Low-cost car insurance in Connecticut

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In Connecticut, GEICO offers the cheapest average premium at $1,633 per year. For comparison, the statewide average monthly cost is $227, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Connecticut, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

GEICO offers the lowest car insurance rates in Connecticut, at $1,633 per year, which is about $1,093 the state average.
GEICO has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,296.
The ZIP code 6388 has the low-cost car insurance rates in Connecticut, at an average annual rate of $2,253.

Low-cost car insurance businesses in Connecticut

When comparing insurers in Connecticut, GEICO leads the pack with an annual average of $1,633. That’s $1,093 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Connecticut.

Company	Average annual rates
GEICO	$1,633
Kemper	$1,737
Nationwide	$2,675
Allstate	$3,104
Amica	$3,133
Progressive	$3,265
State Farm	$3,390
Farmers	$3,498
The Hanover	$6,479
USAA*	$1,631

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Connecticut

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Connecticut

Drivers in the 6388 ZIP code pay the lowest average annual premium in Connecticut, at $2,253. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
6388	West Mystic	$2,253
6389	Yantic	$2,282
6340	Groton	$2,297
6355	Old Mystic	$2,297
6230	Abington	$2,310
6375	Quaker Hill	$2,313
6385	Waterford	$2,313
6072	Somersville	$2,317
6246	Grosvenor Dale	$2,319
6266	South Windham	$2,321

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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.

Car insurance rates in Connecticut by city

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Low-cost car insurance in Connecticut by age

Young drivers often face the highest premiums. In Connecticut, for example, a 16-year-old pays $10,901 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$10,358
Young Adults (20-24)	$5,217
Adults (25-60)	$2,752
Seniors (65-75)	$2,791

Low-cost car insurance in Connecticut by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Connecticut

Just one speeding ticket in Connecticut can raise your rates by 36% – $974 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,633	$1,855	14%	$222
Kemper	$1,737	$2,713	56%	$976
State Farm	$3,390	$3,635	7%	$245
Progressive	$3,265	$4,081	25%	$816
Farmers	$3,498	$4,687	34%	$1,189
Amica	$3,133	$5,434	73%	$2,301
Nationwide	$2,675	$5,696	113%	$3,021
The Hanover	$6,479	$8,218	27%	$1,740
USAA*	$1,631	$1,876	15%	$245

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Connecticut

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. GEICO has the lowest average rate at $2,296 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Connecticut with the most affordable rates for drivers with an accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,633	$2,296	41%	$663
Kemper	$1,737	$2,911	68%	$1,174
State Farm	$3,390	$3,635	7%	$245
Amica	$3,133	$4,524	44%	$1,390
Nationwide	$2,675	$4,534	69%	$1,859
Progressive	$3,265	$5,094	56%	$1,829
Allstate	$3,104	$5,544	79%	$2,439
Farmers	$3,498	$7,906	126%	$4,408
The Hanover	$6,479	$10,227	58%	$3,748
USAA*	$1,631	$2,433	49%	$802

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Connecticut

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Connecticut are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Kemper	$1,737	$2,755	$1,018	59%
State Farm	$3,390	$3,635	$245	7%
Progressive	$3,265	$3,768	$502	15%
Allstate	$3,104	$4,444	$1,340	43%
GEICO	$1,633	$5,493	$3,860	236%
Nationwide	$2,675	$5,696	$3,021	113%
Farmers	$3,498	$8,810	$5,313	152%
Amica	$3,133	$12,192	$9,058	289%
The Hanover	$6,479	$36,136	$29,657	458%
USAA*	$1,631	$3,289	$1,658	102%

*USAA is only available to military community members and their families.

Average cost of car insurance Connecticut

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Connecticut, the average cost of full coverage is $213 more compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Connecticut, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Connecticut.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Connecticut. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

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.