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Last updated: November 6, 2024
Average Cost of Car Insurance in Connecticut
Auto insurance costs in the Constitution State are higher than average, with drivers paying $2,116 for full coverage and $979 for minimum coverage, on average, annually.
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Connecticut’s average car insurance cost is almost 70 percent higher than the national average. Exactly how much you pay for auto insurance depends on factors unique to you, like your ZIP code, driving history and credit score. Our analysts compiled industry data on Connecticut auto insurance costs to give you a better sense of how much you’ll pay and empower you to shop knowledgeably.
Average Cost of Car Insurance in Connecticut
Connecticut drivers pay an average of $1,782 annually ($149 monthly) for auto insurance, although full coverage generally costs more than minimum coverage. Check out the average cost breakdowns by category below.
According to the Insurance Information Institute, Connecticut’s average auto insurance expenditure as a percentage of median household income landed in the middle of all the states and the District of Columbia. However, it can still be expensive to insure your vehicle there.1
By Age
The minimum age to get a learner’s permit in Connecticut is 16. Until teen drivers turn 18, they may not drive between 11 p.m. and 5 a.m. unless it is for employment, school, religious activities or medical necessity. Drivers cannot use hands-free cell phones or other mobile electronics while driving until they turn 18.2
Teen drivers have restrictions on their learner’s permits and licenses due to their relative inexperience on the road. Inexperienced drivers have higher rates of speeding, distracted driving and car accidents, resulting in higher auto insurance rates.
| Age | Average annual cost of car insurance in Connecticut |
|---|---|
| 16 | $7,966 |
| 17 | $6,961 |
| 18 | $6,262 |
| 19 | $4,501 |
| 20s | $3,475 |
| 30s | $2,187 |
| 40s | $2,108 |
| 50s | $2,008 |
| 60s | $2,014 |
| 70s | $2,382 |
FYI
In Connecticut, 16- and 17-year-old drivers cannot drive with passengers other than their parent, legal guardian or driving instructor for the first six months after getting their driver’s license.
By Coverage Level
Connecticut requires drivers to carry the following insurance coverage at a minimum.3
| Coverage | Required limits in Connecticut | What it pays for |
|---|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident | The other party’s injuries if you cause an accident |
| Property damage liability | $25,000 per accident | The damage you cause to another party’s property (e.g., their car) in an accident |
| Uninsured/underinsured motorist | $25,000 per person/$50,000 per accident | Injuries to you and your passengers if you’re involved in an accident with someone who doesn’t have insurance or doesn’t have enough insurance, or you’re in a hit-and-run |
The difference between full coverage and liability-only coverage is that liability includes only the above, while full coverage further protects your passengers and vehicle, in the form of coverage for medical payments, collision and comprehensive, and more. Full coverage also includes higher liability limits.
In Connecticut, we recommend liability limits of at least $100,000 per person/$300,000 per accident for bodily injury and $100,000 property damage per accident. You should also consider medical payments coverage, which pays for injuries to you and your passengers. Depending on the age and value of your car, collision and comprehensive coverage is often a good idea (and may be required for loans and leases). Older vehicles that you own outright typically don’t require collision and comprehensive coverage.
Here’s how much you can expect to pay in Connecticut depending on the coverage level you choose:
| Coverage level | Average annual cost in Connecticut | Average monthly cost in Connecticut |
|---|---|---|
| Minimum | $979 | $82 |
| Full | $2,116 | $176 |
By Marital Status
In general, married people pay slightly less for auto insurance than unmarried people do. In Connecticut, tying the knot will save you $112 per year, or about $9 monthly.
| Marital status | Average annual cost of car insurance in Connecticut |
|---|---|
| Single | $2,192 |
| Married | $2,080 |
By Credit Score
In most states, including Connecticut, insurance companies can consider your credit score when determining your premiums. The higher your credit rating, the less you will pay, and vice versa.
| Credit rating | Average annual cost of car insurance in Connecticut |
|---|---|
| Poor | $2,827 |
| Average | $2,052 |
| Good | $1,706 |
| Excellent | $1,355 |
TIP
If you have a low credit score, look into a usage-based insurance company like The Root, which determines your rate primarily by how safely you drive.
