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If you’re a driver in Connecticut, you probably know the importance of having car insurance. But finding the right coverage at a price that fits your budget isn’t always easy. That’s where our Connecticut car insurance calculator comes in.

Our auto insurance calculator estimates your average annual and monthly costs in Connecticut based on your vehicle’s make and model, helping you make smarter coverage decisions.

How to use our car insurance calculator to estimate your rates in Connecticut

Our calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.

  • Step 1: Choose the model year of your car.
  • Step 2: Choose the make and model of your car.
  • Step 3: Choose your state.
  • Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
  • Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.
Data last refreshed in 2025
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Does your vehicle model affect car insurance rates in Connecticut?

A vehicle’s make and model can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For example, full coverage for a Honda Accord LX costs $2,356 per year, while the average premium for a Honda CR-V in Connecticut is $2,015 – a difference of $341.

How your car’s model year affects insurance rates in Connecticut

In Connecticut, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $4,536 year to insure, whereas the 2024 model costs $2,247 annually.

Know the minimum insurance you need in Connecticut

Every state has specific car insurance requirements. In Connecticut, you must carry at least the minimum liability coverage to drive legally, which generally includes:

  • Bodily injury liability per person and per accident
  • Property damage liability

While these limits meet Connecticut’s legal requirements, many drivers choose higher coverage for greater financial security after an accident. Failing to maintain the required insurance can lead to penalties such as fines, license suspension or vehicle impoundment.

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in Connecticut

Your car’s trim is one of the factors insurers use to calculate premiums in Connecticut. Insurance companies take into account the car’s value, safety features, repair expenses and theft rates. As a result, trims with luxury features or powerful engines tend to be more costly to insure.

Full coverage car insurance for a 2023 Honda Accord LX in Connecticut is about $4,536 per year. On the other hand, the 2023 Honda Accord EX-L trim costs $3,919, which is $617 annually.

Higher-end trims often come with expensive features like luxury interiors or advanced infotainment systems, which make the vehicle more costly to replace. Performance trims with bigger engines may also carry higher premiums due to the added risk associated with faster driving.

Car insurance estimate in Connecticut

Drivers in Connecticut pay an average of $2,726 per year or $227 per month for full-coverage car insurance. Your exact premium could differ based on the level of coverage you choose. The table below shows estimated rates for various coverage limits in Connecticut. However, your actual rate may vary depending on your driving history, vehicle type and other personal factors.

Coverage levelAverage annual rateAverage monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,726$227
Liability Only – 50/100/50 BI/PD$1,119$93
State Minimum BI/PD$1,039$87
Non-Owners$991$83
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How much is car insurance in Connecticut by city

In Connecticut, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Bridgeport pay about $3,947 per year for a full coverage policy, where as drivers in West Mystic pay $2,253 annually.

Top 20 cities with cheapest car insurance rates in Connecticut

CityAvg. Annual PremiumAvg. Monthly Premium
West Mystic$2,253$188
Yantic$2,282$190
Groton$2,297$191
Old Mystic$2,297$191
Abington$2,310$193
Quaker Hill$2,313$193
Waterford$2,313$193
Somersville$2,317$193
Grosvenor Dale$2,319$193
South Windham$2,321$193
Hadlyme$2,333$194
North Westchester$2,335$195
Oneco$2,335$195
Ballouville$2,338$195
Hanover$2,342$195
Pawcatuck$2,342$195
Stonington$2,342$195
East Killingly$2,344$195
Rogers$2,344$195
Scotland$2,344$195
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Top 20 cities with most expensive car insurance in rates Connecticut

CityAvg. Annual PremiumAvg. Monthly Premium
Bridgeport$3,947$329
Hartford$3,624$302
New Haven$3,553$296
South Britain$3,496$291
Botsford$3,411$284
Hawleyville$3,394$283
Bethany$3,391$283
Ansonia$3,357$280
Derby$3,346$279
Stevenson$3,336$278
Waterbury$3,331$278
Naugatuck$3,308$276
Seymour$3,295$275
Middlebury$3,293$274
Redding Ridge$3,276$273
Milldale$3,234$269
West Haven$3,229$269
Woodbridge$3,211$268
Hamden$3,186$265
Meriden$3,183$265
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Estimate your Connecticut car insurance cost with our calculator

Our Connecticut car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

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Shivani Gite
Contributing Writer

 
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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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