Compare Cheap Auto Insurance in Connecticut

• The average cost of full coverage auto insurance in Connecticut is $2,204 annually. Minimum coverage is $1,154.
• GEICO and USAA offer the lowest average premiums for many driver categories, though USAA is limited to military members, veterans and their families.
• State Farm provides consistently competitive rates, especially for drivers with at-fault accidents or households with teen drivers.
• Amica’s rates are higher, but it offers some of the best customer and claims service.

Jump to:

• Cheapest full coverage auto insurance in Connecticut: GEICO ($1,538 annually) and USAA ($1,695 annually)
• Cheapest minimum coverage: GEICO ($749 annually) and USAA ($792 annually)
• Cheapest with a teen driver: USAA ($3,774 annually) and State Farm ($4,619 annually)
• Cheapest with a speeding ticket: USAA ($1,716 annually) and GEICO ($1,889 annually)
• Cheapest with an at-fault accident: State Farm ($2,099 annually) and USAA ($2,155 annually)
• Cheapest with a DUI: Progressive ($2,721 annually) and USAA ($2,854 annually)
• Cheapest with low credit: GEICO ($2,188 annually) and USAA ($2,301 annually)

When it comes to customer and claims satisfaction, not all insurers offer the same level of service. In Connecticut, Amica stands out for its exceptional customer service and claims satisfaction. Headquartered in Rhode Island, Amica has a strong presence in New England and consistently ranks highly in customer satisfaction surveys.

USAA also garners high marks, thanks to its personalized service and competitive rates. State Farm and GEICO follow closely behind, with solid scores for handling claims efficiently and offering comprehensive digital tools for policy management.

By being proactive and flexible, you can find a policy that balances cost and coverage. The following strategies can help you find the best possible rate in Connecticut:

• Compare multiple quotes: Don’t necessarily stick with the first quote you get. Prices can vary widely between insurers, so shop around and compare at least three providers.
• Ask about discounts: Many companies offer discounts for things like bundling home and auto policies, maintaining a clean driving record or paying your premium in full upfront. 
• Adjust your coverage: While full coverage provides the most protection, you might be able to lower costs by adjusting your deductible or dropping optional coverages if your car is older. Increasing your deductible typically leaves you with less financial risk than lowering your liability limits.
• Use telematics programs: Most major insurers offer usage-based insurance programs that reward safe driving habits with lower premiums. Check out programs like State Farm Drive Safe & Save, GEICO DriveEasy, Progressive Snapshot and more. 

Where you live in Connecticut can impact your car insurance rates significantly. Urban areas with denser populations and higher accident rates tend to have higher premiums while smaller towns may see lower costs. Among larger cities and towns in Connecticut, Bridgeport ($3,512 annually) and New Haven ($3,399 annually) have the highest rates. Danbury ($2,283 annually) and Madison ($2,363 annually) are cheaper, with premiums closer to the state average.

Connecticut law requires all drivers to carry a minimum level of car insurance to legally operate a vehicle. The state’s minimum requirements include:

• $25,000 per person and $50,000 per accident for bodily injury liability.
• $25,000 per accident for property damage liability.
• $25,000/$50,000 in uninsured/underinsured motorist coverage.

These limits ensure you can cover basic costs in an accident, but they might not be enough in a serious collision. Experts recommend opting for higher coverage limits or full coverage policies for better financial protection.

We analyze average premiums in Connecticut for full and minimum coverage for good drivers with good credit as well as various driver profiles, including those with DUIs, at-fault accidents, speeding tickets, low credit and households with teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible