Cheap Auto Insurance in Connecticut for 2024 (10 Most Affordable Companies)

Cheap auto insurance in Connecticut is out there, with minimum coverage starting at just $32 from Geico; you can secure cheap Connecticut auto insurance by comparing quotes from different companies and learning how your rates are calculated. 

Are you looking for Connecticut car insurance rates in cities? Read through our comprehensive guide to better understand how your rates are calculated and how to best compare auto insurance quotes to secure affordable policies designed to meet your needs.

Our Top 10 Company Picks: Cheap Auto Insurance in Connecticut

Ready to find out who has the cheapest auto insurance quotes in CT for you? Before you buy Connecticut car insurance, enter your ZIP code into the free comparison tool to find the lowest auto insurance rates in CT. 

#1 – Geico: Best for Cheap Rates

Pros

• Competitive Rates: Geico is known for offering some of the lowest premiums in the industry, making it an attractive option for budget-conscious drivers looking for cheap auto insurance in Connecticut. Check out our “Geico Auto Insurance Review” for more details on their rates.
• Discounts: Geico offers various discounts, including for safe driving, multiple policies (like bundling home and auto), military members, good students, and vehicle safety features, which can help drivers save more with their cheap auto insurance in Connecticut.
• Nationwide Availability: Being a nationwide insurer, cheap auto insurance in Connecticut will have services and coverage options available throughout Connecticut, and you can access the same services if you move out of state.

Cons

• No Gap Insurance: Geico does not offer gap insurance, which can be a drawback if you’re financing a vehicle and need coverage for the difference between your car’s value and what you owe, which contributes to cheap auto insurance in Connecticut for its policy.
• Fewer Optional Coverages: Geico doesn’t offer as many customizable coverage options as other insurers, so it might not suit drivers needing specialized coverage. The raw options are a major factor in Geico’s cheap auto insurance in Connecticut.

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#2 – USAA: Best for Military Members

Pros

• Competitive Rates: USAA often offers lower-than-average premiums for military members and their families. Drivers looking for cheap auto insurance in Connecticut, who qualify, may enjoy significant savings compared to other insurers.
• Comprehensive Coverage Options: USAA provides a wide range of coverage, including liability, collision, comprehensive, roadside assistance, rental reimbursement, and even specialized options like rideshare coverage. This contributes to cheap auto insurance in Connecticut.
• Military-Focused Benefits: USAA caters specifically to military members and their families, offering perks like flexible payment options during deployment and coverage for military-specific needs, so those based in Connecticut can be sure to find cheap auto insurance.
• Accident Forgiveness: USAA offers accident forgiveness in some cases, which can prevent your premium from increasing after your first at-fault accident, this option helps keep the cheap auto insurance in Connecticut low in price. For more additional benefits, check our USAA auto insurance review.

Cons

• Membership Restrictions: USAA car insurance is only available to active or former military members, their families, and certain other affiliates. This restriction means that not all drivers in Connecticut will qualify for cheap auto insurance coverage.
• Not the Cheapest for Non-Military Families: While USAA offers great rates for military members and their families, if you’re not part of this group other insurers might offer cheap auto insurance in Connecticut..
• Fewer Physical Branches: USAA has fewer physical locations compared to some other major insurers, which could be a downside if you prefer face-to-face interactions for managing your cheap auto insurance in Connecticut.

#3 – Travelers: Best for Bundling Policies

Pros

• Customizable Coverage Options: Travelers offers a wide range of coverage options, including basic liability, collision, comprehensive, and specialized options like gap insurance, rideshare coverage, and new car replacement. This allows Connecticut drivers to tailor their cheap auto insurance to their needs.
• Discounts: Travelers provides a variety of discounts that can help reduce premiums, such as for safe drivers, multi-policy bundling (auto and home), paying in full, good students, and hybrid/electric vehicles, all contributing towards cheap auto insurance in Connecticut. Read the Travelers auto insurance review for more on discounts
• Optional Coverage for Extra Protection: Travelers offers extras like accident forgiveness, roadside assistance, and rental car reimbursement, providing more comprehensive protection than some other cheap auto insurance in Connecticut insurers.
• Local Agents: Unlike insurers that operate mostly online, Travelers has a network of local agents in Connecticut. If you prefer in-person service and local advice, this is a plus for your cheap auto insurance in Connecticut.

Cons

• Higher Premiums: Compared to some competitors, Travelers’ premiums can be on the higher side, especially for drivers with imperfect driving records or those not taking advantage of discounts contributes to Traveler’s lower ranking towards cheap auto insurance in Connecticut.
• Discounts May Be Limited: While Travelers offers several discounts, they may not be as plentiful or as easy to qualify for as those from some other insurers, which could limit savings for certain Connecticut drivers looking for cheap auto insurance.
• Average Claims Process Speed: Some customers have noted that while Travelers’ claims service is generally reliable, the processing speed may not be as fast as with other insurers, leading to delays in receiving payouts. Drivers looking for fast claims may not like Travelers’ claims speed with their cheap auto insurance in Connecticut.

#4 – State Farm: Best for Customer Service

Pros

• Wide Range of Coverage Options: State Farm offers comprehensive coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist coverage, and add-ons like rideshare insurance, rental car coverage, and roadside assistance.
• Highly Rated Customer Service: State Farm is known for good customer service and receives consistently high ratings for claims satisfaction, which can make dealing with accidents or repairs less stressful. To read more on their high customer service ratings, check our “State Farm Auto Insurance Review.”
• Drive Safe & Save Program: State Farm offers a telematics program called “Drive Safe & Save” that monitors your driving habits and offers discounts for safe driving behaviors, allowing Connecticut drivers to potentially save on premiums.
• Personalized Coverage for Young Drivers: State Farm is popular among families with teen drivers, offering discounts like the “Steer Clear” program for young drivers under 25 who maintain a clean driving record.

Cons

• Premiums May Be Higher: While State Farm offers discounts, its base rates may be higher than some competitors, especially if you don’t qualify for many discounts. Drivers with less-than-perfect driving records may find better rates elsewhere.
• Limited Coverage Options for High-Risk Drivers: State Farm may not offer the most competitive rates or coverage options for high-risk drivers. Those with a poor driving history might find more affordable options with insurers that specialize in high-risk policies.
• Digital Experience Lags Behind Some Competitors: While State Farm offers a mobile app and online services, its digital tools are not as advanced or as feature-rich as competitors like Geico or Progressive, particularly in terms of ease of use and functionality.

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#5 – Nationwide: Best for Usage-Based Coverage

Pros

• Variety of Coverage Options: Nationwide offers a wide range of coverage, including basic liability, collision, comprehensive, and more specialized options like usage-based coverage, roadside assistance, and vanishing deductible. This flexibility allows drivers to tailor their policies.
• Discounts: Nationwide provides numerous discounts, such as for safe driving, multi-policy bundling (home and auto), good students, automatic payments, and having anti-theft devices or safety features. These can significantly reduce premiums for Connecticut drivers.
• Vanishing Deductible: Nationwide has a unique “Vanishing Deductible” program, where your deductible decreases for every year of safe driving, up to a certain limit. This can be an attractive feature for Connecticut drivers who prioritize safe driving.
• SmartRide® and SmartMiles® Programs: These telematics-based programs allow drivers to save money based on driving habits (SmartRide) or the number of miles driven (SmartMiles). These options are beneficial for safe or low-mileage drivers in Connecticut.

Cons

• Higher Base Premiums: Some drivers in Connecticut may find that Nationwide’s base premiums are higher than other insurers, especially without discounts. Rates can vary based on driving history, location, and coverage levels. Learn more about Nationwide’s premiums with our Nationwide auto insurance review.
• Telematics Programs Not for Everyone: While the SmartRide and SmartMiles programs offer savings for safe or low-mileage drivers, these programs may not be ideal for those who drive frequently or engage in higher-risk driving behaviors, as their premiums could increase.
• Limited Local Agents: Although Nationwide offers a local agent option, its network may not be as extensive as State Farm or Allstate in some areas of Connecticut, which could be a downside for drivers who prefer face-to-face service.

