Cheapest car insurance in Connecticut for 2024

Drivers in Connecticut pay an average of $2,569 per year for full coverage and $1,023 per year for minimum coverage. While these are already close to or below the national average, there are still ways drivers in the Constitution State can save on their auto insurance. To help you get started, Bankrate’s editorial insurance team analyzed average rate data and customer satisfaction and financial strength ratings from trusted third-party companies like J.D. Power, AM Best and Quadrant Information Services. The following companies are some of Bankrate’s picks for the cheapest car insurance in Connecticut.

Key takeaways

• Cheapest company for minimum coverage: Geico
• Cheapest company for full coverage: USAA
• Cheapest company for drivers with prior incidents: Geico and USAA
• Cheapest company for young drivers: Nationwide and Geico

In Connecticut, all drivers are required by law to carry an auto insurance policy with at least minimum coverage, or liability-only insurance. Based on our research, Geico offers the cheapest auto policies for minimum coverage for Connecticut drivers at an average annual premium of $1,023.

Minimum coverage requirements for Connecticut drivers

Nearly every state in the nation has minimum car insurance coverage requirements that drivers must meet to drive legally. Connecticut’s minimum car insurance liability requirements include:

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

In addition, Connecticut mandates that drivers hold uninsured and underinsured motorist insurance with limits that match those required for liability coverage. Exact limits can be found on the State of Connecticut’s Insurance Department website. If you’re caught driving without insurance in Connecticut, you may face fines or other consequences.

While it’s legal to drive with the minimum amount of insurance required, most insurance experts advise drivers to consider a policy with higher coverage limits or more types of coverage. For example, full coverage car insurance is designed to also cover the damages to your vehicle when you cause an at-fault accident and will likely better protect your finances if you cause an accident.

Annual premiums for a full coverage auto insurance policy will typically cost more each year than a minimum coverage policy. Like in most states, Connecticut drivers are not required to carry full coverage auto insurance — although a lender may require it. However, full coverage policies offer more financial protection to drivers in the event of an accident. Our findings show that USAA offers the cheapest full-coverage auto insurance in the state at an average annual premium of $2,569.

Drivers with prior incidents on their records like a speeding ticket, at-fault accident, DUI conviction or other driving violations may face a surcharge on their car insurance rates as a result. Auto insurers consider drivers who have been involved in these types of incidents to be higher risk, often leading to higher premiums to account for the increased risk of claims.

• Cheapest car insurance for drivers with a ticket: Geico
• Cheapest car insurance for drivers with an at-fault accident: Geico
• Cheapest car insurance for high-risk drivers: USAA

Cheapest insurance companies for drivers in Connecticut with a speeding ticket: Geico

If you have a speeding ticket conviction on your driving record, you’ll likely see an increase in your Connecticut car insurance rates for at least three to five years, depending on your insurance company. However, many insurance carriers offer discounts to drivers who participate in a telematics program and demonstrate safe driving habits. Keep in mind that some of these programs could also increase your rates if you practice unsafe driving habits. Some of the cheapest companies in Connecticut for drivers with a speeding ticket are outlined in the table below. Geico offers the cheapest coverage on average for drivers with speeding tickets, based on our data.

Cheapest car insurance for drivers in Connecticut with an at-fault accident: Geico

If you are involved in an at-fault car accident, your car insurance premiums may increase significantly at renewal time. On average, a driver’s full coverage car insurance can be by 60 percent more after an accident, but the increase can vary significantly based on the car insurance company and other personal rating factors. The cheapest car insurance companies for Connecticut drivers who have at-fault accidents on their record are listed below, with Geico offering the cheapest premiums on average.

Cheapest car insurance in Connecticut for high-risk drivers: USAA

After certain driving violations like a conviction for driving under the influence (DUI), you may be considered a high-risk driver. In general, DUI convictions result in the highest rate increases of driving infractions, which could mean paying several hundred dollars more than the average cost of car insurance. In some cases, high-risk drivers may only be able to find coverage with a nonstandard provider. It’s worth noting that while the average rates for drivers in Connecticut with one DUI conviction on their records are outlined below, it is not a guarantee that these car insurance companies will issue a car insurance policy to drivers with DUIs on their records.

Most young drivers can expect to pay more for car insurance in Connecticut. This is because insurance carriers typically view young drivers as less experienced and more prone to accidents or moving violations. However, there are still options for cheap car insurance for young adults in Connecticut.

• Cheapest car insurance for insuring a teen driver: Nationwide
• Cheapest car insurance for teens with a ticket: Geico
• Cheapest car insurance for teens with an at-fault accident: Geico
• Cheapest car insurance for young drivers with a DUI: Progressive

Cheapest Connecticut car insurance for insuring a teen driver: Nationwide

Teen drivers are new drivers, which makes them statistically more likely to be involved in an accident or other driving incident. In turn, insurance companies charge higher average rates for teen drivers to compensate for the added risk. However, rates tend to decline on average as drivers age and get more experience behind the wheel. In addition, many companies offer student discounts, which could help you save money.

Cheapest Connecticut car insurance for teens with a ticket: Geico

Teen drivers in Connecticut who have received speeding tickets may see their car insurance rates increase upon renewal. Their rates may be impacted for a few years, depending on the severity of the violation, though Geico offers the cheapest auto insurance on average in such cases.

Cheapest Connecticut car insurance for teens with an at-fault accident: Geico

If a teen is in an at-fault accident, their auto insurance rates may increase. Increased rates may last for a few years, but it’s still possible to find cheap car insurance for high-risk drivers. Geico offers the cheapest coverage on average for teen drivers with an at-fault accident.

Cheapest Connecticut car insurance for young drivers with a DUI:  Progressive 

Young drivers in Connecticut who have been convicted of a DUI will likely see their rates increase when they renew their auto policy. DUIs are considered high-risk incidents, and auto insurers tend to raise their rates the most for these types of convictions, but Progressive offers the lowest average rates for young drivers with a DUI based on our research. Keep in mind that individual eligibility may not be guaranteed in all instances.

If you’re wondering how to save on car insurance in Connecticut, keeping track of the best auto insurance discounts can be a great way to reduce premiums. However, discounts vary between companies by availability, eligibility, and savings. Some of the more common Connecticut car insurance savings possibilities are listed below:

• Young driver discounts: Some companies will offer discounts for young drivers to help offset their high rates.
• Safe driver discounts: Companies often offer discounts to drivers who have clean driving records or who complete defensive driving courses.
• Multi-vehicle discounts: Insuring more than one vehicle through your insurer may net you a discount on both policies.
• Bundling discounts: Bundling two or more types of insurance together, like home and auto, by purchasing them from one company can often lead to a bundling discount.
• Loyalty discounts: Some insurance providers reward drivers who have had continuous coverage over a set period of time.