Best & Cheapest Car Insurance Quotes in Connecticut (2025)
Travelers has the cheapest car insurance quotes in Connecticut, at $127 per month for full coverage. That's less than half the state average.
Find Cheap Car Insurance Quotes in Connecticut
Best and cheapest car insurance in Connecticut
- Cheapest full coverage: Travelers, $127/mo
- Cheapest minimum liability: Travelers, $49/mo
- Cheapest for young drivers: Geico, $270/mo
- Cheapest after a ticket: Travelers, $172/mo
- Cheapest after an accident: Travelers, $142/mo
- Cheapest for teens after a ticket: Amica, $288/mo
- Cheapest after a DUI: Travelers, $219/mo
- Cheapest for poor credit: Travelers, $251/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Travelers is often the cheapest option for CT drivers. However, it doesn’t have very good customer ratings. If you can afford it, Amica and State Farm often have cheaper-than-average rates and dependable customer service.
USAA is the best choice for Connecticut drivers with military ties. USAA has some of the cheapest rates and excellent customer service. But, it's only available to active-duty military, veterans and some of their family members.
Cheapest car insurance in Connecticut: Travelers
Travelers has the cheapest full coverage insurance in Connecticut.
Find Cheap Car Insurance Quotes in Connecticut
Travelers is the cheapest choice for Connecticut drivers on a budget. Full coverage from Travelers costs $127 per month, which is $178 per month cheaper than the state average. But its customer service reviews aren’t the best.
For better customer service, State Farm is a good option. It costs more, at $256 a month, but you’ll still pay $49 less than the state average for full coverage.
Cheapest full coverage car insurance companies in CT
Company | Monthly rate | |
|---|---|---|
| Travelers | $127 |
| Geico | $191 |
| State Farm | $256 |
| Amica | $263 |
| Allstate | $305 |
*USAA is only available to current and former military members and their families.
Data-powered research on Connecticut car insurance
| Data-powered research on CT car insurance |
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Cheapest liability insurance quotes in Connecticut: Travelers
Travelers is the cheapest car insurance company in Connecticut for a minimum liability policy. Quotes from Travelers average $49 per month. That's less than half the CT state average.
Cheapest CT car insurance companies
Company | Monthly rate | |
|---|---|---|
| Travelers | Travelers | $49 |
| Geico | Geico | $79 |
| Amica | Amica | $109 |
| State Farm | State Farm | $124 |
| Allstate | Allstate | $140 |
*USAA is only available to current and former military members and their families.
Consider USAA if you can get it as a veteran, current military member or close relative to a military member. It has some of the best customer service in Connecticut and is only a little more expensive than Travelers.
Find Cheap Car Insurance Quotes in Connecticut
Cheapest car insurance for young drivers in Connecticut: Geico and Amica
Geico and Amica have the best car insurance rates for young drivers in Connecticut.
At Geico and Amica, young drivers pay about $270 per month for minimum liability. Full coverage for teens is $660 per month at Geico and $668 at Amica. But Amica has much better service ratings.
Cheapest CT car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $270 | $660 |
| Amica | $270 | $668 |
| State Farm | $410 | $812 |
| Allstate | $422 | $717 |
| Travelers | $517 | $1,395 |
*USAA is only available to current and former military members and their families.
Eighteen-year-olds pay about three and a half times more than an older driver would pay for the same minimum coverage policy. That's because teen drivers are more likely to get in crashes or make insurance claims than older adults.
Connecticut has a handful of traffic laws designed to help keep teen drivers safe.
For example, if you're younger than 18 years old, you can't use cell phones or other electronic devices while driving, even in hands-free mode. It's important to follow these laws to avoid tickets, which can make your car insurance bill even more expensive.
Cheapest car insurance after a speeding ticket in CT: Travelers
Travelers has the cheapest rates in Connecticut after a speeding ticket. The company's average rate of $172 per month is less than half the state average overall.
