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With about 3.6 million people packed into an area about 110 miles across and 70 miles from top to bottom, Connecticut is one of the most densely populated states in the Union. That, combined with its proximity to New York City and Boston along with several sizable cities of its own, can make Connecticut roads seem pretty densely populated too.

Yet there are still plenty of open spaces and rural areas in the state, along with communities that run the gamut from some of the wealthiest in the country to some that lean toward the other end of the scale.

All this adds up to a wide variety of car insurance prices  in Connecticut, and all the more reason to shop carefully. Our recent study found that representative rates for the most expensive insurer were three times as much as the cheapest. And depending on your age and driving record, you might see an even greater savings by shopping around.

At least Connecticut residents are likely to find plenty of local choices. The capital city of Hartford is home to several insurance companies, and is sometimes described as the Insurance Capital of the World. Maybe that’s also why Connecticut instituted the nation’s first speed limit for vehicles, way back in 1901. The limit was 12 miles per hour.

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Cheapest Car Insurance Companies in Connecticut

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Connecticut

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Connecticut?

See the Cheapest Car Insurance Companies

Our study found that car insurance costs for our Connecticut driver profiles were $1,380.06 on average. But that doesn’t tell the whole story. We found a big range of average annual insurance costs between companies in our study, from a high of $2,170.35 with Allstate, to a low of $767.76 with Geico.

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Travelers proved to be the second most affordable choice for our Connecticut driver profiles, with an average study rate of $1,047.09. Next up was USAA at $1,180.83, followed by State Farm at $1,310.92. At the other end of the scale, we found Allstate's study rates to be almost three times the cost of the representative rates offered by the least expensive company, Geico, at $2,170.35.

Connecticut Car Insurance Rates by Age

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Annual study rates for a 25-year old male profile ranged from $818.80 with Geico to $2,354.28 with Allstate. And the difference was just as great for older drivers. We found the annual rate for a 60-year old female profile to be just $670.26 with Geico, about one third of the $1,993.78 study rate we found with Allstate.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$2,354.28

$2,252.43

$2,132.76

$2,157.45

$2,131.37

$1,993.78

Geico

$818.80

$756.63

$865.06

$825.52

$670.26

$670.26

Nationwide

$1,859.34

$1,703.89

$1,437.23

$1,418.05

$1,315.59

$1,237.68

Progressive

$2,209.01

$1,957.36

$1,529.80

$1,665.87

$1,418.49

$1,348.36

State Farm

$1,591.92

$1,401.75

$1,257.32

$1,257.32

$1,178.60

$1,178.60

Travelers

$1,196.21

$1,073.86

$1,038.57

$1,024.53

$973.85

$975.54

USAA

$1,461.01

$1,411.94

$1,084.41

$1,094.84

$1,010.49

$1,022.27

Connecticut Car Insurance Rates by Driving Record

As you might expect, a person's driving record has a large impact on insurance rates, according to our study. To find out just how much of an effect, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The average representative rate for a driver profile with a clean record was $1,380.06. With one speeding violation, the study rate increased to $1,583.85. Representative rates increased again for the profiles with one accident or one DUI, up to $1,964.74 and $2,321.19, respectively. Study rates varied widely depending upon company. We found the study rate for a driver profile with one accident to be $1,117.66 with Geico, about $1,900 less than with Allstate.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,170.35

$2,170.35

$3,016.83

$3,108.10

Geico

$767.76

$945.46

$1,117.66

$2,869.96

Nationwide

$1,495.30

$1,739.06

$2,245.91

$2,565.46

Progressive

$1,688.15

$2,191.27

$3,154.47

$1,948.98

State Farm

$1,310.92

$1,430.23

$1,430.23

$1,430.23

Travelers

$1,047.09

$1,429.73

$1,162.47

$1,910.47

USAA

$1,180.83

$1,180.83

$1,625.62

$2,415.11

Connecticut Car Insurance Rates by Credit Score

Our study verified that credit score also affects car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Drivers with poor credit would also be wise to consider Geico, whose $1,570.72 average study rate for a driver profile with poor credit is the lowest among the companies we analysed. Allstate has the highest study rate for the driving profile with poor credit, at $3,578.99 – more than double Geico's rate. The average representative annual premium for the driver profile with poor credit is $2,367.99, which is about $1,000 more than the study rate for the profile with good credit.

