven $1,829
Hamden $1,790
Milldale $1,701
North Haven $1,672
Branford $1,662

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.

What's the minimum coverage insurance for drivers in Connecticut?

Just as there is usually a limit to what your policy will cover, sometimes there can also be a minimum requirement as well. Connecticut drivers are required to have two types of car insurance coverage: liability and uninsured/underinsured motorist coverage for bodily injury. These types of coverage protect drivers from costs associated with injuries to other drivers, as well as injuries sustained in an accident caused by a driver without insurance or not enough insurance.

The state has minimum limits for these coverage levels, listed below, but drivers should strongly consider purchasing higher limits. This will ensure that you are covered in a serious crash, even if this means you don't get to pay the lowest rates.

Minimum car insurance is mostly meant to cover your liability should you cause an auto accident. The cheapest monthly premiums are not always the overall cheapest, when you consider the cost of an auto accident. When you're checking out affordable rates, bear in mind that you're going to need a specific amount of protection that you should work into your budget.

In addition to these required coverages, Connecticut drivers should consider purchasing optional coverages. Collision and comprehensive are the two most common insurance types that aren't technically required. You can read more about them here. While these aren't required by the state, drivers whose cars are under a loan or lease agreement may have to purchase both coverages to protect their vehicle. Even without a car payment, many choose to have them to avoid a large bill all at once.

Connecticut state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $25,000 per accident

Bodily injury caused by an uninsured/underinsured motorist:

  • $25,000 per person
  • $50,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Are there any motorists driving while uninsured in Connecticut?

It may come as no surprise that there are people driving out there without insurance. While the cheapest option by far, it's not the safest, nor the smartest. Driving uninsured means you end up paying even more should you get into an accident, because everything from the medical bills to the actual cash required for the repairs will come from your personal finances. These sorts of high-risk drivers are the ones you need to protect yourself against the most.

Connecticut requires drivers to have uninsured motorist coverage, which protects you if you are hit by uninsured driver, an underinsured driver or a hit-and-run driver. According to 2015 data from the Insurance Information Institute, 9.4 percent of Connecticut drivers don’t have insurance.

How can you take advantage of insurance discounts in Connecticut?

If you take the base rates for cheap auto insurance, you might end up paying much more than you have to. With additional coverage, you have peace of mind and protection in the even of a large or small accident. Many companies that offer extensive discounts are asking the same question: why pay more when you don't have to?

If you're working with a big name insurance carrier, you might sign up for a telematics program in the first 90-days. Companies offer an immediate discount and a long-term discount based on your driving habits.

Going electronic gives many drivers an easy discount that only takes a moment of their time. You click the button to go paperless. If you're really dedicated to saving, you can check affiliated organizations, use grades-based discounts for teen drivers, and more. If you meet the insurance requirements, you might be surprised at how much you can save.

How are car insurance rates calculated in Connecticut?

When searching and comparing quotes from the best auto insurance companies in Connecticut, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

Some of these things are largely within your control. Other things are up in the air or dependent on others around you. For example, you don't necessarily decide how many times a week you have to go into the office (and therefore how much you drive). Auto insurance providers use an average based on the miles to work and the number of days you drive.

You might not realize how much of an impact your neighborhood also has on you. If there are a lot of break-ins or accidents in your neighborhood, your insurance cost will be higher. On the other hand, if you also have a homeowners insurance policy with the same company, your rates could drop. Savvy insurance shoppers look at the big picture before making any financial decisions.

How do you find an insurer who will fit into your budget?

At the end of the day, we'd all like to have the best coverage at a cheap, affordable price from one of the best Connecticut car insurance companies. Financial stability is important to the average consumer. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

You can also check to see if your insurer offers any sort of safe driver discount, or other discounts that could lower your premium. Shopping around lets you find the most competitive rates, even when you're not necessarily looking at the cheapest carrier.

How does Clearsurance help people find the best insurance options?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Is there a guide to car insurance information?

Whether you're buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Frequently Asked Questions

Who offers the cheapest teen car insurance rates in Connecticut?

State Farm's average car insurance rates for teen drivers are the cheapest in Connecticut among the five largest auto insurers in the state by market share.

Who offers the cheapest car insurance rates for a married couple in Connecticut?

Geico's average car insurance rates of $1,678 slightly edges Allstate's $1,692 for the cheapest average premiums for married couples in Connecticut.

Who offers the cheapest senior car insurance rates in Connecticut?</a> State Farm offers the cheapest average car insurance rates to senior drivers in Connecticut.

State Farm offers the cheapest average car insurance rates to senior drivers in Connecticut.

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