Compare Connecticut Car Insurance Rates [2024]

At $171 per month, average Connecticut car insurance quotes tend to be higher than the national average. In fact, Connecticut ranks amongst the 10 most expensive states for full coverage insurance.

Finding the cheapest car insurance in Connecticut might take a little more research than in other, less expensive states, but the effort is worth it. Whether you buy Connecticut car insurance online or in person, there are a few easy steps you can take to maximize your savings.

Read on to learn where to find competitive car insurance quotes in the Constitution State, including where to find the best car insurance in Connecticut. Then, compare Connecticut car insurance rates to find the best policy for you.

How to Compare Connecticut Car Insurance Rates

Despite being a legal requirement, car insurance also offers essential financial protection for unexpected incidents. Accidents can cause a financial burden, so having a car insurance policy can help pay for injuries, repairs, or even transportation expenses.

Finding the time to research all there is to know about car insurance companies in Connecticut and their rates and practices can seem like an impossible task.

The good news is we’ve paved the way for you to get the information you want and need to make an informed decision about your car insurance. We will help you discover the key indicators that insurance companies consider risks and how you can mitigate those risks.

We’ll help you to know what the minimum car insurance required in your state is, what you may want or need, and where you can get it at the best price. See how Connecticut compares with other states in terms of rates.

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Connecticut Car Insurance Requirements

Connecticut is a fault state, meaning that the person who was at fault for causing the car accident is responsible to compensate anyone who suffered harm as a result of the crash.

The required minimum coverage limits for basic coverage in Connecticut is to 25/50/25 for all motorists. This means that car owners must carry the following minimum liability car insurance coverage requirements:

$25,000 for bodily injury or death of one person in an accident caused by the owner of the insured vehicle, $50,000 for total bodily injury or death in an accident caused by the owner of the insured vehicle, and $25,000 for property damage liability per accident caused by the owner of the insured vehicle.

Connecticut does require you to carry Uninsured/Underinsured Motorist coverage so that you can protect yourself and your passengers and pay for any medical bills if the at-fault driver has no insurance or if you are the victim of a hit-and-run.

How much risk are you assuming by only carrying the minimum amount of liability insurance? It depends on your monthly budget and on how exposed you want to be to potential litigation, and it can also vary from state to state.

If you have assets or future assets that you wish to protect, you want to consider increasing your liability coverage. The experts at the Wall Street Journal recommend liability limits of 100/300/50 and offer the following advice for choosing your coverage limits: Make sure you’re covered for an amount equal to the total value of your assets (Add up the dollar values of your house, your car, savings, and investments).

Please be aware that basic coverage only provides you with liability protection; It will not pay to repair or replace your car for an accident that you cause.

If you are looking to repair or replace your car after an accident, then collision insurance and comprehensive insurance coverage are worth the investment. These policies come with a deductible, and they pay out based on the current value of your car, not necessarily the price you might have paid for it.

Self-insurance is available in Connecticut to individuals who receive approval from the state insurance commissioner by providing evidence of their ability to meet financial obligations.

Next, we will take a look at how much motorists in Connecticut pay on average for auto insurance. The amount you actually will pay may be slightly lower or higher than these figures, but this data will provide you with some context from which you can project your own situation with reasonable accuracy.

Compare Connecticut Car Insurance Rates as a Percentage of Income

Comedienne Paula Poundstone once quipped, “The wages of sin are death, but by the time taxes are taken out, it’s just sort of a tired feeling.”That funny one-liner illustrates how taxes can affect one’s Disposable Personal Income (DPI), which is the money you are allowed to keep after the government takes its portion.

You are mandated by law to carry at least the basic coverage. A full coverage car insurance policy includes liability, comprehensive, and collision insurance. Here is a peek at the average cost of each: Now that we have examined facts about auto insurance costs to individual consumers, let’s take a look at some important statistics about the insurance companies themselves. First, let us examine the concept of loss ratio.

Loss Ratio and Connecticut Car Insurance Rates

What exactly is a loss ratio? And what is its effect on your premiums?

The insurance loss ratio is the loss to the insurance company for claims that were paid out, divided by the premiums collected. A high loss ratio means that an insurance company has too many customers filing claims, which will subsequently lead to a rise in future premiums for all consumers.

