The Best Cheap Connecticut Car Insurance
Updated
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Car insurance protects the policyholder, their passengers, and other drivers out on the roads, but it can be a huge expense, especially in Connecticut. The state's high average premiums send many on a quest to find the cheapest car insurance in Connecticut. Below is a list of which insurers fit the bill for several common driver profiles.
Connecticut auto insurance premiums are quite high, even for drivers with clean records. The average female with no accidents or speeding tickets pays about $2,661 per year while the average male pays about $2,716 per year. But Geico can give these drivers the same coverage for less than half of that. It charges female drivers just $897 per year and males $887 per year on average.
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The following companies also made the list of the best car insurance companies in Connecticut for typical drivers:
Geico also offered the best Connecticut auto insurance rate for drivers with a prior accident on their record. Its average annual premium for this group was just $1,312 -- considerably less than the $3,602 state average.
These companies also offer cheap auto insurance in Connecticut to drivers with an accident history:
Speeding tickets also raise the average Connecticut auto insurance premium to $3,158 per year. But once again, Geico offers customers a much better deal. Drivers with one speeding ticket can get coverage for about $1,108 per year on average.
These companies also offer some of the best car insurance in Connecticut to drivers with a single speeding ticket:
Young drivers pay a whopping $8,877 per year for Connecticut auto insurance, on average. This time, it's Kemper that comes out on top with an average annual premium of just $2,982. This is based on the profile of an 18-year-old male driver with a clean record.
The following insurers also offer cheap car insurance quotes in Connecticut to teen drivers:
Seniors pay a pretty reasonable $2,560 per year for their Connecticut auto insurance. But customers who choose Geico could pay closer to $960 per year.
Seniors can also get affordable car insurance in Connecticut with these companies:
Connecticut minimum car insurance runs drivers about $1,206 per year. But Geico drivers pay about a third of that. Its average annual premium for minimum coverage is $402.
Drivers can also score cheap liability car insurance in Connecticut with these insurers:
Poor credit raises the average cost of Connecticut auto insurance to $4,870 per year. But Geico drivers only pay about $1,526 per year.
These companies also offer affordable Connecticut auto insurance rates to drivers with poor credit:
How much is car insurance in Connecticut? It might surprise some to know that it's well above the national average. Here's a look at how Connecticut auto insurance rates stack up against the rest of the country for several common driver profiles.
| Average Rate Category | Connecticut | National Average |
|---|---|---|
| Overall | $3,435 | $2,646 |
| Young drivers | $8,877 | $5,988 |
| 1 accident on driving record | $3,602 | $3,092 |
| 1 speeding ticket on driving record | $3,158 | $2,766 |
All drivers should familiarize themselves with the following Connecticut car insurance laws:
Connecticut is an at-fault state. This means that, in a multi-car accident, the driver who is found to be responsible must pay for the medical bills of all parties involved. This is different from no-fault states where every driver bills their own insurance for medical costs.
Drivers who skip Connecticut auto insurance could face the following consequences:
All drivers in Connecticut must have at least the following coverage:
Drivers must have at least:
In addition, drivers must carry at least $25,000 of property damage liability coverage.
Connecticut is one of the few states that requires its drivers to carry uninsured and underinsured motorist coverage in the same quantities as bodily injury liability coverage -- $25,000 per person and $50,000 per accident.
Drivers seeking low-cost car insurance in Connecticut should do the following:
Here are some other things for drivers to keep in mind when shopping for Connecticut auto insurance:
Purchasing the state minimum coverage will help drivers avoid complications from the law. But if they cause an accident, they could find themselves facing huge out-of-pocket costs. This is particularly true if they seriously injure another person. Insurance companies will pay up to the policy's limits, but if the cost of the damages exceeds this, the driver is left to pay for the rest on their own. That's why it's often better to purchase additional coverage when possible.
Drivers with loans or leases may be required to purchase collision and comprehensive coverage by their lender. Even if it's not required, it's a smart buy for most drivers. Collision coverage pays to repair the driver's own vehicle if it's damaged in a crash with another car. Comprehensive coverage pays for repairs due to animal-vehicle crashes, inclement weather, vandalism, theft, and more.
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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
