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State Farm, CSAA, and Safeco rank among Connecticut's most affordable car insurance providers.
Connecticut drivers typically pay $198 monthly for full-coverage insurance, compared to $186 nationally. Your actual premium will vary based on multiple factors, such as age, driving history, and where you live. Getting quotes from several insurers is the best way to determine your true cost.
We outline Connecticut's most affordable car insurance choices by coverage type, driver category, and insurance company below.
Affordable full-coverage car insurance in Connecticut
Full-coverage insurance typically costs Connecticut drivers $198 per month, compared to the national average of $186. The state's cheapest car insurance providers include State Farm, CSAA, and Safeco.
| Average monthly full coverage cost | |
| Connecticut average | $198 |
| National average | $186 |
| State Farm | $116 |
| CSAA | $128 |
| Safeco | $127 |
| USAA | $158 |
Affordable liability-only car insurance in Connecticut
Among the most affordable liability car insurance providers in Connecticut, State Farm, CSAA, and Progressive consistently offer competitive rates.
Connecticut's average liability-only premium runs $132 per month, compared to $104 nationwide.
| Average monthly liability-only cost | |
| Connecticut average | $132 |
| National average | $104 |
| State Farm | $84 |
| CSAA | $83 |
| Progressive | $90 |
| USAA | $115 |
Cheap car insurance in Connecticut by age
Age plays a crucial role in determining insurance costs. Teen drivers face the steepest rates for car insurance for teens, averaging $334 monthly in Connecticut because of their limited experience behind the wheel.
Rates drop for drivers entering their 20s, averaging $252 monthly. Drivers in their 30s and 40s also enjoy lower premiums, typically paying $206 and $196 per month respectively.
Premiums may increase for drivers reaching their 60s and older. Connecticut seniors typically pay $173 monthly in their 60s and $173 in their 70s.
These age-related premium differences stem from varying risk profiles across age groups, as insurers view younger drivers as higher risk while older drivers sometimes see increased rates based on health considerations and driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $334 | $223 |
| 20s | $252 | $168 |
| 30s | $206 | $137 |
| 40s | $196 | $131 |
| 50s | $182 | $121 |
| 60s | $173 | $115 |
| 70s | $173 | $115 |
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Cheap car insurance in Connecticut for high-risk drivers
Drivers with violations or accidents on their records face higher premiums. Connecticut drivers with accidents, speeding tickets, or DUIs pay the following average rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $244 | $163 |
| Speeding ticket | $237 | $158 |
| DUI | $318 | $212 |
Compare low-cost car insurance after an accident
Connecticut drivers with accidents can find affordable coverage through State Farm, CSAA, and Safeco. Drivers with an accident typically pay $244 monthly for full coverage.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $145 | $106 |
| CSAA | $172 | $112 |
| Safeco | $172 | $127 |
Average rate:
Compare low-cost car insurance after a speeding ticket
After receiving a speeding ticket, Connecticut drivers can still secure affordable insurance with State Farm, CSAA, and Safeco. Full coverage costs average $237 monthly for drivers with speeding violations.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $141 | $103 |
| CSAA | $155 | $101 |
| Safeco | $163 | $120 |
Compare low-cost car insurance after a DUI conviction
State Farm, CSAA, and Safeco provide the most affordable full coverage options for Connecticut drivers with DUIs. Full coverage rates average $318 for drivers with DUI convictions.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $177 | $129 |
| CSAA | $196 | $128 |
| Safeco | $209 | $154 |
Cheap car insurance in Connecticut by credit score
Connecticut residents with excellent credit typically pay $174 monthly. Meanwhile, those with poor credit see significantly higher rates, starting at $233 per month.
This rate variation illustrates the impact that credit scores have on insurance costs, as insurers associate poor credit with an increased risk of missed payments.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $174 | $116 |
| Good | $197 | $131 |
| Average | $207 | $138 |
| Poor | $233 | $155 |
FAQs
How do Connecticut's minimum insurance requirements compare to what experts recommend?
Connecticut requires 25/50/25 liability coverage plus 25/50 uninsured motorist coverage, which are fairly average compared to other states. However, insurance experts typically recommend Connecticut drivers carry at least 100/300/50 in liability coverage due to the state's high cost of living and medical expenses.
This higher coverage is particularly important in wealthy areas like Fairfield County where property values and potential lawsuit settlements can exceed minimum coverage limits. Connecticut's status as an at-fault state since repealing its no-fault law in 1993 means drivers can be sued directly for damages exceeding their coverage limits.
What special rules apply to teen drivers in Connecticut beyond standard licensing requirements?
Connecticut has implemented specific traffic laws to protect young drivers that go beyond typical graduated licensing programs. Drivers under 18 are prohibited from using cell phones or electronic devices while driving, even in hands-free mode, which differs from the hands-free allowance for adult drivers.
Teen insurance rates in Connecticut average more than double what adult drivers pay due to inexperience and higher accident risk. The state's defensive driving course discount program could help reduce these costs for young drivers who complete approved courses through the DMV's recognized providers.
How does Connecticut's SR-22 requirement work for high-risk drivers?
Connecticut requires SR-22 insurance certificates for drivers convicted of serious violations like DUIs, and the process can be particularly challenging for those without vehicles. Non-owner SR-22 policies are available but must be obtained before filing for the certificate, typically costing less than traditional coverage since they don't include physical damage protection.
Connecticut drivers with DUIs see their rates increase dramatically, though the impact varies significantly by insurer. The SR-22 must be maintained for three years following the conviction, and any lapse in coverage requires restarting the filing period from the beginning.
Bottom line
These companies may offer Connecticut's lowest rates overall, but the cheapest option for your specific situation could differ. Comparing quotes from several insurance companies based on coverage and customer service remains your best strategy for finding the ideal provider.
Data throughout provided by Insurify.
Average rate:
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