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Car insurance is essential in Connecticut, but finding the right plan at the right price isn’t always easy. That’s where our Connecticut car insurance calculator can help.

Use our auto insurance calculator to see your estimated annual and monthly costs in Connecticut. It factors in your vehicle’s make and model so you can make informed coverage decisions.

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

Our calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.

  • 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?

Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.

For example, insuring a Honda Accord LX around $2,356 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $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

In Connecticut, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.

For instance, full coverage car insurance for a 2023 Honda Accord LX in Connecticut costs $4,536 per year. On the other hand, the Honda Accord EX-L trim costs $3,919 annually to insure – a difference of $617.

Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding.

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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Car insurance costs in Connecticut by city

Car insurance rates in Connecticut vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Bridgeport pay $3,947 annually for full coverage, while those in West Mystic pay closer to $2,253 per year.

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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Want to know what you’ll pay? Try our Connecticut car insurance calculator

Our Connecticut car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit.

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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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