Last updated: January 10, 2026Best Auto Insurance in Connecticut in 2026
State Farm, GEICO, Progressive, Amica, and Allstate are some of our favorites in the Constitution State, depending on your needs and budget.
Best Value
Editor's Rating:
4.2/5
4.2/5Full Coverage Averages
- Annual premium: $1,622
- Monthly premium: $135
Best for Households With Young Drivers
Editor's Rating:4.9/5
4.9/5Full Coverage Averages
- Annual premium: $2,115
- Monthly premium: $176
Best after a DUI
Editor's Rating:4.7/5
4.7/5Full Coverage Averages
- Annual premium: $2,406
- Monthly premium: $201
Key Takeaways
- GEICO and USAA have the lowest average auto insurance rates in Connecticut. State Farm, Progressive and Amica also have lower-than-average rates and some of the best customer service ratings among auto insurance providers.
- At $2,411, on average, full coverage auto insurance in Connecticut is 2 percent higher than the national average of $2,356. Minimum coverage averages $1,223, which is 70 percent higher than the national average of $722.
- The average rates in our pricing analysis can help you compare rates broadly, but your experience will vary. Individual premiums depend on a variety of factors, including your location, vehicle, driving record and age.
Summary of the Best Auto Insurance in Connecticut
- Best Value: GEICO
- Best for Households With Young Drivers: State Farm
- Best after a DUI: Progressive
- Best for Customer Service: Amica
- Best for Military/Veterans: USAA
Compare the Best Cheap Auto Insurance in Connecticut
| Company | Full coverage monthly average in Connecticut | Minimum coverage monthly average in Connecticut | New England customer satisfaction (J.D. Power) |
|---|---|---|---|
| GEICO | $135 | $58 | Above average |
| State Farm | $176 | $93 | Above average |
| Progressive | $200 | $136 | Below average |
| Amica | $211 | $89 | Above average |
| USAA | $131 | $61 | Above average* |
| Connecticut | $201 | $102 | – |
*Due to its eligibility restrictions, USAA doesn’t officially qualify to rank on J.D. Power’s surveys.
Breaking Down the Best Cheap Auto Insurance in Connecticut
1. Best Value - GEICO
What We Like Most:
- Cheapest nonmilitary rates in Connecticut
- Flexible payment options
- Many savings opportunities
Why we chose it
GEICO has some of the cheapest auto insurance rates in Connecticut for both minimum liability and full coverage auto insurance. Although USAA’s average full coverage rate is cheaper, it’s limited to military members and their families. GEICO offers special discounts to members of select military, professional and alumni organizations. Its rates for drivers with low credit were the cheapest in our analysis as well.
GEICO offers easy online quotes and a full slate of digital tools to make it easier to manage your policy. The optional GEICO DriveEasy telematics program works through the GEICO mobile app to track driving behavior automatically and reward safe drivers with discounts. GEICO also offers multi-vehicle discounts and multi-policy discounts for drivers who bundle home, condo or renters insurance with their auto coverage.
Who it’s best for
GEICO is a great pick for anyone who wants low rates, especially for drivers with low credit and people who prefer to buy and manage their auto insurance policy online and via an app.
GEICO Connecticut Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $135 | $58 |
| Annually | $1,622 | $694 |
| Difference from Connecticut average | -33% | -43% |
2. Best for Households With Young Drivers - State Farm
What We Like Most:
- Affordable rates for teens
- Young driver telematics program
- Strong customer service
Why we chose it
State Farm has the lowest auto insurance rates in Connecticut in multiple categories, including for teens and drivers with speeding tickets or at-fault accidents. Its overall rates for full and minimum coverage are cheaper than average in Connecticut as well. State Farm also earned above-average ratings for customer satisfaction in New England in J.D. Power’s 2025 Auto Insurance Study. One reason might be its network of local agents, who are known for delivering personalized service.
