Note from the editor: Perhaps you are looking for car insurance for your first time, or want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be […]
Note from the editor: Perhaps you are looking for car insurance for your first time, or want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.
There are more than 21,000 miles worth of public roads in Connecticut. Before you go on a road trip, make sure your ride is safe.
To calculate the average cost for basic car insurance in Connecticut, we looked at the estimated rates of several Connecticut companies to find the lowest estimates.
Car insurance is affected by many factors, including your age, vehicle type and mileage, coverage options, personal driving history, and your driving record. To make fair comparisons, we used a fairly neutral driver profile, someone who has not been in an accident, ticket, or claim. Your rates could be different.
Don’t worry, we found affordable car insurance for a variety of driver profiles. Affordable insurance is possible even if you don’t have a perfect credit or driving record.
Continue reading to find out about Connecticut’s average car-insurance rates for basic coverage. We also have our findings on the most affordable options.
Car insurance costs in Connecticut
Based on driver profile, the average monthly premium for basic Connecticut car insurance is just over $83 and can go up to $200 depending on how high the price goes.
Monthly average auto insurance premiums in Connecticut
Driver and coverage |
Avg. Monthly cost |
|---|---|
| Connecticut has a state-minimum requirement for car insurance | $83.35 |
| Connecticut drivers with bad credit | $149.36 |
| Multiple claims drivers in Connecticut | $207.13 |
| Young drivers in Connecticut | $138.77 |
Based upon our standard driver profile to ensure minimum coverage, unless noted
The cheapest car insurance in Connecticut
Continue reading to find out more about Connecticut’s top five insurers for basic coverage. To get a better idea of the cost for average drivers, we have based the rates on a Connecticut driver profile. Your rates may be different. Our Connecticut driver characteristics include a car worth between $20,000 and $30,000, 680 to 719 credit score and no coverage gaps.
1. USAA
A Connecticut resident could get basic car insurance from USAA starting at $50.72 per monthly. USAA car insurance is only available to U.S. military personnel and veterans, precommissioned officers, spouses, and children of USAA members.
USAA offers optional add-ons like collision, comprehensive, uninsured/underinsured motorist and liability coverage, and several possible discounts, including those for good students, maintaining a clean driving record and garaging your car on a military base.
Review USAA Car Insurance.
2. State Farm
Our Connecticut driver profile can find basic car insurance from State Farm for as low $57.04 per monthly. State Farm provides additional coverage beyond the standard options. This includes travel expense and car rental coverages, coverage for emergency roads and coverage for rideshare drivers. State Farm customers can also take advantage of 19,000 agents across the country.
See our complete review of State Farm’s car insurance.
3. Geico
Geico could offer basic coverage for Connecticut drivers at $60.52 per monthly. Geico offers extensive coverage options and a wide range of discounts. These include having certain vehicle equipment, driving safely, completing driver education courses, being loyal customers, and having certain affiliations. Geico’s mobile app lets drivers manage their policy and request roadside assistance. They can also get a photo estimate.
See our complete review of Geico car insurance.
4. Amica Mutual
Amica Mutual could offer basic coverage to our Connecticut driver profile for as low as $60.54 per monthly. Amica’s additional coverage offerings include personal injury protection, medical payments, bodily injury liability, property damage, uninsured/underinsured motorist coverage, collision, comprehensive, auto/loan lease coverage, full glass coverage, roadside assistance and rental reimbursement. Amica’s Platinum Choice Auto policy provides glass repair coverage, credit monitoring, new car replacement coverage, and generous rental car coverage benefits.
5. Unitrin
Unitrin could provide minimum car insurance coverage in Connecticut for as low as $61.54 per month. Unitrin is now known as Kemper Insurance. They offer a variety of coverage options and flexible policies. Independent agents can help customers purchase Kemper insurance and design a customized policy. They also offer discounts if necessary.
Cheapest Connecticut state-minimum auto insurance
Connecticut law requires that drivers have a minimum of 25/50/25 insurance. This policy is called state-minimum and is usually the most affordable.
5 best car insurance companies in Connecticut to provide state-minimum coverage
1 |
USAA |
$50.72/month |
2 |
State Farm |
$57.04/month |
3 |
Geico |
$60.52/month |
4 |
Amica Mutual |
$60.54/month |
5 |
Unitrin |
$61.54/month |
Based upon our standard driver profile, seeking minimum coverage in Connecticut
Best car insurance for people with good credit in Connecticut
The cost of car insurance is affected by credit. Car insurance costs will be lower for drivers with good credit than those with poor credit.
