Average Cost of Car Insurance in Connecticut for 2025

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 $203 per month, compared to the national average of $193.

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.

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Key takeaways

The average cost of car insurance in Connecticut is $203 for full coverage insurance or $131 for state-minimum policies.
Young drivers pay an average of $340 per month for car insurance.
At $261, 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 $203 per month, compared to the national average of $193. For state-minimum coverage, the average in Connecticut is $131.

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
$203/month	$131/month

Avg. for young drivers	Avg. cost for seniors	Avg. for driver with a DUI
$340/month	$174/month	$327/month

Average cost of car insurance in Connecticut by provider

Of the various insurance options available to drivers in Connecticut, GEICO and State Farm offer the most affordable rates.

Provider	Monthly full coverage average premium	Monthly liability-only average premium
Allstate	$200	$139
Travelers	$171	$119
GEICO	$125	$95
Progressive	$119	$73
State Farm	$85	$60
Nationwide	$188	$131
USAA	$116	$116

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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. monthly premium
Poor (550-649)	$244
Average (650-699)	$212
Good (700-749)	$200
Excellent (750+)	$178

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. monthly premium
At-fault accident	$249
DUI	$327
Speeding ticket	$237

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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. monthly premium
Teen	$340
20s	$256
30s	$213
40s	$200
60s	$172

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 $261 per month.

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. monthly full-coverage premium
Hartford	$261
Bridgeport	$250
New Haven	$246
Waterbury	$230
Stamford	$211
New Britain	$206

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
$25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage

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.

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 $203 per month, compared to the national average of $193.