Geico car insurance, the largest auto insurer in Connecticut, has a loss ratio of 75.82 percent. Typically, a loss ratio between 40 to 60 percent is considered standard. Too much higher would mean that a company is paying out too many claims and would have a hard time remaining solvent. However, if a company’s loss ratio is well under 40 percent, that means the company is pocketing much more money in premiums than paying out in claims or insurance discounts to its customers.

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Popular Car Insurance Add-ons in Connecticut

According to the Insurance Information Institute, a little over nine percent of drivers in Connecticut (9.4 percent to be exact) don’t have insurance, which ranks as the 36th highest percentage in the country. As protection against those who drive without any insurance coverage, you may consider opting for additional coverage options to protect.

One such option in the Constitution State is Medical Payments Coverage. Medical Payments Coverage, or Med Pay, is an optional coverage in all motor vehicle insurance policies in the State of Connecticut. You can purchase this coverage in the following amounts: $1,000, $5,000, $10,000, $25,000, or even $50,000.

Med Pay insurance applies regardless of whether the insured or another driver was at fault. It even applies when the insured driver or the insured’s family are pedestrians on the street and are struck by another motorist. Despite the increasing popularity of pay-per-mile car insurance plans offered by companies like Metromile, they are currently not being offered in Connecticut.

Other Usage-Based car insurance programs (UBI) are active and available to drivers in Connecticut. Programs like Drivewise from Allstate or Snapshot from Progressive, or Drive Safe & Save from State Farm offer discounts to drivers based on how well and how often they drive.

In addition to these add-ons, there are several more optional enhancements that you can explore to decide which ones may be right for you:

• GAP insurance
• Personal Umbrella Policy (PUP)
• Rental Car Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Coverage
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance

Compare Connecticut Car Insurance Rates by Gender

Cyndi Lauper once reminded us: “When the working day is done, girls just want to have fun.” And there are few things more fun in Connecticut than saving money on car insurance quotes. In that context, let’s see whether or not girls are having more fun than boys when it comes to their insurance premiums.

Take a look at the following chart and table to compare and contrast.

Here’s a look at the Most Expensive Demographic rates in Connecticut. Where do you fit in the equation? Are you on the higher end or lower end of the ledger? Do you now have a better idea of what car insurance cost you and your family in the Nutmeg State?

Take a look at Travelers Home & Marine Insurance Company. If you are a 35-year-old married man, you’ll pay $1,815.86 on average for your annual premium, which would be among the lowest rate possible statewide. However, if you are a 17-year-old single man looking to get insured by that same company, your average annual premium would be $22,605.07, the absolute highest in the state.

That is a difference of $20,789.21 per year.

As you can see, it pays to do your due diligence when shopping around for car insurance, and even something as simple as your gender can affect your car insurance. There is no one size fits all insurer. A company offering the best rates for one customer may end up being the most expensive option for another.

Compare Connecticut Car Insurance Rates by ZIP Code

So that you can find where your city and neighborhood rank statewide, here are the average annual premiums by ZIP code in Connecticut:

Hartford, East Haven, and Bridgeport have the most expensive ZIP codes in Connecticut. All three of these cities are among the most populated cities in the state.

Curious about how some other ZIP codes stack up? Take a look at our interactive chart below.

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Compare Connecticut Car Insurance Rates by City

Where does your city rank statewide?

Hartford once again makes the top of the list for the worst insurance rates in the state.

Uncover the Best Insurance Deals Across Connecticut Cities: Compare Car Insurance Rates in Your City

Compare car insurance rates across various cities in Connecticut including Cheshire, Danbury, Farmington, Guilford, Newtown, Old Greenwich, Somers, Stamford, and Waterbury. Start now to find the best deal for you!

The Best Connecticut Car Insurance Companies

Making sense of all the information while trying to decide on the auto insurance company that is the right fit for you can be stressful.

Who’s going to give you the best rates? Who has the best customer service? Do you qualify for any discounts or upgrades? What special features and customer benefits, if any, can you earn?

With so much data to consider and so many options from which to choose, making a sound decision can be a bit mystifying. Every driver is different because they have a different budget, age, and driving history.

Therefore, the best car insurance company will depend on the personal qualities of each person. Researching the average rate in your area can help you find which providers offer the cheapest car insurance.

You don’t have to worry. We have gathered and sorted through all the relevant information you need to make sure your decision is, in a word: superb.

When deciding on a car insurance company, it is important to make a thorough examination of its public reputation. Understanding how a company treats its consumers and its responsiveness to customer complaints should be a crucial factor in the equation when you decide whom to trust with your hard-earned dollars.