The Connecticut cheapest car insurance for people with good credit
1 |
USAA |
$43.59/month |
2 |
State Farm |
$46.61/month |
3 |
Amica Mutual |
$54.26/month |
4 |
Geico |
$54.58/month |
5 |
Unitrin |
$55.74/month |
Based upon our standard driver profile to ensure minimum coverage, and adjusted to show rates for Connecticut drivers with a credit score of at least 720
Lowest car insurance for people with poor credit in Connecticut
Car insurance can be more expensive for drivers with lower credit scores. There are ways to lower your premium, such as maintaining a clean driving record and taking advantage of any discounts offered by your insurer.
5 Best Car Insurance Companies in Connecticut For People with Poor Credit
1 |
USAA |
$74.97/month |
2 |
Geico |
$76.63/month |
3 |
Unitrin |
$83.31/month |
4 |
Nationwide |
$91.13/month |
5 |
State Farm |
$105.52/month |
Based upon our standard driver profile to ensure minimum coverage, and adjusted to show rates for Connecticut drivers with lower credit scores than 580
Cheapest car Insurance for Drivers with Multiple Claims in Connecticut
Insurance costs can also be affected by your claims history. Drivers with multiple claims tend to have higher insurance bills than those with fewer or no claims.
5 best car insurance companies in Connecticut to cover multiple claims
1 |
State Farm |
$80.13/month |
2 |
Amica Mutual |
$84.29/month |
3 |
Nationwide |
$128.00/month |
4 |
USAA |
$128.15/month |
5 |
Allstate |
$132.92/month |
Based upon our minimum coverage driver profile, adjusted to show rates for a Connecticut driver who has two claims instead of zero
Cheapest insurance for young drivers in Connecticut
Your age may also play a role in the price of your car insurance. Insurance companies often consider younger drivers to be more risky, which is why policies for younger drivers tend to be more expensive. Your rate will decrease as you age, provided you keep safe driving records. Below is a table that shows the companies with the lowest rates for basic coverage for young drivers aged 18-21.
Top 5 Cheapest Car Insurance Companies in Connecticut For Young Drivers
1 |
State Farm |
$84.21/month |
2 |
Amica Mutual |
$90.17/month |
3 |
Geico |
$91.95/month |
4 |
USAA |
$94.56/month |
5 |
Allstate |
$95.50/month |
Based upon our standard driver profile to ensure minimum coverage, and adjusted to show rates for Connecticut drivers ages 18-21 instead 36-45
Connecticut auto insurance requirements
Connecticut has a $25,000 minimum for each person, $50,000 per accident for bodily injuries liability and uninsured motorist coverage. The state also requires $25,000 to cover property damage liability. Your coverage obligations will be greater if you have a car lease or loan.
Is there usage-based insurance in Connecticut ?
Usage-based vehicle insurance allows customers to pay premiums according to their driving habits. In Connecticut, insurance companies may offer UBI programs that help drivers save money and track their safe driving habits.
FAQs regarding Connecticut’s cheapest car insurance rates
What’s the minimum amount of auto insurance in Connecticut?
Connecticut has a $25,000 minimum for each person, $50,000 per accident for bodily injuries liability and uninsured motorist coverage. The state also requires $25,000 to cover property damage liability. This coverage is also known as 25/50/25.
Is Connecticut a state of no-fault?
Connecticut is a state at fault. The state’s 1993 no-fault laws became inapplicable as of 1994.
What’s the Connecticut fine for driving without insurance?
A Connecticut fine of $100 to $1,000 could be imposed for driving without insurance. Additional penalties include fees, suspension of registration, driver’s license and criminal penalties for not having insurance.
Methodology
Based on a profile of a Connecticut driver aged 36-45, the estimated rates in this article are the lowest. The rates shown assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and has an estimated value of $20,000 to $30,000 Rates for insurance for good credit are based on scores above 720. Rates for insurance for people with poor credit range from 350 to 579. The rates for young drivers are those between the ages of 18 and 21. Rates for multiple claims are based on two claims.
Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and are not intended to be used as a comparison or frame of reference. Rates can vary depending on many factors such as vehicle driving habits, age, and past history.
The Connecticut-mandated 25/50/25 policy is included in the average monthly premium for car insurance with state-minimum coverage.