Company

Good

Fair

Poor

Allstate

$2,170.35

$2,720.34

$3,578.99

Geico

$767.76

$963.69

$1,570.72

Nationwide

$1,495.30

$1,664.39

$2,386.39

Progressive

$1,688.15

$1,925.19

$2,502.45

State Farm

$1,310.92

$1,612.42

$2,480.29

Travelers

$1,047.09

$1,307.56

$1,933.44

USAA

$1,180.83

$1,395.20

$2,123.64

Connecticut Car Insurance Rates by City

We checked our study's driver profiles in some of Connecticut's largest cities to find out how city of residence can affect insurance rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Where you live within Connecticut can have an impact on rates. We found a range of about $500 in average study rates for our driver profiles depending on location, ranging from a low of $1,376.34 in Bristol  to $1,825.46 in New Haven. Other principal cities including Hartford and Bridgeport also had some of the highest representative rates, at $1,815.72 and $1,762.33, respectively. Danbury and Norwalk were more affordable, with study rates of $1,378.24 and $1,389.33.

City

Average Rate

Bridgeport

$1,762.33

Stamford

$1,423.62

New Haven

$1,825.46

Hartford

$1,815.72

Waterbury

$1,725.79

Norwalk

$1,389.33

Danbury

$1,378.24

New Britain

$1,489.34

Bristol

$1,376.34

Meriden

$1,425.00

Connecticut Auto Insurance Minimum Coverage Requirements

Three types of car insurance are required in Connecticut, and an insurance card with proof of coverage must be carried in the vehicle at all times. Minimum coverage requirements are as follows:

  • $25,000 per person and $50,000 per accident bodily injury liability to cover the medical costs and lost wages of others in a crash that is your fault.
  • $25,000 per accident property damage liability to cover damage to the vehicle or other property of others in a crash where you are at fault, such as a wall, fence, or structure.
  • $25,000 per person and $50,000 per crash uninsured motorist coverage,  to help pay the medical costs of you and your passengers involved in a crash where an uninsured or underinsured driver is at fault.

Other types of car insurance are not required by law, but your bank or lending institution may require additional coverage if you finance your vehicle. It is likely that your lender will require collision coverage to cover the cost of repairs to your vehicle, and comprehensive coverage for damage from storms, fire, vandalism, or theft.

The Connecticut Insurance Department website explains the minimums in detail, and strongly encourages drivers to opt for higher coverages. With the ever increasing cost of medical care and even a short hospital stay potentially costing tens of thousands of dollars, this would seem like a really good idea. And our study found that adding additional coverage is not that expensive. The average difference in study costs between low and high coverage limits amounted to less than $160 annually on average for our driver profiles.  An accident with even minor injuries could quickly make that difference seem like pocket change.

Cheapest Car Insurance in Connecticut

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Single Young Adult Drivers

Geico

Married Adult Drivers

Geico

Senior Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

Geico

Drivers with One Accident

Geico

Drivers with One DUI

State Farm

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

To find which car insurance company offers the lowest rates in Connecticut, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Finding the cheapest insurance for you is not difficult, but it does take a little looking around. While we found that some companies are more affordable than others overall, the best choice for you will likely vary depending on your specific circumstances. Focusing on companies with low average rates is a good place to start, but even some of those charge higher premiums than others for certain variables including age and driving record.

Why Car Insurance Rates Vary in Connecticut

There are other factors at work that affect your car insurance rates that have nothing to do with your age, driving record, credit history, or vehicle. All other factors aside, our survey found that what part of Connecticut you live in can have a big impact on your rates, with average premiums varying by hundreds of dollars depending on the community. More densely populated areas with more cars and traffic tend to be more expensive than rural areas, simply because the odds of colliding with another vehicle are higher when you’re surrounded by more of them. Areas of higher crime also tend to have higher rates.

How to Get the Cheapest Car Insurance in Connecticut

No matter what your age, driving record, credit score, or where you live in Connecticut, there are ways to save on car insurance. Most insurance companies offer a discount for bundling your car insurance with another policy, such as homeowners or renters insurance. Some insurers offer lower rates for members of certain credit unions or other organizations.

Students who maintain good grades may be eligible for reduced rates, or parents may get a break if young drivers are away at school. And many insurers now offer discounted rates for drivers willing to install a device that tracks their behavior behind the wheel.

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The type of vehicle you drive is also likely to have an effect on rates. A convertible or high-performance model will often carry higher premiums than a sedan.

Even if you’re happy with your current insurance company, it’s a good idea to shop around once a year. Your rates will change over time, especially if you move to a different community or take a new job with a shorter commute. You can also look at reducing or dropping some coverages as your vehicle ages and depreciates.

Another easy way to lower premiums is by opting for a higher deductible, which is the amount you pay for expenses after a crash before your insurance kicks in. Consider eliminating collision or comprehensive coverage if you have an older car that might not be worth repairing after even a fender bender, and always review your options and get competitive quotes once a year. You may be able to save as circumstances change, your car ages, and your financial situation and driving record improve. Always ask your agent what discounts you might be eligible for, or check insurance company websites for details.

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Important Laws around Auto Insurance in Connecticut

Insurance is required for all vehicles registered in Connecticut, and an insurance card issued by your insurance company must be carried in the vehicle at all times.

Insurance companies are required to report all cancelled car insurance  policies to the state, and failure to maintain insurance will result in the suspension of your vehicle registration. 

Three types of coverage are required, with the following minimums:

  • $25,000 per person and $50,000 per accident bodily injury liability to cover the medical costs and lost wages of others in a crash that is your fault.

  • $25,000 per accident property damage liability to cover damage to the vehicle or other property of others in a crash where you are at fault, such as a wall, fence, or structure. but

  • $25,000 per person and $50,000 per crash uninsured motorist coverage,  to help pay the medical costs of you and your passengers involved in a crash where an uninsured or underinsured driver is at fault.

New residents are required to transfer their license, registration, and insurance to their Connecticut address within 60 days.

Connecticut Driving Laws and Punishments

The use of a cell phone or any hand held electronic device is prohibited while driving in Connecticut, and the law specifically bans use of same while a vehicle is temporarily stopped in traffic or at a stop light. Use of a portable device is allowed while a vehicle is parked safely at the side of the road or on the shoulder.

Hands-free calls are permitted, but only by drivers 18 or older. Drivers 16 or 17 years old and found in violation of the law will be charged with a moving violation, and could face license suspension and a driver retraining course.

An exception to the law for all drivers is that the use of a hand held device is allowed to contact police or other authorities in an emergency. Police, fire, and other rescue personnel are also allowed to use a hands-free device in the line of duty.

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Operating a vehicle while under the influence of alcohol or drugs is a criminal offense in Connecticut. The legal limit for blood alcohol concentration (BAC) is 0.08 for drivers 21 years of age or older, and 0.02 for drivers under the age of 21. An arrest for driving under the influence or refusal to take a blood alcohol test will result in an immediate license suspension for 45 days. In addition, drivers will be required to have an ignition interlock device installed on their vehicle for six months to one year.

A second offense will result in license suspension of at least 45 days and installation of an ignition interlock for three years, with driving restricted only to work, school, or appointments related to the offense.

A third offense carries a penalty of permanent loss of driving privileges.

Connecticut Car Insurance FAQs

Is car insurance required in Connecticut?

Yes, with the following minimums:

  • $25,000 per person and $50,000 per accident bodily injury liability.
  • $25,000 per accident property damage liability.
  • $25,000 per person and $50,000 per crash uninsured motorist coverage.

Which cars are required to be insured in Connecticut?

Any vehicle driven on the roads of Connecticut must be registered, inspected, and insured.

When should I get car insurance in Connecticut?

Proof of insurance is required before any vehicle can be registered in Connecticut. New residents have 60 days to transfer their license, registration, and insurance to the state.

What happens if my car is not properly insured in Connecticut?

Failing to maintain car insurance in Connecticut will result in a 45-day license suspension and/or up to a $500 fine. Subsequent offenses will result in up to a $1,000 fine and/or suspension of license for up to six months.

Is Connecticut a no-fault state?

No, meaning that a driver found responsible for a crash is responsible for damages.

Do I need uninsured motorist coverage in Connecticut?

Yes, drivers are required to carry $25,000 per person and $50,000 per crash in uninsured motorist coverage.

Is liability insurance required in Connecticut?

Yes, liability insurance is required with the following minimums:

  • $25,000 per person and $50,000 per accident bodily injury liability.
  • $25,000 per accident property damage liability.

Does Connecticut accept digital insurance cards?

All vehicles are required to carry a card issued by their insurance company with proof of insurance.