By Violation
Speeding tickets, at-fault accidents and DUIs will raise your premiums. In Connecticut, tickets and at-fault accidents stay on your record for three years. A DUI remains on your record for 10 years, but insurance companies typically look back only about five years for serious violations when determining your premiums.
| Driving history | Average annual cost of car insurance in Connecticut |
|---|---|
| Clean driving record | $1,929 |
| Speeding ticket | $2,269 |
| Accident | $2,837 |
| DUI | $4,143 |
By Company
It’s important to compare prices whenever you shop for auto insurance, as providers offer different base premiums and discounts. In Connecticut, the lowest average auto insurance rates regardless of circumstances are $1,281 from USAA and $1,348 from GEICO. The most expensive company, on average, is Hanover.
| Company | Average annual cost of car insurance in Connecticut |
|---|---|
| Allstate | $2,161 |
| Amica Mutual | $1,557 |
| GEICO | $1,348 |
| Hanover | $5,224 |
| MetLife | $2,142 |
| Nationwide | $1,531 |
| Progressive | $1,915 |
| State Farm | $1,489 |
| USAA | $1,281 |
How to Save on Car Insurance in Connecticut
Here are some tried-and-true cost-saving measures for auto insurance:
- Compare prices. Get quotes from multiple companies to get the best price for your circumstances.
- Ask about discounts. Common discounts include your home and auto insurance bundles, safe driver training and, for drivers under 25, good student performance.
- Drive safely. A clean driving record will help to prevent your premium from increasing, and there are also telematics-based safe-driver savings programs, like State Farm’s Drive Safe & Save.
- Consider pay-per-mile insurance. With pay-per-mile insurance, an insurance company determines your rate based on a per-day base rate and a variable rate that depends on how many miles you drive.
- Review your policy. At each renewal period, review each type of coverage and confirm whether you still need each one. Eliminating some coverage or raising your deductible will reduce your premium.
Fault Law in Connecticut
Connecticut is an at-fault state, which means the driver who causes the accident is liable for financial damages. Connecticut allows motorists and others injured in the accident to file claims against the other party’s insurance policy.4
Connecticut SR-22s
The Connecticut DMV may require you to file an SR-22 if you want your license reinstated after a DUI or other serious violation. This form verifies that you carry the minimum coverage required in Connecticut (see above). Most auto insurance companies will file an SR-22 on your behalf for a fee of about $25.
Recap
Connecticut is a relatively expensive state for auto insurance. By shopping around for prices and discounts based on your age, gender, driving history and other factors, you can make an informed decision. Connecticut is an at-fault state, so maintain enough coverage that you won’t have to pay out of pocket if you are found at fault for a serious accident.
Frequently Asked Questions
How much should car insurance cost in Connecticut?
The average cost of car insurance in Connecticut is $2,116 annually for full coverage and $979 for minimum coverage. However, your costs will depend on your chosen coverage and eligible discounts, as well as on your driving history, ZIP code, credit score and other factors.
What is the cheapest full-coverage car insurance in Connecticut?
GEICO is the cheapest full-coverage car insurance in Connecticut. The average annual full-coverage premium for GEICO in Connecticut is $1,631.
What is the cheapest insurance in Connecticut?
Minimum-coverage auto insurance with GEICO results in the cheapest average premium in Connecticut, at $436. USAA, GEICO and State Farm also tend to have low rates in Connecticut.
Is car insurance cheaper in Connecticut than in New York?
Yes, car insurance is cheaper in Connecticut than in New York. According to the Insurance Information Institute, New York is the most expensive state for auto insurance. Connecticut ranked 21st on that same list.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Facts + Statistics: Auto insurance. Insurance Information Institute. (2024).
https://www.iii.org/fact-statistic/facts-statistics-auto-insuranceLaws For 16 and 17 Year-Old Drivers. Connecticut DMV. (2024).
https://portal.ct.gov/teendriving/legislative-recommendations/legislative-recommendations/new-laws-for-16-and-17-year-old-driversINSURANCE COVERAGE INFORMATION. CT Insurance Department. (2024).
https://portal.ct.gov/cid/consumer-resource-library/auto-insurance?language=en_USIs Connecticut a No-Fault Insurance State?. Jainchill & Beckert Attorneys at Law. (2023, Oct 19).
https://www.jblawct.com/blog/is-connecticut-a-no-fault-state/
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