#6 – American Family: Best for Costco Members

Pros

• Customizable Coverage Options: American Family offers a range of coverage options, including standard liability, collision, comprehensive, and unique add-ons like gap insurance, roadside assistance, rental reimbursement, and accident forgiveness. This allows for flexible policies tailored to specific needs for cheap auto insurance in Connecticut.
• Generous Discounts: AmFam offers several discounts, including for safe driving, bundling multiple policies, good student discounts, and discounts for installing safety devices. They also offer unique savings opportunities for Costco members by switching to CONNECT to get cheap auto insurance in Connecticut. To learn more check our AmFam auto insurance review.
• Teen Safe Driver Program: AmFam has a specialized program aimed at helping teen drivers improve their driving habits, which can help families with young drivers save money and ensure safety on Connecticut roads, this is a benefit for cheap auto insurance in Connecticut.
• DriveMyWay Telematics Program: This program tracks driving habits and offers potential discounts based on safe driving, making it a great option for Connecticut drivers who prioritize safe habits for their cheap auto insurance in Connecticut.

Cons

• Limited Availability in Connecticut: One of the biggest downsides is that American Family may not be widely available in Connecticut, as it has a more regional focus in the Midwest and West. This could limit the opportunity for cheap auto insurance in Connecticut.
• Not the Best for High-Risk Drivers: AmFam might not offer the most competitive rates or coverage for drivers with poor driving history, as it tends to cater more to standard and low-risk drivers for cheap auto insurance in Connecticut.
• No Gap Insurance in Some Areas: While gap insurance is offered by American Family, it may not be available in all regions, which could be a disadvantage if you’re leasing or financing your vehicle with your cheap auto insurance in Connecticut.

#7 – Progressive: Best for Qualifying Coverage

Pros

• Competitive Pricing: Progressive is known for offering competitive rates, especially for drivers who qualify for discounts. They often have lower premiums than traditional insurers, making them an attractive option for cheap auto insurance in Connecticut.
• Extensive Coverage Options: Progressive provides a wide range of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, gap insurance, rideshare coverage, and more. This allows drivers to customize their policy to fit their needs for cheap auto insurance in Connecticut..
• Snapshot® Program: Progressive’s telematics program, Snapshot, monitors your driving habits and can offer significant discounts for safe drivers. It’s a good option for those seeking cheap auto insurance in Connecticut, who maintain good driving behaviors and want to lower their premiums.
• Options for High-Risk Drivers: Those with poor driving records, can get cheaper coverage when other companies might charge much higher rates or deny coverage entirely, perfect for high-risk drivers seeking cheap auto insurance in Connecticut. Check out Progressive auto insurance review.

Cons

• Rates Can Vary for High-Risk Drivers: While Progressive offers policies for high-risk drivers, these policies can be more expensive compared to lower-risk drivers. High-risk drivers may still find cheap auto insurance in Connecticut with specialized insurers that focus exclusively on non-standard policies.
• Premium Increases After Accidents: Progressive does not automatically offer accident forgiveness with every policy, which means your premiums may rise after an at-fault accident unless you purchase this add-on coverage, which other cheap auto insurances in Connecticut may offer.
• Complex Policy Management: Progressive offers many coverage options and discounts, which can be overwhelming for some customers. Understanding what’s included in your policy and what coverage you actually need might require more attention than with simpler insurers found on this cheap auto insurance in Connecticut list.

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#8 – Farmers: Best for Safe-Driving Discounts

Pros

• Wide Range of Coverage Options: Farmers offers a variety of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP), gap insurance, rideshare coverage, and more. This flexibility allows the cheap auto insurance in Connecticut customers to customize their policies based on specific needs.
• Discounts: Farmers provides several discounts that can help lower premiums, including multi-policy discounts (bundling auto with home or renters insurance), good student discounts, multi-car discounts, claim-free discount, and discounts for vehicle safety features all contributing to cheap auto insurance in Connecticut.
• Farmers Signal® Telematics Program: Farmers offers a telematics program called Signal, which monitors driving habits and offers potential discounts for safe driving. This is beneficial for Connecticut drivers who practice good driving habits and want to save on premiums on their cheap auto insurance in Connecticut.