A company’s public reputation can often be a telling indicator of its business practices and the kinds of prices it offers to the buying public. We’ll show how the largest companies rate in the areas of financial stability and customer satisfaction.

Connecticut Car Insurance Companies by Financial Rating

AM Best is a credit rating agency. It evaluates insurance companies and grades them based on their financial stability. The table below shows the ten top car insurance companies in Connecticut as measured by direct premiums written with their AM Best rating.

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Connecticut Car Insurance Companies by Complaints

For any relationship to endure the test of time, a reservoir of mutual trust and respect must be built. Both parties must have each other’s best interests at heart. Communication and expectations must be clear to everyone involved. If not, unrealistic and unfulfilled expectations will leave one or both parties having twisted feelings over the experience, leaving nobody feeling satisfied.

Unfortunately, not every relationship will cross the finish line of satisfaction. When a consumer is dissatisfied, they can file a complaint. Those complaints, warranted or not, are factored into a company’s complaint ratios. The complaint ratio is how many complaints a company receives per one million dollars of business.

The Largest Car Insurance Companies in Connecticut

This chart gives a visual representation of the car insurance companies with the largest market share in Connecticut.

Complaint Ratios for the Largest Car Insurance Companies in Connecticut

Ever wonder how many licensed auto insurance companies are in Connecticut? The answer is 796. Sixty-seven are domestic to Connecticut, while the remaining 729 are nonlocal to the Nutmeg State.

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Compare Connecticut Car Insurance Rates by Company

Now, we’re going to examine which carriers, on average, give the best rates statewide and how they compare to state averages.

Compare Connecticut Car Insurance Rates by Commute

Compare Connecticut Car Insurance Rates by Coverage Level

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Compare Connecticut Car Insurance Rates by Credit Score

Curious about how your credit history impacts the quotes you receive from car insurance companies? Consumer Reports conducted a study for Connecticut analyzing the effect of credit history on premiums. If you have good credit, you may qualify for a good credit discount.

Compare Connecticut Car Insurance Rates by Driving History

When it comes to having a less-than-perfect driving record, your reputation can be detrimental to your premiums. Each auto insurance company has its own criteria for underwriting and each assesses certain violations differently. Here is a quick look at how different auto insurers in Connecticut price their annual rates for various driving violations:

Compare Connecticut Car Insurance Rates by Demographic

Note: All carriers and situations are not created equal. Examine the vast difference between the rates offered to a 35-year-old married female and a 17-year-old single female for Travelers car insurance:

A married 35-year-old female will pay $1,810.97 on average with Travelers; while a 17-year-old single female will pay $13,987.79 with the same company.

When it comes to comparing car insurance from various companies to get the best rates, don’t fall into the trap of picking a company that was right for a friend or relative because their situation may be completely different than yours. Instead, you should select the company that best suits your specific needs.

Choose the company that will provide the best rates and services for your present circumstance, not anybody else’s. The best way to ensure that you’re getting the best possible auto insurance coverage at the best possible rates for your specific circumstance is to compare rates from multiple carriers.

Another surefire way to make sure your rates stay as low as possible is to be a good driver. And being a good driver entails knowing the rules of the road and adhering to them. We’ll go over the laws of the land to keep you informed and how to maintain a clean driving record.

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Connecticut Driving Laws

Trying to memorize every traffic law in Connecticut would be both mind-numbing and impractical. We’ll help you to sift through the nonessentials and highlight those regulations which are most relevant to Connecticut drivers.

Connecticut Car Insurance Laws

State laws have considerable influence on auto insurance. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

Insurance companies in Connecticut are subject to the regulations set by that state’s insurance commissioner. Ultimately, all rates and regulations must meet the fair competition standards set by the National Association of Insurance Commissioners (NAIC).

Car Insurance Rate Setting Regulations in Connecticut

“Open competition” is the capitalistic process in which rates are formed; however, if the insurance commissioner decides that rates are excessive or could be harmful to the company’s solvency, he or she will step in and adjust those figures.

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How to Get High-Risk Insurance in Connecticut

The SR-22 car insurance form must be filed by drivers who have committed violations or have multiple infractions, as well as uninsured drivers and others. If your license has been revoked or suspended, you may need to file an SR-22 to have it reinstated. The SR-22 form is available from your insurance company, but it is not an auto insurance policy.

If you do require the SR-22 insurance proof in CT, that means your license is or will be suspended or revoked and you cannot legally drive in Connecticut. Filing the correct documentation and meeting other requirements per the DMV can help you toward eventually reinstating your driving privileges.