State Farm’s Steer Clear program gives drivers under age 25 a 15 percent discount for completing a safe-driving program and avoiding at-fault accidents and moving violations for three years. The company offers good-student discounts of up to 25 percent, and its roadside assistance coverage can help teens (and everyone else) get to a repair shop or back on the road safely in the event of an accident or breakdown.
Who it’s best for
State Farm is an excellent choice for households with young drivers, as well as for drivers who prefer to work with a local agent.
State Farm Connecticut Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $176 | $93 |
| Annually | $2,115 | $1,115 |
| Difference from Connecticut average | -12% | -9% |
>>COMPARE INSURERS: See our comprehensive analysis of how State Farm compares to GEICO.
3. Best after a DUI - Progressive
What We Like Most:
- Low rates for drivers with DUIs
- Accident forgiveness
- Wide range of discounts
Why we chose it
Progressive has one of the lowest average rates for Connecticut drivers with DUIs, at $3,058, which is 28 percent below the state average in this category and the cheapest after USAA, which is limited to the military community.
In addition, the Progressive Snapshot telematics program, safe-driving discount, disappearing deductible, and accident forgiveness program can help drivers reduce their insurance costs as they practice safe-driving habits. It also sells rideshare coverage, including coverage for DoorDash and Uber Eats drivers.
Who it’s best for
Progressive is best for drivers with DUIs and other drivers who want to improve their safe-driving habits to reduce their auto insurance costs.
Progressive Connecticut Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $201 | $136 |
| Annually | $2,406 | $1,628 |
| Difference from Connecticut average | 0% | +33% |
4. Best for Customer Service - Amica
What We Like Most:
- Highly rated customer service
- Potential for dividends
- Loyalty discounts
Why we chose it
Although Amica’s rates aren’t the lowest, the company has excellent customer service ratings across the board, making it an ideal choice for drivers who prioritize a superb customer experience.
Amica ranked first in J.D. Power’s 2025 U.S. Auto Insurance Study in the New England region and scored above average nationally in J.D. Power’s 2025 Auto Claims Satisfaction Study. Amica ranked 13th out of 97 insurers on the CRASH Network 2025 Insurer Report Card, landing a spot on the Honor Roll. It holds a B+ rating nationally, and an A rating in the New England region.
Amica offers ample opportunities to save, including discounts for loyalty, homeownership, bundling policies and safe driving. In some states, including Connecticut, Amica customers also have the option to purchase dividend policies that return an average of 5 to 20 percent of premium costs to the policyholder. You can choose to receive your dividend via electronic payment or check, or apply it to your future premium to reduce your out-of-pocket cost.
Who it’s best for
Amica is best for drivers who prioritize customer satisfaction and claim service over cost. That said, Amica’s average minimum coverage rate in Connecticut is 13 percent below the statewide average, and its full coverage rate is just 5 percent above average.
Amica Connecticut Pricing
| Amica | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $211 | $89 |
| Annually | $2,535 | $1,063 |
| Difference from Connecticut average | +5% | -13% |
5. Best for Military/Veterans - USAA
What We Like Most:
- Cheap average rates
- Low-mileage telematics program
- Exceptional customer service
Why we chose it
USAA offers both low rates and outstanding customer service for members of the military community. It consistently beats other insurance providers in J.D. Power’s customer and claims satisfaction studies, but it is technically disqualified from ranking due to its membership eligibility restrictions.
If you qualify for USAA membership, you have access to a wide range of financial services, including insurance, banking and investing. USAA also offers programs and discounts that are geared toward military service members and veterans, including discounts if your car is garaged while you’re serving away from home.
Who it’s best for
USAA is an excellent choice for people who are eligible for USAA membership: veterans, active-duty service members and their families.
USAA Connecticut Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $131 | $61 |
| Annually | $1,577 | $735 |
| Difference from Connecticut average | -35% | -40% |
FYI:
USAA is often one of the cheapest auto insurance providers. However, it is available only to members of the military, veterans and their immediate family members.
