Cheapest car insurance in Connecticut for 2025

Drivers in Connecticut pay an average of $2,720 per year for full coverage and $1,072 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 $1,072.

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 $2,720.

Finding cheap auto insurance in CT becomes a bit trickier when your driving record isn't spotless. Insurance companies tend to raise premiums (sometimes substantially) for drivers with speeding tickets, at-fault accidents or other violations in their rearview mirror. It's a simple matter of risk calculation from the insurer's perspective, but that doesn't mean you're always stuck with sky-high rates. 

While these incidents might narrow your options, Connecticut drivers can likely still uncover reasonable rates by doing their homework. The key often lies in comparing quotes across multiple insurers, exploring available discounts and carefully weighing coverage options against costs.

• 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: Progressive

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

A speeding ticket in Connecticut can ripple through your finances long after you've paid the fine, particularly regarding car insurance rates. While many insurers will raise premiums significantly for these violations, Geico stands out by offering some of the more forgiving rates to drivers working to move past a ticket. The company's competitive pricing, combined with potential savings through telematics programs (though be mindful that poor driving habits could increase costs depending on the program details), could make it a compelling choice for budget-conscious drivers. 

Our analysis consistently shows the companies below provide some of the most affordable premiums in Connecticut for drivers with speeding violations. However, it's still worth comparing quotes across multiple providers to find your best option.

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: Progressive

The financial repercussions of a DUI conviction in Connecticut extend well beyond initial fines and legal costs, particularly when it comes to car insurance. This serious violation typically triggers some of the steepest premium increases in the industry, often pushing rates several hundred dollars above standard levels.

While USAA emerges as a relatively affordable option for high-risk drivers, securing coverage may require exploring nonstandard insurance providers — and even then, a DUI on your record means approval isn't guaranteed. Here's how average premiums stack up for Connecticut drivers with a single DUI, though your individual rates may vary significantly.

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

Getting insurance for a teen driver inevitably means higher premiums — it's simply the reality of putting an inexperienced driver behind the wheel. Insurance companies know the statistics: teens are more likely to have accidents, and companies price their policies accordingly. However, the companies below have emerged as standout options for Connecticut families, offering competitive rates and practical ways to lower costs. They may offer good student discounts and safe driving course incentives to help take the sting out of those initial premiums. Better yet, these rates aren't permanent. As teens build experience and maintain clean records, they'll typically see their insurance costs begin to drop.

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.

Looking to trim your insurance costs in Connecticut? Most carriers offer a range of discounts that can add up to meaningful savings. Here's a quick look at some of the most common discounts, along with some lesser-known opportunities that could be worth exploring:

• Young driver discounts: Most parents know teen drivers spike insurance costs, but good grades and driver education programs can help soften the blow. Many insurers reward academic achievement and additional training with reduced rates.
• Safe driver discounts: Keep a clean record, and insurers will notice. Many now offer telematics programs that track your driving habits. Drive safely, and you'll see the savings add up.
• Multi-vehicle discounts: Have more than one car? Putting them all on the same policy is one of the simplest ways to lower your overall insurance costs.
• Bundling discounts: Package your auto insurance with home or renters coverage for the potential to see substantial savings. It's often one of the biggest discounts available.
• Loyalty discounts: Sticking with your insurer can pay off. Many companies reward long-term customers with reduced rates, though it's still worth shopping around occasionally.
• Eco-friendly vehicle discounts: If you drive a hybrid or electric vehicle, ask about green car discounts. More insurers are offering these as environmental awareness grows.
• Usage-based discounts: Don't drive much? Look into pay-per-mile options or telematics programs that base your rates on actual driving habits.
• Anti-theft device discounts: Security features like alarms and tracking systems could lower your risk profile and even your premium.