Please be sure to have the correct address on your driver’s license to ensure that you receive the notice. Here is a list of some major violations that will earn points on your license or even a suspension in Connecticut:

• Negligent homicide with a motor vehicle: 5 points
• Operation of a school bus at excessive speed: 5 points
• Passing a stopped school bus: 4 points
• Passing in a no-passing zone: 3 points
• Driving while impaired: 3 points
• Failure to obey a stop sign or red light: 2 points
• Speeding: 1 point

Your license may be canceled for an incorrect or fraudulent license application, or it may be canceled if a check written to pay driver’s license fees is returned for insufficient funds.

Read more: Compare School Bus Insurance Rates

How to Get Windshield Coverage in Connecticut

Connecticut has no specific laws requiring insurance companies to offer special broken windshield car insurance or no-deductible windshield replacement. The Constitutions State does allow for a Full Glass Coverage option that covers broken safety glass, including windshields, with no deductible.

You may have your car repaired at a repair shop to your liking, but you may be required to pay the difference. Connecticut allows insurers to use aftermarket parts, as well as used recycled parts, but they must inform you in writing.

Car Insurance Fraud in Connecticut

Insurance fraud is the second-largest economic crime in America. Insurance fraud impacts premium rates and the prices consumers pay for goods and services. The department’s insurance fraud prevention division plays an important role in investigating suspected fraud.

And if those fraud numbers continue to escalate it is more likely that the insurance will pass on some of that cost to you as the consumer in the form of increased premiums. If companies didn’t have to waste their premium dollars on false claims, you could see a reduction in the rates you pay. There are two classifications of fraud: hard and soft.

• Hard Fraud: A purposefully fabricated claim or accident
• Soft Fraud: A misrepresentation of information to the insurance company

Soft fraud is more common than hard fraud. Twenty to 40 percent of consumers admitted to lying to their insurer about one of the following:

• Number of annual miles driven
• Number of drivers in the household
• How the vehicle would be used

Insurance fraud is a crime, no matter how you slice it. Even the little, white lie you tell to get a lower rate can lead to harmful consequences. That kind of willful misrepresentation of facts is called known as “rate evasion” and is a $16 billion annual expense to auto insurers.

Insurance fraud is a Class D felony in Connecticut. And according to a report by the Connecticut Insurance Department’s Insurance Fraud Unit, insurance fraud costs consumers in Connecticut nearly $2 billion annually.

If you suspect insurance fraud or have been the victim of fraud, you can contact the State of Connecticut Insurance Department to report such activity.

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Statute of Limitations in Connecticut

Connecticut’s statute of limitations for filing a claim is two years for personal injury and three years for property damage.

Vehicle Licensing Laws in Connecticut

Don’t make the mistake of driving in the state of Connecticut without proper registration and insurance. It would be unwise and potentially costly to do so.

Penalties for Driving Without Car Insurance in Connecticut

Connecticut’s DMV has an online portal where residents can perform tasks such as renewing their registrations and driver’s licenses, updating or changing their addresses, and retrieving their driving history. Vehicle registration and insurance information can be easily accessed through the state database.

The penalty for driving without insurance in Connecticut is as follows: A fine between $100 and $1,000 and a license suspension for one month for the first offense with a $175 reinstatement fee. A second offense will result in a fine between $100 and $1,000 and license suspension for six months with a $175 reinstatement fee.

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Teen Driver Laws in Connecticut

Connecticut employs a Graduated Driver’s Licensing program for young drivers, designed to reduce the high accident and fatality rate among teen motorists. In addition to that, the state of Connecticut has partnered with AAA to provide valuable safety tips and training for teen drivers and their parents/guardians.

Furthermore, the Connecticut DMV has the Center for Teen Safe Driving which provides additional resources such as safe driving videos and sample content knowledge tests for drivers seeking extra training and support.

Once a teenager has completed the requirements for getting a driver’s license, the next step is finding teen car insurance.

License Renewal for Older Drivers in Connecticut

Elderly drivers, ages 65 and older, have the option in Connecticut to renew their licenses every two years or every six years.

All other drivers are required to renew every six years. Just like the rest of the general population, senior drivers do not have to show proof of adequate vision at every renewal. And just like the rest of the general population, elderly motorists are prohibited from renewing online or by mail; all drivers in Connecticut must renew in person.