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – New England1 | CRASH Network Insurer Report Card2 | J.D. Power Auto Claims Satisfaction Study3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| GEICO | 639 | C- | 697 | 1.95 |
| State Farm | 634 | C- | 716 | 1.21 |
| Progressive | 582 | C | 673 | 0.98 |
| Amica | 735 | B+ | 718 | 1.21 |
| USAA | 745* | D+ | 741* | 1.31 |
| Average | 625 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
*Due to its eligibility restrictions, USAA doesn’t officially qualify to rank on J.D. Power’s studies.
Average Cost of Auto Insurance in Connecticut
For both full coverage and minimum coverage, the average cost of car insurance in Connecticut is higher than the national average.
Full Coverage Rates in Connecticut
Full coverage auto insurance in Connecticut averages about 2 percent higher than the national average. Connecticut drivers can expect to pay $2,411 a year ($201 monthly), on average, for full coverage.
| Category | Full coverage average (annually) | Full coverage average (monthly) |
|---|---|---|
| Connecticut | $2,411 | $201 |
| U.S. | $2,356 | $196 |
Minimum Coverage Rates in Connecticut
The average cost of a minimum coverage policy in Connecticut is $1,223 per year, or $102 per month, which is 70 percent higher than the national average of $722 per year. Keep in mind that minimum coverage may not be sufficient.
| Category | Minimum coverage average (annually) | Minimum coverage average (monthly) |
|---|---|---|
| Connecticut | $1,223 | $102 |
| U.S. | $722 | $60 |
SHOP AROUND:
Because insurance pricing is individual, we recommend that you compare auto insurance quotes from at least three providers when you’re shopping for insurance. There are many factors that affect car insurance rates, including your vehicle, driving history and coverage types.
Auto Insurance Costs by City in Connecticut
Average rates for auto insurance can vary significantly from one city to the next. In Connecticut, average rates range from $2,283 in Danbury to $3,512 in Bridgeport.
Here are the average auto insurance rates for various cities in Connecticut.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Danbury | $2,283 | $190 |
| Norwalk | $2,551 | $213 |
| Stamford | $2,685 | $224 |
| Waterbury | $2,855 | $238 |
| Hartford | $3,069 | $256 |
| New Haven | $3,399 | $283 |
| Bridgeport | $3,512 | $293 |
How Many Car Accidents Happen in Connecticut?
In 2024, 103,232 crashes involving 194,002 vehicles and 247,235 people happened in Connecticut, according to the University of Connecticut’s Crash Data Repository. Of these, 24,079 accidents involved known or suspected injuries, and 250 involved fatalities.5
DRIVE SAFELY:
Many insurance companies offer telematics programs that track your driving and show you the results, which could provide valuable feedback and promote safe driving. As a bonus, we found that 2 in 3 telematics users noticed a decrease in their premiums after starting to use telematics.
Traffic Fatality Trends in Connecticut (2010–2023)
From 2010 to 2023, Connecticut experienced year-to-year fluctuations in roadway deaths, with total fatalities ranging from a low of 221 in 2011 to a high of 366 in 2022. Alcohol- and speeding-related deaths remained persistent contributors throughout the period, with notable spikes in speeding fatalities in 2021 and 2022. Pedestrian deaths also rose over time, reaching their highest point in 2022 before declining again in 2023.
