INSURANCE - CAR INSURANCE

Average Cost of Car Insurance in Connecticut for 2024

Updated Sept. 27, 2023
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GEICO is generally the cheapest car insurance in Connecticut for full coverage policies.

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If you’re shopping for car insurance in Connecticut, prepare for high rates. The average premium for full coverage policies in the Constitution State is $1,829, compared to the national average of $1,582.

The average cost of car insurance in Connecticut can be pretty expensive, but how much you’ll pay varies by insurance company, location, age, and other factors.

In this article

Key takeaways

  • The average cost of car insurance in Connecticut is $1,829 for full coverage insurance or $896 for state-minimum policies.
  • Young drivers pay an average of $4,930 per year for car insurance.
  • At $2,634, Hartford had the highest average premiums in the state.

How much does car insurance cost in Connecticut?

Full coverage policies that include collision, comprehensive, and liability insurance average $1,829 per year, compared to the national average of $1,582. For state-minimum coverage, the average in Connecticut is $896.

One of the main reasons car insurance is so pricey is because Connecticut has a very high cost of living; it’s among the most expensive states in the country. Additionally, car parts and repairs will cost more, so insurance rates are higher.

Avg. cost for full coverage Avg. cost for minimum coverage Cheapest insurance provider
$1,829/year $896/year GEICO
Avg. for young drivers Avg. cost for seniors Avg. for high-risk drivers
$4,930/year $1,917/year $2,554/year

Average cost of car insurance in Connecticut by provider

Of the various insurance options available to drivers in Connecticut, GEICO and USAA offer the most affordable rates. For full coverage policies, GEICO has the cheapest average rates, while USAA offers the lowest rates for state minimum insurance. 

However, it's important to note that USAA membership is limited to military veterans, active duty service members, and their spouses or children. If you don't qualify for USAA, GEICO offers the next cheapest rates for state minimum coverage.

ProviderFull coverageMinimum liability coverage
Allstate$1,920/year$913/year
Farmers$2,004/year$1,404/year
GEICO$1,073/year$527/year
Progressive$2,165/year$1,079/year
State Farm$1,317/year$651/year
Nationwide$1,805/year$950/year
USAA$1,150/year$487/year

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How does credit score affect car insurance rates in Connecticut?

Most states, including Connecticut, permit insurance companies to use drivers’ credit scores when determining premiums. Generally, the better your credit score, the less you’ll pay for car insurance.

In Connecticut, drivers with excellent credit, meaning scores of 750 or higher, pay hundreds less than drivers with poor credit.

Credit health Avg. annual premium
Poor (550-649) $3,275/year
Average (650-699) $2,606/year
Good (700-749) $2,107/year
Excellent (750+) $1,730/year

Average car insurance rates for high-risk drivers in Connecticut

Premiums for car insurance in Connecticut are already expensive, so it’s a good idea to avoid any risky driving habits. Otherwise, your premiums could skyrocket.

For example, an average driving under the influence (DUI) conviction raises premiums by $2,341 per year. And even something as minor as a speeding ticket can increase your yearly premiums by an average of $563.

Violation Avg. annual premium before violation* Avg. annual premium after violation Avg. cost increase
At-fault accident $1,829/year $2,954/year $1,125
DUI $1,829/year $4,170/year $2,341
Speeding ticket $1,829/year $2,392/year $563

*Assumes clean driving record with good credit

How does age affect car insurance rates in Connecticut?

When it comes to car insurance, being young has its downsides. Teens and young adults will pay much more for auto coverage than older drivers.

Drivers that are 18 will pay an average of $5,454 in Connecticut for insurance — nearly three times higher than the rate for drivers in their 30s.

Age Avg. annual premium
18 $5,454/year
25 $1,888/year
30 $1,850/year
40 $1,939/year
60 $1,767/year

Connecticut car insurance rates by city

If you live in a suburb, you’ll usually pay less for car insurance than someone who lives in an urban area. For example, Hartford, the capital of Connecticut and one of the largest cities in the state, tends to be the most expensive for car insurance, with an average premium of $2,634 per year.

According to NeighborhoodScout, Hartford’s crime rating index is 14, meaning 86% of cities in the U.S. are safer. Unfortunately, if you live in Hartford, you are more likely to become a victim of crime, so insurance companies will charge you higher premiums to offset the additional risk.

City Avg. annual full-coverage premium
Hartford$2,634/year
Stamford $2,053/year
New Haven $2,587/year
Bridgeport $2,632/year
Waterbury $2,418/year
Norfolk $1,956/year

CT’s minimum car insurance requirements

Car insurance is required for drivers in all but a handful of states. In Connecticut, drivers must meet the following coverage minimums:

  • $25,000 in bodily injury insurance for one person
  • $50,000 in bodily injury insurance for two or more people
  • $25,000 in property damage insurance

How to save money on car insurance in Connecticut

Car insurance in Connecticut is costly, so finding ways to save money is key. You may be able to reduce your premiums with these tips:

  • Complete a mature driver course: Drivers 55 or older can take mature driver courses and potentially qualify for a discount on their car insurance premiums. Two programs recognized by the state include AAA RoadDriver and AARP DriverSafety.
  • Ask about other discounts: If you aren’t eligible for a mature driver discount, you may qualify for other programs. For example, depending on the insurer, discounts for opting for paperless billing, installing anti-theft devices, or maintaining a high GPA may exist. Contact your agent to see what discount programs are available.
  • Increase your deductible: Your deductible plays a significant role in determining your premiums. It’s how much you have to pay for claims before your insurer starts picking up the bill, so raising it will cause your premiums to decrease.
  • Request quotes from several companies: Rates and coverage options vary by insurer, so it’s smart to shop around periodically. You can request quotes from the best car insurance companies to find a good deal.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in CT

Is car insurance expensive in CT?

Car insurance can be very expensive in Connecticut. The average premium for full coverage insurance is $1,829, compared to the national average of $1,582.

How much is car insurance per year in CT?

The average cost of car insurance in Connecticut is $1,829 per year for full coverage insurance and $896 for state-minimum liability policies.

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Author Details

Kat Tretina Kat Tretina is a personal finance expert focusing on practical financial matters, including student loans, debt repayment, side hustles, insurance, and healthcare. Drawing from her personal experience, she aims to simplify complex financial topics and provide individuals with the information they need to make informed decisions.