Cons

• Higher Premiums: Farmers are often more expensive than cheap auto insurance in Connecticut competitors like Geico or Progressive. While they offer discounts, some drivers in Connecticut may find the base premiums higher than average, especially if they don’t qualify for many discounts.
• Limited Availability of Some Coverage Options: Some of the more specialized coverage options, like rideshare insurance or certain add-ons, may not be available in all areas of Connecticut, which can limit your choices for cheap auto insurance in Connecticut depending on where you live. Check out Farmers auto insurance review for more.

#9 – Allstate: Best for Infrequent Drivers

Pros

• Wide Range of Coverage Options: Allstate offers standard coverage as well as specialized options like gap insurance, rideshare coverage, accident forgiveness, new car replacement, and roadside assistance. This allows for flexible, tailored cheap auto insurance in Connecticut. Want to learn more, check our Allstate review.
• Strong Digital Tools: Allstate’s mobile app and online tools are highly rated and offer extensive functionality, such as policy management, filing claims, tracking claims status, and accessing roadside assistance. This makes it convenient for cheap auto insurance in Connecticut customers who prefer to manage their policies digitally.
• Discounts: Allstate provides various discounts, including multi-policy bundling, good student discounts, safe driving, early signing, anti-theft devices, and smart student discounts. These can help Connecticut drivers save on their cheap auto insurance premiums.
• Drivewise® Program: Allstate offers a telematics program called Drivewise that rewards safe driving behaviors with discounts. Drivers who exhibit safe driving habits can earn significant savings on their cheap auto insurance in Connecticut.

Cons

• Drivewise Can Increase Premiums: While Drivewise rewards safe driving, risky driving behaviors recorded by the app could lead to an increase in premiums. Drivers should consider this before opting in for cheap auto insurance in Connecticut.
• Limited Flexibility for High-Risk Drivers: Allstate’s rates may not be the most competitive for high-risk drivers, such as those with poor driving records or multiple accidents. Other insurers that specialize in non-standard policies may offer cheap auto insurance in Connecticut.
• Add-On Coverage Costs: While Allstate offers a wide range of add-on coverages, these can increase the cost of your policy. If you need multiple add-ons, the overall cost can become higher than other cheap auto insurance in Connecticut.

#10 – Liberty Mutual: Best for Add-on Coverages

Pros

• Wide Range of Coverage Options: Liberty Mutual offers a variety of standard and specialized coverage options and additional coverages like accident forgiveness, new car replacement, better car replacement, gap insurance, and roadside assistance for cheap auto insurance in Connecticut. If you want to learn more, check Liberty Mutual auto review.
• Customizable Policies: Liberty Mutual allows Connecticut drivers to tailor their cheap auto insurance policies based on specific needs, with add-ons like coverage for parts replacement, deductible funds, and enhanced roadside assistance. This flexibility is beneficial for cheap auto insurance in Connecticut.
• Discounts: Liberty Mutual offers several discounts, such as for multi-insurance bundling, being a safe driver, advanced safety features in your vehicle, good student discounts, and discounts for hybrid/electric vehicles. Perfect for cheap auto insurance in Connecticut
• New Car and Better Car Replacement: Liberty Mutual offers two unique programs for vehicle replacement; New Car Replacement covers the cost of a brand-new car if your car is totaled in its first year, and Better Car Replacement gives you the money to buy a newer model of your car if your vehicle is totaled unique addon for your cheap auto insurance in Connecticut.