Cheapest car insurance in CT with a ticket
Company | Monthly rate |
|---|---|
| Travelers | $172 |
| State Farm | $275 |
| Amica | $305 |
| Allstate | $305 |
| Geico | $344 |
*USAA is only available to current and former military members and their families.
On average, a speeding ticket will raise insurance rates for CT drivers by 21%.
Cheapest car insurance rates after an accident in CT: Travelers
Travelers offers the cheapest car insurance rates for Connecticut drivers who have had an accident. On average, you'll pay $142 per month for a full coverage Travelers policy after an accident.
Cheapest CT car insurance with an at-fault accident
Company | Monthly rate |
|---|---|
| Travelers | $142 |
| State Farm | $256 |
| Geico | $344 |
| Amica | $399 |
| Progressive | $515 |
*USAA is only available to current and former military members and their families.
On average, an accident in Connecticut raises rates by 66%.
After you get into an accident, shop around for car insurance to get the best rates. Insurance companies weigh factors like car accidents differently. Allstate and Farmers customers usually see their rates more than double, while Travelers increases them by only 12%. There is no increase with State Farm.
Wait until your existing policy is about to expire before you start shopping. Your current insurance company won't consider your recent incident until it recalculates your rates when you renew. Plus, the longer ago your accident, the lower your rate will be.
Cheapest car insurance in CT for young drivers after a ticket or accident: Amica
Amica has the cheapest car insurance in Connecticut for young drivers after a speeding ticket. It charges an 18-year-old in Connecticut an average of $288 per month after one ticket. That's 49% less than the state average.
Amica also has the most affordable rates after an accident, at $326 per month for minimum liability insurance. That's less than half the state average.
Best car insurance rates in Connecticut for teens with bad driving records
Company | Ticket | Accident |
|---|---|---|
| Amica | $288 | $326 |
| Geico | $367 | $406 |
| Allstate | $422 | $1,169 |
| State Farm | $445 | $410 |
| Progressive | $577 | $598 |
*USAA is only available to current and former military members and their families.
A speeding ticket raises rates for CT teen drivers by 16%, while an accident bumps up rates by 50%.
Cheapest car insurance in Connecticut with a DUI: Travelers
Travelers has the most affordable quotes if you're convicted of driving under the influence. On average, you'll pay just $219 per month after a DUI. That's less than half the Connecticut state average.
Cheapest CT DUI car insurance
Company | Monthly rate |
|---|---|
| Travelers | $219 |
| Progressive | $402 |
| Allstate | $440 |
| State Farm | $586 |
| Geico | $787 |
*USAA is only available to current and former military members and their families.
A single DUI conviction will cause your car insurance rate to almost double in Connecticut.
Cheapest CT car insurance for drivers with poor credit: Travelers
Travelers has the best rates for a full coverage policy for a driver with poor credit in Connecticut. It costs $251 per month on average. That's less than half the state average of $551.
Cheap car insurance in Connecticut with bad credit
Company | Monthly rate |
|---|---|
| Travelers | $251 |
| Geico | $286 |
| Progressive | $506 |
| Allstate | $512 |
| Nationwide | $585 |
*USAA is only available to current and former military members and their families.
While your credit score isn't related to your ability to drive safely, insurance companies believe people with lower credit scores tend to file claims more often. As a result, drivers with poor credit pay rates that are 81% higher than drivers with good credit in Connecticut.
Best car insurance companies in Connecticut
State Farm and USAA have the top-rated car insurance in Connecticut.
Both companies offer a great combination of trustworthy customer service and lower-than-average rates. However, USAA car insurance is an option only for military members, veterans and their families. Amica is also a good option, with strong customer service and often cheaper rates.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Amica | 735 | A+ | |
| Nationwide | 645 | A | |
| Farmers | 622 | A |
Average Connecticut car insurance rates by city
Bridgeport, up the coast from NYC, has the most expensive car insurance in Connecticut, at $431 per month.
Residents of Bolton, a small town outside Hartford, pay the least for coverage, at just $269 per month.
