Best & Cheapest Car Insurance Quotes in Connecticut (2023)

Best cheap car insurance in Connecticut

Cheapest full coverage car insurance in Connecticut: State Farm

The cheapest full-coverage auto insurer in Connecticut is State Farm, with an average annual rate 45% cheaper than the state average overall. Choosing State Farm instead of an average insurer in the state could save you $928 per year on car insurance.

Full coverage policies include collision and comprehensive coverage — which pay for repairs to your vehicle regardless of fault — in addition to liability coverage required by the state. Although comprehensive and collision insurance increase your rates, they are often worth it if your car is worth more than a few thousand dollars.

Cheapest auto insurance quotes in Connecticut: State Farm

The cheapest car insurance company for a minimum liability policy in Connecticut is State Farm. Quotes from State Farm average $49 per month, which is 39% cheaper than the statewide average.

Cheapest CT car insurance companies

Travelers is another widely available company that Connecticut drivers should get a quote from. And if you're eligible as a veteran, military member or a family member, USAA is a great choice. It has strong marks for customer service and is nearly as cheap as State Farm and Travelers.

Minimum liability car insurance policies are the cheapest way to satisfy the insurance requirements in Connecticut, which include bodily injury liability, property damage liability and uninsured/underinsured motorist coverage. However, if you can afford it, choosing higher liability coverage limits can help prevent paying out of pocket for damage after an accident you cause.

When looking for the cheapest car insurance, Connecticut residents should make sure to compare quotes from multiple companies.

Cheap car insurance for drivers with prior incidents

Travelers offers the best rates in Connecticut for drivers with a recent DUI, as well as competitive prices for those with a speeding ticket or accident — though not the absolute lowest. In addition, it offers two accident forgiveness plans — both help you avoid a rate increase after an accident or minor ticket, and the more expensive option includes a vanishing deductible and waives your deductible if your car is totaled.

If you were recently at fault in an accident or caught speeding or driving under the influence, you're likely to see your car insurance bill increase. This makes it especially important to shop around for your best price.

Cheapest car insurance after a speeding ticket: State Farm

State Farm offers very affordable rates to Connecticut drivers with a speeding ticket, with a monthly price of $100. That's 47% less than the typical rate we found across all companies. On average, a speeding ticket raised Connecticut insurance rates by 15%.

Cheapest car insurance quotes after an accident: State Farm

The company that offered the cheapest car insurance rates for drivers with an accident in Connecticut is State Farm. Annual rates, on average, are $100 per month for a full-coverage policy with an at-fault accident on a driver's record. That's only a few dollars more than the cost without an at-fault crash.

After you get into an accident, you should consider shopping around for car insurance to ensure you are getting the lowest possible rates. Insurance companies weigh factors such as car accidents differently, so the cheapest insurance company for you could change after you've been in a crash.

Cheapest car insurance after a DUI: Travelers

Travelers is the most affordable option for drivers with DUIs in Connecticut. The company's average rate is $2,162 per year, around half the state average.

Getting a DUI is a serious infraction, and it often comes with a major penalty on your car insurance rates — one DUI more than doubles rates for Connecticut drivers.

Cheapest car insurance for drivers with poor credit: Travelers

Travelers has the best rates for a full-coverage policy for a driver with poor credit in Connecticut, at an average of $179 per month. That's 38% less than the typical price from all companies.

While your credit score doesn't impact your ability to drive safely, insurance companies have found people with lower credit scores tend to file claims more often. As a result, drivers with poor credit pay 69% more in Connecticut.

Cheapest car insurance for young drivers in Connecticut: State Farm

The average cost of minimum car insurance for 18-year-old drivers in Connecticut is $4,231 per year, or $353 per month. That's $3,189 more expensive annually than it is for the same amount of coverage for an older driver.

Younger drivers are much more likely to file claims than older drivers, so their rates are typically more expensive until they gain more driving experience.

Cheapest CT car insurance companies for teens

Cheapest car insurance for teen drivers after a ticket: State Farm

We found the best insurance prices for young drivers after a ticket at State Farm, where the typical price is a comparatively slight $1,981 per year.

On average, a young driver with a speeding ticket can expect to pay around $4,621 per year for a minimum coverage policy.

Cheapest car insurance for teen drivers after an accident: State Farm

Younger drivers with a recent accident should get car insurance quotes from State Farm. It offered a lower-than-average price of $165 per month for minimum coverage insurance. That's less than half the average rate.

Teen drivers facing a high car insurance bill can often take advantage of discounts for young drivers, like a defensive driving course, getting good grades or sharing a car insurance policy with your parents.

Best car insurance companies in Connecticut

The best auto insurance companies in Connecticut are USAA, Geico and State Farm. USAA offers strong customer service to people affiliated with the military, while Geico has a convenient online user experience along with cheap quotes.

Average cost of car insurance in Connecticut by city

Where you live can dramatically impact on the quotes you get for auto insurance. The cost of full coverage insurance varies by city. Factors such as road conditions and auto theft in a given area can mean higher claims, which in turn means higher rates.

Minimum car insurance requirements in Connecticut

Drivers in Connecticut must have a car insurance policy that includes 25/50/25 liability coverage and underinsured motorist coverage in order to legally drive.

If you buy or lease your car through a dealership in Connecticut, you will often be required to add collision and comprehensive coverage. Even if not required, if your car is worth more than a few thousand dollars, having both collision and comprehensive car insurance will best protect your assets in case of an accident.

Frequently asked questions

Methodology

We collected thousands of quotes from ZIP codes across Connecticut from some of the state's largest insurers for a 30-year-old man with average credit who drives a 2015 Honda Civic EX.

For our minimum coverage policy, we quoted a policy with the minimum required limits in Connecticut. Full coverage policies included higher liability limits:

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.