CheapInsurance.com has put together information, car insurance quote comparisons, and expert tips to help you find affordable car insurance in Connecticut.

Connecticut is home to the prestigious Yale University, beautiful beaches, and popular attractions such as the Mark Twain House & Museum and Mystic’s Seaport museum.

The roads in the Constitution State are well-maintained which makes driving a pleasure, but before you travel on Interstate 95 to get there, you must make sure you have car insurance.

We’ve found that the average monthly cost of minimum liability car insurance in Connecticut is $215.81.

Navigating Nutmeg State Roads: Updates & Insurance Insights for Connecticut 2024

Buckle up and explore picturesque Connecticut with these essential 2024 updates:

Connecticut Vehicle Code Changes:

  • Distracted driving crackdown: As of October 1st, 2024, holding a phone while driving is completely prohibited, even at stoplights. Hands-free devices remain acceptable. (Source: Connecticut Public Act 22-119)
  • Motorcycle lane splitting: Not explicitly legal, but filtering (moving between lanes in slow traffic) is allowed if done safely and not exceeding 10 mph faster than surrounding traffic. (Source: Connecticut Department of Motor Vehicles)
  • Electric vehicle (EV) incentives: Connecticut offers EV purchase rebates and tax credits to encourage electric mobility. Stay informed through the Department of Energy and Environmental Protection. (Source: Connecticut Department of Energy and Environmental Protection)

Average Auto Insurance Rates in Connecticut (2024):

(Sources: The Zebra, ValuePenguin)

CompanyMinimum CoverageFull Coverage
State Farm$197$531
Geico$182$476
Progressive$204$462
Liberty Mutual$211$499
Farmers$220$518

Remember, Connecticut rates can vary considerably depending on factors like ZIP code, driving history, vehicle type, and desired coverage.

Car insurance quotes vary on an individual basis, depending on:

  • The person’s driving history.
  • Credit rating.
  • Marital status.
  • Age.
  • Gender.
  • Vehicle type.
  • Insurance provider.
  • Location within the state.
  • Coverage type.
  • Set deductible.

To help you find the cheapest car insurance companies in Connecticut, we’ve compared quotes from these car insurers:

  • Progressive.
  • Bristol West.
  • Travelers.
  • CSAA.
  • AAA Insurance.

Because the cost of automobile insurance in Connecticut is dependent on your individual driving profile, we’ve gone a step further and compared the cost of Connecticut auto insurance for these types of drivers:

  • Good drivers (those with a clean driving record).
  • Young drivers (those aged between 16-25).
  • Bad drivers (those with a history of traffic violations).

Is It Legal to Drive without Car Insurance in Connecticut?

The owner of a motor vehicle in Connecticut who drives without maintaining car insurance is guilty of a class C misdemeanor.

The penalty for this offense is a fine of up to $500, imprisonment of up to three months, or both.

Mandatory Minimum Auto Insurance in Connecticut

While each U.S. state will have different minimum liability insurance requirements, it always addresses three key points:

  • Bodily injury coverage per person: This covers medical bills, legal fees, or lost wages you might be required to pay to an individual third party.
  • Bodily injury coverage per accident: This is the maximum amount your insurer will pay out for medical bills, legal fees, or lost wages in the event of an accident, regardless of how many people are injured.
  • Property damage coverage per accident: This is the maximum amount your insurer will pay out for repairs or a replacement if you cause damage to another person’s property.

The minimum liability auto insurance requirements in Connecticut are:

  • Bodily injury liability coverage: $25,000 per person / $50,000 per accident.
  • Property damage liability: $25,000 per accident.
  • Uninsured/underinsured motorist bodily injury: $25,000 per person / $50,000 per accident.

What Is Uninsured Motorist (UM) Coverage?

Uninsured motorist coverage protects you if another driver hits you but doesn’t have liability coverage. It also protects you if you’re the victim of a hit-and-run accident.

UM coverage is only required in certain states.

If you’re in an accident with an uninsured motorist and you don’t have UM coverage, you’ll have to pay your medical and vehicle repair bills out of your own pocket.

What Is Underinsured Motorist (UIM) Coverage?

Underinsured motorist coverage protects you if you’re hit by a driver who has some liability car insurance, but not enough to cover your repair or medical costs.

Like UM coverage, UIM is not required in every state.

So, if you decide not to buy UIM coverage and you’re in an accident caused by an underinsured motorist, you’ll likely have to pay at least some of your medical and repair bills with your own money.

The at-fault driver’s insurance will cover those bills up to their policy’s limits, but you’ll need to cover the rest.

Key Point: What Is the Difference Between Uninsured and Underinsured Motorist Coverage?

Uninsured Motorist Coverage  

  • Uninsured motorist (UM) insurance provides coverage when the policyholder is in an accident with someone who does not have any insurance.

Underinsured Motorist Coverage

  • Underinsured motorist coverage provides protection in case of an accident in which the at-fault driver doesn’t have enough insurance to cover all damages.

Minimum Liability Insurance in Connecticut

Minimum liability vehicle insurance is the least amount of auto insurance coverage drivers in the U.S. are required to take out, and many people opt for it because it is relatively cheap.