| Year | Total Killed (People Killed in Crashes) | Alcohol-Related Fatalities | Speeding-Related Fatalities | Pedestrians Killed |
|---|---|---|---|---|
| 2010 | 320 | 119 | 124 | 46 |
| 2011 | 221 | 94 | 74 | 26 |
| 2012 | 264 | 100 | 64 | 43 |
| 2013 | 286 | 126 | 76 | 37 |
| 2014 | 248 | 97 | 69 | 47 |
| 2015 | 270 | 100 | 77 | 46 |
| 2016 | 304 | 114 | 82 | 59 |
| 2017 | 281 | 122 | 90 | 49 |
| 2018 | 293 | 120 | 100 | 59 |
| 2019 | 249 | 98 | 64 | 54 |
| 2020 | 299 | 123 | 106 | 59 |
| 2021 | 303 | 118 | 127 | 55 |
| 2022 | 366 | 129 | 148 | 72 |
| 2023 | 308 | 113 | 104 | 47 |
Data represented in the table above was collected from the NHTSA.6
Minimum Auto Insurance Requirements in Connecticut
Drivers in Connecticut are required to carry liability insurance with the following minimum coverage levels:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist coverage: $25,000 per person/$50,000 per accident
Uninsured motorist coverage compensates the policyholder when another driver who is at fault in an accident has no liability insurance or is a hit-and-run driver. Underinsured motorist coverage compensates a policyholder when an at-fault driver’s auto liability insurance isn’t sufficient to cover costs in an accident.7
Frequently Asked Questions
GEICO and USAA have the cheapest car insurance in Connecticut, on average. Although USAA has the lowest average rate for full coverage, at $131 per month, you must be a military service member or veteran to join. GEICO has a similarly low rate for full coverage, at $135 per month. It also has the lowest rate for minimum coverage in Connecticut, at $58 per month.
The average cost of full coverage car insurance in Connecticut is $2,411 per year, and minimum liability coverage in Connecticut averages $1,223 per year. However, rates can vary considerably based on individual variables, by provider, and even from city to city. To find the best rates for your situation, we recommend comparing at least three quotes.
Full coverage auto insurance averages $201 per month in Connecticut. However, there are several providers in Connecticut that offer full coverage auto insurance policies for less than $200 per month, on average. Nationally, the average monthly rate for full coverage is $196 per month. All of the insurers we considered offer minimum coverage policies for less than $200 a month, on average.
No, you can’t drive legally in Connecticut without insurance. Connecticut requires drivers to carry minimum liability insurance with bodily injury limits of $25,000 per person and $50,000 per accident, property damage limits of $25,000, and uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident. You could pay a fine of up to $1,000 and receive a one-month license suspension the first time you’re caught driving without proof of insurance.8
Methodology: How We Review Providers
We evaluated auto insurance providers in Connecticut and based our reviews on the following criteria:
- Pricing (40%): We analyzed the costs of both full and minimum coverage in Connecticut for drivers with clean records, as well as for those with prior incidents, like DUIs. We also considered available discounts. The minimum coverage averages meet Connecticut’s state-mandated limits, while the full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): Efficient claims handling is essential for any auto insurance provider. We reviewed third-party data from independent sources, including the J.D. Power Auto Claims Satisfaction Study and other reports, to evaluate claims handling.
- Customer experience (25%): We assessed the customer experience, including the ease of getting a quote, digital tools, policy management options, and availability of local agents. Our evaluation incorporated third-party data from sources such as J.D. Power, alongside app ratings and data on the providers’ customer service for Connecticut drivers.
- Coverage options (10%): We reviewed each company’s coverage offerings, preferring providers with options beyond Connecticut’s minimum requirements. Additional coverage options we considered included mechanical breakdown insurance, rideshare coverage and other benefits.
Learn more about our ratings and methodology sources.
Sources
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. National Association of Insurance Commissioners. (2025).
https://content.naic.org/cis_refined_results.htmConnecticut Crash Data Repository. UCONN. (2025).
https://www.ctcrash.uconn.edu/dashboards/CAST-MMUCC.htmlTraffic Safety Facts Annual Report Tables. NHTSA. (2025).
https://cdan.dot.gov/tsftables/tsfar.htm#State Minimum Auto Insurance Requirements. Office of Legislative Research. (2023, Mar 06).
https://cga.ct.gov/2023/rpt/pdf/2023-R-0090.pdfPenalties for Driving Without Auto Insurance. Office of Legislative Research. (2017, Dec 07).
https://cga.ct.gov/2017/rpt/pdf/2017-R-0315.pdf
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