Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Yearshttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/autoinsuranceez-live/2020/03/92dadfeb-rachael-brennan.jpg

UPDATED: Sep 4, 2020

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Can't-Miss Facts

  • Connecticut drivers pay about $120 per month for auto insurance.
  • Auto insurance requirements in Connecticut include $20,000/$40,000 in bodily injury liability coverage and $10,000 in property damage coverage.
  • Connecticut is a tort state which means the at-fault driver must pay the victim’s medical expenses.

Are you looking for cheap car insurance in Connecticut cities like Danbury, New Britain, Norwalk, Bridgeport, New Haven, Hartford, Stamford, Ansonia or Waterbury? Shop online and let us be your guide in securing affordable auto insurance CT policies designed to meet your needs.

Deal directly with top-rated companies — get free quotes in less than five minutes, compare rates, find cheap auto insurance, and apply online. Are you ready to learn more about cheap full coverage car insurance in Connecticut? Read on.

Who has the cheapest car insurance in CT for new drivers? Use our helpful comparison tool to find cheap auto insurance in CT.

Connecticut Auto Insurance Average Premiums

State average costs for automotive insurance in Connecticut are hovering around $120 at the moment. However, it really all depends on your ZIP code. Those who park their car at a home in Norwalk, for example, might only be paying around $111/mo for their insurance costs.

In a more expensive city, like Bridgeport, monthly costs could be as high as $130 or more.

CT Average Monthly Auto Insurance Rates Legend: Major City Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 15 30 45 60 75 90 105 120 135 $130 $135 $129 $102 $119 $112 $120 $111 $120

Ready to get a personalized Connecticut vehicle insurance quote? Simply enter your ZIP code into the search box above to compare insurance rates in your area. You can compare the auto insurance quotes side-by-side to get a better understanding of your options.

The following factors will also affect your rates – your current credit score, your address, how many violations and accidents you’ve had, and your coverage limits. Affordable car insurance in CT can be easy to find if you know where to look.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Important Connecticut Auto Insurance Laws and Requirements

Connecticut auto insurance regulations are more stringent than those in many other states. What are the minimum car insurance requirements in CT?

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. That being said, there are low-cost auto insurance CT options.

Connecticut is a tort state, and the driver who is at fault in the accident must pay the victim’s medical expenses. Find cheap Connecticut car insurance online.

The state currently 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.

Connecticut Auto Insurance Coverage Requirements
Auto Insurance CoverageCT Coverage RequirementsMost Common Coverage Amounts in CT
Bodily Injury Liability20,000/40,000100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily Injury20,000/40,00020,000/40,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required0 deductible
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Is car insurance expensive in CT? In the chart above you can see what is required in CT and compare rates based on those factors.

Choosing the Right Amount of Connecticut Auto Insurance Coverage

Choosing the right types of coverage, and also the right amounts of coverage, can be a complicated process.

Take a look at this video for advice on finding the amount of coverage to fit your needs.

Your insurance agent can help you decide, but here are some quick pointers: for newer and more expensive vehicles, more coverage is always better.

That way, if something happens to your vehicle, your insurer will cover all or most of the cost of having it repaired.

CT Average Monthly Basic vs. Comprehensive Auto Insurance Coverage Rates Legend: Basic Coverage Comprehensive Coverage Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 20 40 60 80 100 120 140 160 180 $79 $182 $84 $186 $80 $178 $59 $186 $73 $165 $66 $157 $76 $164 $64 $158 $73 $172

As you can see, rates differ based on the area in which you live. Most top auto insurance companies can be found in Connecticut, including USAA car insurance, State Farm car insurance, Geico car insurance CT, Allstate car insurance CT, and The General car insurance CT.

Connecticut DUI Laws

Drivers will face the following possible penalties for the first DUI offense in the state: $1,100 fine, up to 180 days in prison, and/or 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 periods are three years from the date of final conviction/crash involvement or administrative action requiring such proof.

Also, you should anticipate an increase in your insurance costs, since most carriers will raise rates for a DUI conviction.

CT Average Monthly Auto Insurance Rates Based on Driver History Legend: Clean Record DUI Violation Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 20 40 60 80 100 120 140 160 $79 $173 $84 $171 $80 $167 $59 $122 $73 $150 $66 $123 $76 $138 $64 $122 $73 $146

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.