However, in the event of an accident, it only covers the other driver’s injuries and property damage and does not include protection for damage to your vehicle or injuries sustained by you or your passengers.

If you’re found to be at-fault in a car accident and do not meet the minimum liability insurance requirements, you will be held personally responsible for paying the other party’s medical bills, legal bills, and lost wages.

This basic coverage pays for medical bills, vehicle damage, and costs for drivers, passengers, and pedestrians who incur losses from a car accident you cause, up to the coverage limits.

We have found that on average, the price of minimum liability car insurance in Connecticut is $245.27 per month.

AAA Insurance offers the lowest car insurance rates for minimum liability coverage, which costs an average of $139.00 per month.

Cheapest Minimum Liability Car Insurance in Connecticut

ProviderFairfield CountyHartford CountyNew Haven CountyNew London CountyLitchfield CountyAverage
Progressive$151.00$164.00$182.00$113.00$110.00$144.00
Bristol West$457.00$489.00$575.00$456.00$426.00$480.60
Travelers$181.00N/AN/AN/AN/A$181.00
CSAAN/A$315.00$320.00$262.00$230.00$281.75
AAA InsuranceN/A$154.00$165.00$125.00$112.00$139.00

Find Cheap Comprehensive Car Insurance in Connecticut

Comprehensive coverage provides you with full cover in the event of a car accident, a natural disaster, or fire.

It covers damage to your car from animals, falling trees, theft, hijacking, and vandalism.

Comprehensive insurance coverage also covers any claims if your vehicle has been hit by a third party who may not have automobile insurance.

If you take out a car loan that you repay over time, you may be required by the bank or the lending company to purchase comprehensive coverage as well as collision coverage.

If you have been in an accident, repairing car damage can cost thousands of dollars.

Without comprehensive car insurance, you risk finding yourself in a situation where you can’t drive your car because you can’t afford to get it repaired.

To help you find the most affordable comprehensive car insurance in Connecticut, we’ve compared the rates offered by four auto insurers.

We’ve found that the cheapest car insurance quotes for full coverage is Travelers, at a cost of $180.40 per month.

Cheapest Full Coverage Insurance in Connecticut

ProviderFairfield CountyHartford CountyNew Haven CountyNew London CountyLitchfield CountyAverage
Progressive$183.00$202.00$233.00$220.00$210.00$209.60
Travelers$208.00$173.00$180.00$176.00$165.00$180.40
CSAAN/A$298.00$300.00$245.00$230.00$268.25
AAA InsuranceN/A$207.00$210.00$208.00$195.00$205.00

Cheap Car Insurance in Connecticut for Drivers with Clean Driving Records

Drivers with a clean driving record are in a good position to find cheaper insurance in Connecticut. Auto insurance companies consider good drivers to be people who:

  • Have not been the cause of any car accidents.
  • Have committed no traffic offenses.
  • Have a good credit score.
  • Have no speeding tickets.
  • Have no reckless driving charges.
  • Have no DUI convictions.

As an incentive, many car insurance companies offer a good driver discount for the cost of car insurance, saving you more money.

Some auto insurance companies will offer an additional discount if you have completed an accredited defensive driving course.

We’ve looked at the average car insurance rates offered by auto insurance companies in Connecticut for good drivers.

The cheapest insurance company for good drivers in Connecticut is Travelers with an average monthly rate of $149.20.

Cheapest Car Insurance for Good Drivers (Clean Driving Records) in Connecticut

ProviderFairfield CountyHartford CountyNew Haven CountyNew London CountyLitchfield CountyAverage
Progressive$163.00$178.00$202.00$201.00$199.00$188.60
Bristol West$505.00$546.00$655.00$506.00$470.00$536.40
Travelers$181.00$150.00$140.00$145.00$130.00$149.20
CSAAN/A$341.00$390.00$280.00$275.00$321.50
AAA InsuranceN/A$176.00$190.00N/AN/A$183.00

Cheap Car Insurance in Connecticut for High-Risk Drivers

Drivers with incidents on their record such as an at fault accident or a DUI (driving under the influence) citation often pay higher vehicle insurance rates.

The reason for this is that insurance companies believe these drivers are more likely to make future claims against their auto insurance policy.

Some of the offenses that may lead to someone being considered a high-risk driver include:

  • Receiving a DUI conviction.
  • Reckless driving.
  • Speeding tickets.
  • Being found at-fault in a major accident.
  • Having too many points on your driving record.
  • Driving without meeting the minimum car insurance requirements.
  • Unpaid child support payments.
  • Unpaid insurance policy premiums.
  • A poor credit rating.

The least expensive car insurance company for bad drivers is Progressive with an average rate of $217.40 and the most expensive car insurance company is Bristol West with average monthly rates of $701.20.

Cheap Auto Insurance For Bad Drivers in Connecticut (DUI, Traffic Ticket)
ProviderFairfield CountyHartford CountyNew Haven CountyNew London CountyLitchfield CountyAverage
Progressive$208.00$248.00$254.00$192.00$185.00$217.40
Bristol West$636.00$775.00$818.00$637.00$640.00$701.20

Cheapest Car Insurance in Connecticut for Young Drivers

Since young drivers have less experience behind the wheel, insurers often charge them higher rates compared to more mature drivers.