Where you live in Connecticut can impact the quotes you get for auto insurance. Factors including road conditions and auto theft in a given area can mean more claims, which in turn means higher rates.
City | Monthly rate | % from average |
|---|---|---|
| Abington | $300 | -2% |
| Amston | $274 | -10% |
| Andover | $270 | -12% |
| Ansonia | $341 | 12% |
| Ashford | $279 | -9% |
Minimum car insurance requirements in Connecticut
Drivers in Connecticut are required to have car insurance in order to drive on public roads. You must have a policy that includes 25/50/25 liability coverage and underinsured motorist coverage.
Coverage | Limit |
|---|---|
| Bodily injury (BI) liability | $25,000 per person and $50,000 per accident |
| Property damage (PD) liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury (UM/UIMBI) | $25,000 per person and $50,000 per accident |
What's the best car insurance to get in Connecticut?
A full coverage car insurance policy is the best choice for most people. It includes the liability coverage required by the state, along with collision and comprehensive coverage.
- Collision coverage pays for repairs to your vehicle after a crash, even if you caused it.
- Comprehensive coverage pays for things outside your control, like an accident with a deer, hail damage or theft.
If you lease or finance your car in Connecticut, you’ll usually have to add collision and comprehensive coverage. It's a good idea to have collision and comprehensive car insurance if your car is worth more than $5,000 or newer than eight years old.
Only consider minimum liability car insurance if you want the cheapest way to satisfy Connecticut's insurance requirements. These include bodily injury liability, property damage liability and uninsured/underinsured motorist coverage. But know that if you crash your car, you'll have to pay for repairs yourself.
Frequently asked questions
Is Amica cheaper than Travelers?
Travelers offers cheaper full coverage rates than Amica in Connecticut. You’ll pay about $127 per month for Travelers and $263 for Amica. But Amica has the lowest average rates for young drivers with a problem on their records and really good customer service.
Who has the cheapest car insurance quotes in Connecticut?How much does car insurance cost in Connecticut?
A minimum coverage car insurance policy in Connecticut costs an average of $141 per month. A full coverage policy costs an average of $305 per month.
How much car insurance coverage do I need in Connecticut?
Connecticut state law requires that drivers have $25,000 per person and $50,000 per accident in bodily injury liability auto insurance coverage. You'll also need $25,000 in property liability coverage and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
Is car insurance cheaper in Connecticut than New York?
NATIONAL DATA NEEDED No, Connecticut car insurance costs more than insurance in New York State. The average full coverage rate in CT costs $305 per month, while New York state residents pay $226 per month. But rates in Connecticut are cheaper than in New York City, where the typical price is $378 per month.
Methodology
ValuePenguin collected thousands of quotes from every ZIP code across Connecticut from some of the state's largest insurance companies for a 30-year-old man with good credit who drives a 2018 Honda Civic EX.
For our minimum coverage policy, quotes were taken using the minimum required limits in Connecticut. Full coverage policies included higher liability limits.
- Bodily liability: $50,000 per person/$100,000 per accident
- Personal injury protection: $10,000
- Property damage: $50,000 per accident
- Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from insurance company filings and should be used for comparative purposes only — your own quotes may be different.
Senior Writer
Jenn Jones is a Senior Writer at LendingTree where she covers auto, home, renters and motorcycle insurance topics.
Previously an editor for USA TODAY Blueprint and a finance manager at World Car dealerships, she has more than a decade of experience in the world of personal finance and a deep interest in sharing knowledge that empowers others. She’s also served as a freelance translator, copy editor, writer and researcher. She graduated from the University of Virginia with a B.S. in commerce and a B.A. in Chinese language and literature.
How insurance helped Jenn
Jenn first came to appreciate pet insurance when annual checkups for her cat and dog totaled more than $700.
Expertise
- Auto insurance
- Renters insurance
- Condo insurance
- Home insurance
Referenced by
- USA TODAY
- MSN
- F&I Magazine
- Automotive News
Education
- BS, Commerce, University of Virginia
- BA, Chinese Language and Literature, University of Virginia
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