They will maintain this intermediate permit for at least one year and are prohibited from driving alone between the hours of 11:00 PM and 5:00 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.

We understand you want the most affordable car insurance in CT. How much is car insurance for a 16-year-old in CT? Check out the graph below for more information.

CT Average Monthly Auto Insurance Rates by Age Legend: Average Rates for Teenage Drivers Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 50 100 150 200 250 300 350 $338 $359 $341 $241 $308 $304 $342 $287 $315

In the chart below, we’ve shown how rates for teens can compare to drivers in other age groups. The chart is based on drivers in Hartford, CT.

Hartford, CT Average Annual Auto Insurance Rates by Age
Driver AgeAverage Annual Auto Insurance Rates
60$3,073.42
35$3,357.72
25$3,802.96
17$15,061.31
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Cheap auto insurance in Hartford, Connecticut is available, though, as you can see, rates can differ greatly based on your age.

Credit Score Laws and Regulations

Out of all 50 states, 47 permit their insurance agencies to alter prices for customers based on their credit score. Connecticut is one of these. 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.

CT Average Monthly Auto Insurance Rates by Credit Score Legend: Excellent Credit Poor Credit Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 15 30 45 60 75 90 105 120 $65 $121 $70 $129 $65 $122 $50 $129 $60 $112 $55 $98 $62 $113 $56 $97 $61 $115

Based on the chart above, affordable auto insurance in CT can easily be found if you have a good credit score.

Insuring your Vehicle in Connecticut

Have you ever wondered why it’s so important for your insurance company to know the make and model of your vehicle?

The reason is that the insurance policy follows the vehicle more so than the driver. This means if someone borrows your vehicle and causes an accident, you and your insurance company can be held responsible.

CT Average Monthly Auto Insurance Rates by Vehicle Make and Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 25 50 75 100 125 150 175 200 225 $79 $238 $84 $239 $80 $226 $59 $239 $73 $217 $66 $191 $76 $209 $64 $191 $73 $219

As you can see, when looking for cheap car insurance in CT, your type of vehicle can factor into your rates significantly.

For a list of cheapest car insurance companies in Connecticut, fill out our quote box below.

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Additional Connecticut Auto Insurance Laws and Requirements

Everything we’ve discussed so far — your location, your driving history, and state minimum insurance laws, will have a significant impact on how much you will pay monthly. However, there are other laws and state stipulations that can influence your monthly rates.

Highway Safety Laws

Currently, there are no aggressive driving laws on the books within the state of Connecticut. But that doesn’t mean that aggressive driving behaviors (following other drivers too closely, failing to yield the right of way, or driving at breakneck speeds on city roads) aren’t dangerous.

The more often you engage in these behaviors, the more likely you’ll be to cause an accident and hurt someone. Here are a few Connecticut regulations to keep in mind:

  • Aggressive Driving: No state law
  • Cell phones and Texting Laws: Yes
  • Increased penalty for high BAC: BAC 0.16
  • Admin. License Susp. on 1st Offense: 90 days

Speed Limits and Cellphone Use

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. Here are the speed limits in Connecticut:

  • Rural Interstate: 65 mph
  • Urban Interstate: 55 mph
  • Other Limited-Access: 65 mph

If you’re speeding and on your cellphone at the same time, the penalties will be severe.

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What about insurance laws in other countries?

Just like the driving laws differ between countries, they can also differ between states. For example, Australia requires a type of insurance called Compulsory Third Party, or CTP insurance, which isn’t required in other countries, leaving many Australians looking for cheap car CTP insurance.

Need to contact the Connecticut Insurance Department? See the contact information below.

How to contact directly:
Connecticut Insurance Department
Physical Address: 153 Market Street Hartford, CT 06103
Mailing address: PO Box 816 Hartford CT 06142-0816
Phone: 1-860-297-3800
Toll-Free: 1-800-203-3447 (In-State)
Fax: 1-860-566-7410

How much does it cost to insure a car in CT? Find cheap auto insurance in Connecticut now by using our FREE quote tool below. Just enter your ZIP code.