Cons

• Higher Premiums: Liberty Mutual’s base premiums are often higher compared to competitors like Geico or Progressive. Even with discounts, cheap auto insurance in Connecticut policyholders may find that they pay more than they would with other insurers for similar coverage.
• Limited Local Agent Network: While Liberty Mutual offers both online and local agent services, its local presence in Connecticut may not be as extensive as its competitors. This could limit face-to-face service options for those who prefer working with a local agent with their cheap auto insurance in Connecticut.
• Additional Coverage Costs: While Liberty Mutual offers great add-on coverages like new car replacement or better car replacement, these options can increase the overall cost of your policy. This makes it potentially more expensive than other companies with similar coverage for cheap auto insurance in Connecticut.

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Best Cheap Connecticut Auto Insurance Rate

Auto insurance companies in CT charge around $384 per month or $4,618 annually on average. However, many factors are used to calculate your premiums. Every company uses slightly different methods when determining your rates.

Connecticut Auto Insurance Monthly Rates by Coverage Level & Provider

Depending on your age, you are likely to receive much lower-than-average rates for auto insurance in Connecticut. Teen drivers in CT should compare rates from Geico, American Family, and State Farm, even though Geico is middle of the pack for older Connecticut residents.

Insurance companies will take into account your age, ZIP code, driving record, and more when creating your quotes. Your current credit score, your address, how many violations and accidents you’ve had, and your coverage limits will also affect your auto insurance rates.

While all of this information may seem tedious and overwhelming, don’t worry. Affordable auto insurance in CT can be easy to find. Just enter your ZIP code below to compare quotes for cheap auto insurance.

Important Connecticut Auto Insurance Laws and Requirements

Every state has different auto insurance laws that residents must purchase in order to legally drive on the roads. Connecticut auto insurance regulations are more stringent than those in many other states. 

What are the minimum auto insurance requirements in CT? Find out in the table below

Connecticut Auto Insurance Minimum Coverage Requirements

The state requires liability insurance, with a minimum of $20,000 for injury liability, $40,000 for all injuries, and $10,000 in property damage. 

According to the Insurance Information Institute, just under 10 percent of drivers in Connecticut are uninsured. Therefore, the state currently also requires uninsured motorist bodily injury coverage. The minimum amount of UM/UIM coverage is $20,000 per person and the maximum is $40,000 per accident for any bodily injury caused by the uninsured or underinsured motorist.

It is important to note that Connecticut is a tort state. In a tort state or an at-fault state, the driver who is at fault for causing an accident must pay the victim’s medical expenses. 

Even though the requirements are broader than other states, there are still many low-cost auto insurance options in CT. You’ll be happier knowing that if something happens to your vehicle, your insurance policy is well-rounded enough to truly help you.

Choosing the Right Amount of Connecticut Auto Insurance Coverage

Oftentimes, the state minimum auto insurance requirements are not enough to fully protect all of your assets. Therefore, choosing the right types of coverage, and also the right amounts of coverage, is imperative. 

While an insurance agent can help you decide what policies are right for you, it’s better to do some research ahead of time and already have a firm idea of what you need, and what you do not need. 

If you drive a newer, more expensive vehicle, then you should consider purchasing a fuller coverage policy. Adding comprehensive and collision insurance can help protect your vehicle from weather damage, animals, vandalism, and even vehicle theft. If something happens to your vehicle, your insurer will cover all or most of the cost of having it repaired.

Remember, most of the top auto insurance companies can be found in Connecticut, including USAA auto insurance, State Farm auto insurance, Geico auto insurance, Allstate auto insurance, and The General auto insurance. 

It’s best to compare insurance quotes in CT from as many companies as possible so you know with certainty that the policy you choose meets all of your needs without breaking the bank. The best way to do that is to use our free comparison tool below and enter your ZIP code to find quotes quickly.

Connecticut DUI Laws and Auto Insurance

Your driving record greatly impacts your auto insurance rates. In Connecticut, drivers will face some hefty penalties for the first DUI offense in the state. Not only will you receive a $1,100 fine, but you could also face up to 180 days in prison, and possibly even a 12-month license suspension.

Drivers are required to obtain an SR-22 certificate of insurance to reinstate their driving privileges after an offense, and the minimum filing period is three years from the date of final conviction, crash involvement, or administrative action requiring such proof.

