Cheap Connecticut Auto Insurance Guide [2020]

Are you looking for cheap Connecticut auto insurance? The average auto insurance cost in CT is $384/mo or $4,618/yr for auto insurance. However, you can secure cheap insurance in CT by comparing quotes from multiple companies and applying for discounts. Keep reading to learn how to find your best auto insurance rates in CT and compare Connecticut car insurance quotes.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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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. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Can't-Miss Facts

  • Connecticut drivers pay about $384 per month or $4,618 per year 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.

Cheap auto insurance in CT is out there, as long as you know where to look. On average, Connecticut drivers pay $384 per month or $4,618 annually for auto insurance. However, 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 like Danbury, New Britain, Norwalk, Bridgeport, New Haven, Hartford, Stamford, Ansonia, or Waterbury? 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.

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

Affordable Connecticut car insurance isn't impossible to get -- find which Connecticut car insurance company is right for you.

Table of Contents

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.

Take a look at the average annual auto insurance rates folks in Connecticut pay by company.

Connecticut Average Annual Auto Insurance Rates by Company
CompanyMarried 60-Year-Old FemaleMarried 60-Year-Old MaleMarried 35-Year-Old FemaleMarried 35-Year-Old MaleSingle 25-Year-Old FemaleSingle 25-Year-Old MaleSingle 17-Year-Old FemaleSingle 17-Year-Old Male
State Farm$1,670.41$1,670.41$1,815.86$1,815.86$2,041.38$2,342.71$5,517.07$6,936.22
Travelers$1,806.15$1,800.54$1,810.97$1,837.61$1,970.21$2,216.01$13,987.79$22,605.07
USAA$1,826.50$1,802.82$1,958.26$1,937.36$2,622.21$2,716.62$6,175.72$6,480.54
Nationwide$2,105.93$2,209.18$2,343.37$2,370.04$2,717.04$2,921.42$6,485.04$8,226.75
Geico$2,107.40$2,124.47$2,272.26$2,278.35$2,191.49$2,126.23$5,263.28$6,225.80
Progressive$2,252.80$2,346.17$2,642.90$2,461.27$3,016.42$3,379.83$11,031.05$12,232.33
Safeco$2,706.04$3,337.15$3,516.76$3,825.92$3,558.72$3,883.84$17,597.17$19,837.39
Allstate$3,382.07$3,621.23$3,673.14$3,634.67$3,843.87$4,038.70$11,215.24$13,243.90
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Depending on your age, you are likely to receive much lower than average rates for auto insurance in Connecticut.

State Farm offers affordable rates for almost every driver demographic in the state. However, while Travelers insurance is super competitive for most Connecticut drivers, teenagers, in particular, will want to look elsewhere. 

Teen drivers in CT should compare rates from Geico 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. Take a look at the graph below to see how much monthly rates vary depending on what Connecticut town you live in.

CT Average Monthly Auto Insurance RatesLegend: Major City BridgeportHartfordNew HavenStamfordWaterburyDanburyNew BritainNorwalkState Average 153045607590105120135$130$135$129$102$119$112$120$111$120

As you can see from the data above, it costs less to insure your vehicle in a small city like Stamford. If you live in Hartford, where the population is denser, your rates are quite a bit higher. In the more expensive cities, like Bridgeport, monthly costs could be as high as $130 or more.

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. Keep reading to learn more.

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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 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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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. 

If you require more specific information about auto insurance laws in Connecticut, you can contact the Connecticut Insurance Department. See their contact information in the table below.

Connecticut Insurance Department Contact Information
Connecticut Insurance Department Contact InformationDetails
Physical Address153 Market Street Hartford, CT 06103
Mailing addressPO Box 816 Hartford, CT 06142-0816
Phone1-860-297-3800
Toll-free (in-state)1-800-203-3447
Fax1-860-566-7410
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So, is auto insurance expensive in CT? It does not have to be. Now that you’ve seen what is required in CT in the chart above, you can compare rates more easily based on your unique needs and demographics.

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.

How much will the extra coverage cost you in Connecticut? Find out in the graph below.

CT Average Monthly Basic vs. Comprehensive Auto Insurance Coverage RatesLegend: Basic Coverage Comprehensive Coverage BridgeportHartfordNew HavenStamfordWaterburyDanburyNew BritainNorwalkState Average 20406080100120140160180$79$182$84$186$80$178$59$186$73$165$66$157$76$164$64$158$73$172

As you can see, rates do differ quite a bit based on where in Connecticut in which you live. Fuller coverage will always cost more than basic coverage. However, if it fits in your budget, it can save you thousands in the event that a major accident occurs. 

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.

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.

In the graph below, see how your monthly auto insurance rates might increase in various Connecticut towns after being convicted for a DUI.

CT Average Monthly Auto Insurance Rates Based on Driver HistoryLegend: Clean Record DUI Violation BridgeportHartfordNew HavenStamfordWaterburyDanburyNew BritainNorwalkState Average 20406080100120140160$79$173$84$171$80$167$59$122$73$150$66$123$76$138$64$122$73$146

The data does not lie, traffic violations increase auto insurance rates. 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.

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.

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

CT Average Monthly Auto Insurance Rates by AgeLegend: Average Rates for Teenage Drivers BridgeportHartfordNew HavenStamfordWaterburyDanburyNew BritainNorwalkState Average 50100150200250300350$338$359$341$241$308$304$342$287$315

As you can see, 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.

Take a look at the table below, where we've shown more details about how rates for teens 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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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.

CT Average Monthly Auto Insurance Rates by Credit ScoreLegend: Excellent Credit Poor Credit BridgeportHartfordNew HavenStamfordWaterburyDanburyNew BritainNorwalkState Average 153045607590105120$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. 

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.

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Vehicle Make and Model 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 some vehicles cost more to fix or replace than others. Drivers of luxury vehicles also tend to purchase fuller coverage policies to better protect their assets. 

Check out the following graph to see the difference between monthly auto insurance rates for a basic sedan versus a more expensive vehicle.

CT Average Monthly Auto Insurance Rates by Vehicle Make and ModelLegend: 2015 Honda Accord 2012 Porsche Boxter Spyder BridgeportHartfordNew HavenStamfordWaterburyDanburyNew BritainNorwalkState Average 255075100125150175200225$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 auto insurance in CT, your type of vehicle can factor into your rates significantly. Budget-friendly insurance is easier to secure if you drive a budget-friendly car.

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.

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. 

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.

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 Connecticut auto insurance rates.

Ready to find the best auto insurance rates in CT? Cheap Connecticut car insurance is out there. Simply enter your ZIP code into our FREE quote tool below to start comparing affordable Connecticut auto insurance rates. 

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