Getting Your License as a New Resident in Connecticut

If you are about to make the move to Connecticut, here’s what you need to know:

• Once you have established residency in Connecticut, you have 30 days to transfer your out-of-state license to Connecticut.
• The State of Connecticut Department of Motor Vehicles handles all matters related to vehicle licensing.
• With your current driver’s license, the completion of a form, acceptable forms of identification, and payment for two fees, you will be licensed to drive in CT.

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How to Renew Your License in Connecticut

Driver licenses must be renewed every six years. Renewals must be done in person. You should not wait until your license expires.

Driving Laws in Connecticut

Keep Right and Move Over Laws in Connecticut

Connecticut law requires that you keep right if driving slower than the average speed of traffic around you. Connecticut employs “Move Over” legislation, requiring drivers to move over for emergency vehicles while simultaneously lowering speed as they pass. The law bars drivers from driving in the lane next to shoulders where emergency and nonemergency workers are present.

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Maximum Speed Limit in Connecticut

Seat Belt Laws in Connecticut

Seat belt laws typically impact your car insurance, so it’s important to know what they are. In Connecticut, all drivers and front-seat passengers eight years and older are required to wear a seat belt. A violation is not a primary offense. P

Passengers in the back seat ages 8-15 years old (or weighing 60 pounds or more)  are permitted to use an adult safety belt. Not wearing a seat belt by itself cannot be a cause for your getting pulled over but should you be stopped for some other traffic violation, you can be ticketed for failure to wear a seat belt. The minimum fine is $50.

Connecticut law permits passengers to ride in the cargo area of a vehicle for people 16 and older. Passengers 15 and younger are permitted if belted. Exceptions are allowed for farming operations, parades, and hayrides from August through December.

Car Seat Laws in Connecticut

All children 2 years old or younger (or weighing less than 30 pounds) are required to be seated in a rear-facing child safety seat. Children 2-4 years old and weighing between 30-40 pounds can be seated in a rear-or-forward-facing child safety seat.

Children 5-7 years old weighing between 40-60 pounds may sit in a forward-or-rear-facing child restraint or a booster seat secured with a lap and shoulder belt. They are not permitted to use an adult seat belt under any circumstances.

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Rideshare Insurance in Connecticut

To date, no auto insurers in Connecticut offer rideshare car insurance specifically for ridesharing services.

Safety Laws in Connecticut

The goal of all safety laws should be to ensure the well-being of all motorists and pedestrians on the road. The Connecticut Department of Transportation (CTDOT) has compiled a list of helpful safety resources regarding traffic and safety laws. One of those resources is the Connecticut Highway Safety Plan.

DUI Laws in Connecticut

The Blood-Alcohol Content (BAC) limit in Connecticut is 0.08 percent; no High BAC limit exists in Connecticut.

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Drug-Impaired Driving Laws in Connecticut

Currently, Connecticut has no marijuana-specific drugged driving laws in effect.

Can’t-Miss Facts About Connecticut

Here are some can’t-miss facts about the Nutmeg State:

Vehicle Theft in Connecticut

Car theft is no laughing matter. Which cars in Connecticut are most popular with car thieves? Check out the chart below to find out.

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Vehicle Theft by City

The table below gives a breakdown of the top cities for auto theft within the state.

Risky and Harmful Behavior in Connecticut

For your information, we’ve compiled a list of all driving-related fatalities in Connecticut.

Traffic Fatalities by County

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Fatality Rates Rural Vs. Urban

Fatalities by Demographic

EMS Response Time

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Transportation in Connecticut

Connecticut, along with New York and New Jersey, forms a very congested tri-state intersection in the I-95 corridor of the Northeastern part of the United States of America. So, how bad is the commute look for the motorists of Connecticut? How does rush-hour traffic compare to the rest of the nation? What methods do they use to get to work? The answers to those questions are coming up next.

Car Ownership

Average Commute Time in Connecticut

At 24.9 minutes, Connecticut motorists almost mirror the national average of 25.3 minutes of commute time. Only 3.38 percent of Connecticut residents experience a “super commute” of 90 minutes or more.

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Preferred Commuter Method in Connecticut

Now you have all the essential facts about Connecticut driving laws and insurance requirements. Make sure to put all that knowledge to good use to get yourself the best insurance quotes possible.

Enter your ZIP code below to compare car insurance quotes and to declare your right to affordable car insurance in Connecticut from the top car insurance companies in the Constitution State.

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