A full coverage policy is recommended for teen drivers if they can afford it.

Teens tend to get into accidents more often than adult drivers, so they’re more likely to benefit from having repairs on their car covered.

A minimum coverage policy though it is much cheaper could ultimately cost more if a teen gets into a serious accident and has to pay for repairs completely out of pocket.

Good student and driver safety course discounts can help young drivers reduce their rates, as can staying on a parent’s policy for as long as possible.

On average, most drivers will see their cost of insurance decrease as they get older with a significant reduction once they’ve turned 25 years old.

We’ve compared the cost of car insurance for young drivers to help you save on auto insurance costs.

The cheapest auto insurance for young drivers is offered by Progressive at $249.60 per month.

Cheapest Car Insurance for Young Drivers in Connecticut

ProviderFairfield CountyHartford CountyNew Haven CountyNew London CountyLitchfield CountyAverage
Progressive$220.00$236.00$257.00$260.00$275.00$249.60
Bristol West$587.00$590.00$320.00$346.00$357.00$440.00

Need Cheap Car Insurance in Other States?

Out of state insurance is illegal in almost all U.S. states and is considered to be insurance fraud. This means that your car insurance must be registered in the state you live in.

Some of the penalties for committing insurance fraud include:

  • Up to five years in prison.
  • A $50,000 fine.

If you plan to move from Connecticut, you will need to find a new car insurance company in the state you move to.

You will usually have a 90-day grace period to cancel your car insurance and get insurance in your new state.

Top Tips for Finding Affordable Car Insurance

Take note of lender requirements

If your car is financed or leased, your lender is likely to require that you have liability insurance, comprehensive coverage, and collision insurance.

In fact, most car dealerships won’t let you drive the car off the lot until you can prove you have full coverage auto insurance.

Key Point: How Can I Lower Insurance Rates for Full Coverage Car Insurance?

  • Most insurance companies offer a discounted rate when you bundle your auto insurance with other products you have with them, such as home insurance, life insurance, renters insurance and other car insurance policies.
  • Another option is to increase your auto insurance deductible. This is the amount of money you would have to pay out of pocket before your insurance would start paying. By increasing your deductible, you are essentially taking on more risk, but you can save.

To find out how you can reduce your car insurance rates, read our article to learn more.

Compare quotes from different auto insurance companies

Even if you think you’ve found a great deal on car insurance, it’s always a good idea to shop around for low cost car insurance.

You can do this yourself, but going through an insurance agent can save you time and money.

The only way to be completely certain that you’re getting the best rates for insurance is to compare cheap car insurance quotes from multiple insurers.

You can do this yourself, but it is time consuming. You’ll need to phone each car insurance company individually or fill out an online form for them to give you a auto insurance quote.

To save time, simply enter your zip code at the top of this page so you can compare affordable car insurance quotes in Connecticut from different insurance providers.

Car Insurance in Connecticut FAQs

Should you get the cheapest car insurance in Connecticut?

In some cases, the cheapest insurance is not necessarily offer the best service. You can save on car insurance premiums by choosing lower coverage limits, but these may leave you without sufficient coverage.

For instance, if you purchase a minimum coverage car insurance in Connecticut, you will not have collision and comprehensive coverage for damages to your vehicle.

Is car insurance essential in Connecticut?

Yes, car insurance is required for all drivers in Connecticut. The minimum required amounts for liability insurance is:

  • $25,000 per person.
  • $50,000 per accident for bodily injury.
  • $25,000 per accident for property damage liability.

Uninsured motorist coverage is also required by Connecticut law and must be a minimum of $25,000 per person and $50,000 per accident.

When should I get car insurance in Connecticut?

You will have to show proof of insurance upon registering your vehicle in Connecticut, so you will need to purchase insurance before attempting to register it.

How much is car insurance in my city in Connecticut?

Connecticut car insurance rates vary by city. Rural and suburban drivers may see lower rates than those in major cities, but it depends on other factors as well, such as your driving history, credit rating, age, and vehicle type.

What happens if my car is not properly insured in Connecticut?

Insurance companies are required to notify the Connecticut Department of Motor Vehicles (DMV) if drivers stop paying for their insurance coverage.

Driving without car insurance could result in a fine of $100, and suspension of your registration and license for one month.

A second violation will result in a suspension of six months. If you fail to purchase or reinstate coverage, you will be prohibited from registering another vehicle in the state.

Is Connecticut car insurance higher than insurance in other states?

The average rate for car insurance in Connecticut is more expensive than in most other states. Car insurance is more expensive in Connecticut due to the high population density and traffic congestion, and because drivers must carry uninsured/underinsured motorist coverage.

Are You Looking for the Cheapest Car Insurance Rates in Connecticut?

If you are looking for affordable auto insurance, CheapInsurance.com is here to help you!

Head to the top of this page and enter your zip code to get an inexpensive car insurance quote today.