INSURANCE - CAR INSURANCE

Best Car Insurance in Connecticut for 2024

Updated April 16, 2024
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USAA and GEICO generally have the best car insurance in Connecticut.

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Connecticut has a relatively high cost of living, and residents tend to pay more for real estate, food, and gas, among other things, in the Constitution State. Car insurance costs are also higher, averaging $1,829 annually, compared to the national average of $1,582.

Below, we look at the best car insurance in Connecticut to help you find the right insurance at the right price.

In this article

Key takeaways

  • The best car insurance in Connecticut is GEICO, which costs $1,073 annually for comprehensive coverage.
  • Drivers with a clean driving record pay an average of $152 a month in Connecticut.
  • Hartford drivers generally pay the most in the state for car insurance, a yearly average of $2,634.

Best car insurance companies in Connecticut

The best car insurance in Connecticut comes from USAA, which has the cheapest minimum liability coverage. GEICO offers the lowest full coverage car insurance, costing an average of $1,073 annually. Progressive is the most expensive provider on our list, with its full coverage costing almost twice as much as GEICO and USAA's.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 896/1,000 $1,150/year $487/year
GEICO 836/1,000 $1,073/year $527/year
Amica 833/1,000 $1,934/year $797/year
State Farm 829/1,000 $1,317/year $651/year
Allstate 816/1,000 $1,920/year $913/year
Progressive 802/1,000 $2,165/year $1,079/year

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USAA: Highest customer satisfaction

USAA had the highest customer satisfaction rating in Connecticut and the state’s cheapest minimum liability coverage. It offers standard liability, collision, comprehensive policies, and optional coverages like roadside assistance and rental reimbursement. However, only current and former military members and their immediate families qualify for USAA policies.

Pros
  • USAA has the lowest minimum coverage costs in Connecticut
  • It offers multiple discounts, including up to 15% off for garaging your car on base
Cons
  • USAA policies are not available to everyone
  • You may find lower rates on full coverage insurance with a competitor

Get a quote now | USAA review

GEICO: Most affordable coverage

GEICO offered the lowest pricing on full coverage car insurance in Connecticut, averaging $1,073 annually. Its minimum coverage costs an average of $527 per year and is the cheapest option available to the general public. GEICO earned a high customer satisfaction score in Connecticut and has multiple policy options, including mechanical breakdown insurance.

Pros
  • GEICO has the cheapest coverage available to the general public in Connecticut
  • It earned the second-highest customer satisfaction score in the state
Cons
  • You may be able to find more specialty policies with a competitor
  • Some options, like its Prime Time contract, are not available in Connecticut

Get a quote now | GEICO review

State Farm: Best for new drivers

State Farm’s full coverage insurance costs an annual average of $1,317, with minimum coverage averaging $651. While it’s not the cheapest option for many drivers in Connecticut, new drivers may be able to save more with State Farm, which offers up to 25% off to teens who maintain good grades and offers other discount options for new drivers.

Pros
  • State Farm has cheaper pricing than several competitors
  • It has multiple agents throughout Connecticut
Cons
  • State Farm requires you to complete a purchase with an agent rather than online
  • It earned a relatively low customer satisfaction score in Connecticut

Get a quote now | State Farm review

Allstate: Best for multi-driver discounts

Allstate is a more expensive option in Connecticut, costing an average of $1,920 per year for full coverage and $913 annually for minimum coverage. It also earned one of the lowest customer satisfaction scores on our list. However, its extensive policy options and discounts for insuring more than one vehicle or bundling home and auto policies together might make it worthwhile for some.

Pros
  • Allstate offers multiple optional policies, including gap and new car replacement
  • It has an extensive network of agents in Connecticut
Cons
  • You will likely find cheaper coverage with a competitor.
  • It earned the second-lowest customer satisfaction score on our list

Get a quote now | Allstate review

Progressive: Best for drivers with poor credit

In many states, insurance companies use credit scores to help determine auto insurance rates. Progressive may be a good option if you have a credit score below 670 since it might offer lower rates than some competitors. However, Progressive had the most expensive coverage in Connecticut and earned our list's lowest customer satisfaction scores.

Pros
  • Progressive has multiple policy options, including accident forgiveness
  • High-risk drivers and drivers with poor credit may find better pricing with Progressive
Cons
  • Progressive had the most expensive full and minimum coverage in Connecticut
  • It earned the lowest customer satisfaction scores on our list

Get a quote now | Progressive review

Connecticut auto insurance requirements

Most states require that drivers maintain a minimum level of insurance to drive legally. The minimum amounts in Connecticut are:

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

How to choose a car insurance provider in Connecticut

If you’re researching a new car insurance provider, consider the following to help you get the best deal:

  • Check financial stability: Use a website like Standard & Poor’s or AM Best to check each insurance company's financial rating. Confirm that the company is licensed to do business in Connecticut by checking the Connecticut Insurance Department or the National Association of Insurance Commissioners (NAIC).
  • Get multiple quotes: Compare pricing and coverage options from at least three companies and check that the coverage types, limits, and add-ons are similar for a more accurate comparison. Ensure that you are also getting all of the discounts you qualify for.
  • Read reviews: Check websites like the Better Business Bureau to see how a company responds and resolves customer issues. Ask friends and family for recommendations, especially if you are new to an area.

How much does car insurance cost in Connecticut?

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

Hartford drivers pay the most for car insurance, with a yearly average of $2,634. Norfolk drivers pay the least, an annual average of $1,956.

Connecticut car insurance rates by city

Since more people (and cars) tend to lead to more accidents, insurance rates are often higher in cities than in less populated areas.

According to the analytics website NeighborhoodScout, Hartford has a population of 120,686 — the fourth largest in Connecticut — and residents pay the most for car insurance. Comparatively, Norfolk has a population of just 1,594. They spend hundreds less per year for car insurance than Hartford residents.

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

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best 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 Connecticut

What are the minimum car insurance coverage requirements in Connecticut?

Connecticut's minimum car insurance requirements are $25,000 in bodily injury liability per person and $50,000 per accident. Drivers must also have $25,000 in property damage liability.

Additionally, drivers must have $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.

How much does car insurance cost in Connecticut?

Car insurance in Connecticut costs an annual average of $1,829 for complete coverage and $896 for minimum coverage.

Which car insurance companies cover Connecticut?

Several car insurance companies cover Connecticut, including USAA, State Farm, GEICO, Progressive, and Allstate.

What is the cheapest car insurance company in Connecticut?

GEICO offers the cheapest full coverage car insurance, costing an average of $1,073 annually. USAA offers the most affordable minimum coverage, costing an average of $487 annually.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.