You should anticipate an increase in your insurance costs if you are convicted of a DUI or any other serious offense. While most carriers will raise rates for a DUI, too many driving violations might mean your insurance company refuses to insure you altogether.

Connecticut Driving Age Limit Laws

Connecticut teenagers must wait until they’re at least 16 years of age before they apply for their first learner’s permit.

After four months with driver’s ed training, or six months without driver’s ed, and 40 hours of supervised driving, young drivers can apply for an intermediate-stage permit.

Read More: How to Teach Your Teen to Drive

They will maintain this intermediate permit for at least one year and are prohibited from driving alone between the hours of 11 PM and 5 AM. They are also prohibited from having any non-parental or non-instructor passengers for the first six months.

During the last six months, that restriction expands to permit other immediate family members. At 17 years and four months, young Connecticut drivers have full driving privileges during the day; at 18 years, their permit can become a full license.

The average auto insurance cost in CT for teens is much higher than average. No matter where in the state you live, if you’re a younger driver, you’re paying some of the highest rates in the entire state.

Fortunately, once you turn 25, you’ll see a massive reduction in your annual premiums. However, if you’re a young driver looking for cheaper auto insurance rates, seek our safe driver discounts and good student discounts.

Best Auto Insurance for Credit History Rates in Connecticut

Some states have banned using credit scores as a means for calculating auto insurance rates. However, it is still legal in Connecticut for insurance companies to access your credit rates. This means that drivers with a good credit record will likely be rewarded with cheaper rates and inexpensive auto insurance in CT. Drivers with low credit scores, on the other hand, will probably have to pay a higher premium each month.

However, if you live in Connecticut and have poor credit, remember that paying your monthly auto insurance premiums on time will help improve your credit score. After a while, your score will improve and your rates will decrease. If you want to learn more, read “How Your Credit Score Affects Your Insurance Premiums.”

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Additional Connecticut Auto Insurance Laws and Requirements

Everything we’ve discussed so far, including your location, your driving history, and state minimum insurance laws, will have a significant impact on how much you will pay monthly for auto insurance. 

However, there are other laws and state stipulations that can influence your monthly rates. Keep reading to learn more.

Highway Safety Laws in Connecticut

According to DataUSA, there are 3.57 million people living in the state of Connecticut. Fortunately, there are plenty of highway safety laws in place to protect every resident of the state.

While there are no specific aggressive driving state laws, be mindful of the fact that Connecticut has an increased penalty for drunk drivers. If your blood alcohol content is higher than 0.16, your punishment will be more severe. Once you have been punished, you’ll need to find car insurance after the DUI.

Also within the state of Connecticut, there is an all-driver ban on all cellphone use while behind the wheel. This is a primary offense, which means that seeing you on your cellphone is all a law enforcement official needs in order to pull you over and give you a ticket. 

In Connecticut, the rural interstate speed limit and other limited-access roads are 65 miles per hour. Urban interstate speed limits are only 55 miles per hour. If you’re speeding and you are also caught on your cellphone at the same time, the penalties will be severe.

Even though there are no aggressive driving laws on the books within the state of Connecticut, that doesn’t mean unsafe and aggressive driving behaviors are tolerated. 

Following other drivers too closely, failing to yield the right of way, or driving at breakneck speeds on city roads, are all very dangerous actions. The more often you engage in these behaviors, the more likely you’ll be to cause an accident and hurt someone. 

Connecticut’s Best Insurance Provider

You are now an expert on finding cheap Connecticut auto insurance. From selecting the proper coverage level to knowing how to confidently comparison shop, you are well-equipped to start hunting for cheap auto insurance in Connecticut.

With the cheapest providers being Geico, USAA and Travelers auto insurance, their policies can help you handle the basics with their minimum coverage, but if you’re looking for more, it might be best to look at other companies on this list.

Cheap Connecticut car insurance is out there.  Enter your ZIP code into our FREE quote tool below to start comparing affordable Connecticut auto insurance rates.