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The Best Cheap Connecticut Car Insurance for 2023

Updated April 1, 2022
Kailey Hagen
By: Kailey Hagen

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Car insurance protects the policyholder, their passengers, and other drivers out on the roads, but it can be a huge expense, especially in Connecticut. The state's high average premiums send many on a quest to find the cheapest car insurance in Connecticut. Below is a list of which insurers fit the bill for several common driver profiles.

  • Best for typical drivers: Geico
  • Best for drivers with prior accidents: Geico
  • Best for drivers with prior speeding tickets: Geico
  • Best for young drivers: Kemper
  • Best for senior drivers: Geico
  • Best for drivers looking for minimum coverage: Geico
  • Best for drivers with poor credit: Geico

Best for typical drivers

Connecticut auto insurance premiums are quite high, even for drivers with clean records. The average female with no accidents or speeding tickets pays about $2,661 per year while the average male pays about $2,716 per year. But Geico can give these drivers the same coverage for less than half of that. It charges female drivers just $897 per year and males $887 per year on average.

Geico

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Best for typical Connecticut driversGeico
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The following companies also made the list of the best car insurance companies in Connecticut for typical drivers:

  • Kemper, where females pay about $1,317 per year and males pay about $1,295 per year
  • Progressive, where the average annual premium for drivers with a clean record is $1,338 for females and $1,332 for males

Best for drivers with prior accidents

Geico also offered the best Connecticut auto insurance rate for drivers with a prior accident on their record. Its average annual premium for this group was just $1,312 -- considerably less than the $3,602 state average.

These companies also offer cheap auto insurance in Connecticut to drivers with an accident history:

  • State Farm, where these drivers pay an average annual premium of $1,765
  • Kemper, which charges these drivers about $1,910 per year on average

Best for drivers with prior speeding tickets

Speeding tickets also raise the average Connecticut auto insurance premium to $3,158 per year. But once again, Geico offers customers a much better deal. Drivers with one speeding ticket can get coverage for about $1,108 per year on average.

These companies also offer some of the best car insurance in Connecticut to drivers with a single speeding ticket:

  • State Farm, which charges these drivers about $1,765 per year
  • Progressive, which has an average annual premium of $1,771 for this group

Best for young drivers

Young drivers pay a whopping $8,877 per year for Connecticut auto insurance, on average. This time, it's Kemper that comes out on top with an average annual premium of just $2,982. This is based on the profile of an 18-year-old male driver with a clean record.

The following insurers also offer cheap car insurance quotes in Connecticut to teen drivers:

  • Geico, where teens pay about $3,114 per year on average
  • State Farm, where the typical 18-year-old driver pays about $4,202 per year

Best for senior drivers

Seniors pay a pretty reasonable $2,560 per year for their Connecticut auto insurance. But customers who choose Geico could pay closer to $960 per year.

Seniors can also get affordable car insurance in Connecticut with these companies:

  • Progressive, where the typical 65-year-old driver pays about $1,289 per year for Connecticut auto insurance
  • Kemper, where senior drivers pay about $1,305 per year on average

Best for drivers looking for minimum coverage

Connecticut minimum car insurance runs drivers about $1,206 per year. But Geico drivers pay about a third of that. Its average annual premium for minimum coverage is $402.

Drivers can also score cheap liability car insurance in Connecticut with these insurers:

  • Kemper, where the average annual premium for minimum coverage is $520
  • State Farm, where minimum coverage costs about $740 per year on average

Best for drivers with poor credit

Poor credit raises the average cost of Connecticut auto insurance to $4,870 per year. But Geico drivers only pay about $1,526 per year.

These companies also offer affordable Connecticut auto insurance rates to drivers with poor credit:

  • Kemper, where drivers with bad credit pay about $1,886 per year on average
  • Progressive, where the average annual premium for this group is about $2,240

Average car insurance cost in Connecticut compared to the national average

How much is car insurance in Connecticut? It might surprise some to know that it's well above the national average. Here's a look at how Connecticut auto insurance rates stack up against the rest of the country for several common driver profiles.

Average Rate Category Connecticut National Average
Overall $3,435 $2,646
Young drivers $8,877 $5,988
1 accident on driving record $3,602 $3,092
1 speeding ticket on driving record $3,158 $2,766

Connecticut auto insurance laws

All drivers should familiarize themselves with the following Connecticut car insurance laws:

Connecticut is an at-fault auto insurance state

Connecticut is an at-fault state. This means that, in a multi-car accident, the driver who is found to be responsible must pay for the medical bills of all parties involved. This is different from no-fault states where every driver bills their own insurance for medical costs.

Consequences for driving without insurance in Connecticut

Drivers who skip Connecticut auto insurance could face the following consequences:

  • Fines of up to $1,000
  • Driver's license suspension
  • Vehicle registration suspension
  • $175 license and registration restoration fee

Connecticut minimum coverage requirements

All drivers in Connecticut must have at least the following coverage:

Bodily injury liability coverage

Drivers must have at least:

  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per accident

Property damage liability coverage

In addition, drivers must carry at least $25,000 of property damage liability coverage.

Uninsured and underinsured motorist coverage

Connecticut is one of the few states that requires its drivers to carry uninsured and underinsured motorist coverage in the same quantities as bodily injury liability coverage -- $25,000 per person and $50,000 per accident.

How to get cheap auto insurance in Connecticut

Drivers seeking low-cost car insurance in Connecticut should do the following:

  • Compare quotes from several companies: Every insurer evaluates the risk a driver poses differently, which is why the same driver gets different prices from each company. The only way to know which one offers the best rate is to shop around and compare quotes side by side.
  • Claim all the discounts possible: Most insurers automatically apply discounts to qualifying drivers' premiums, but there are some times when this isn't possible. Some discounts, like driver monitoring discounts, require a driver to consent to participate in a monitoring program. It's not for everyone, but those willing to prove their safe driving may want to seek out opportunities like these to demonstrate their good habits.
  • Choose a higher deductible: Deductibles are the out-of-pocket costs a driver faces when they file a claim while premiums are their monthly costs. Usually, choosing a higher deductible reduces premiums.

Other things to consider when looking for car insurance in Connecticut

Here are some other things for drivers to keep in mind when shopping for Connecticut auto insurance:

State minimum coverage isn't always enough

Purchasing the state minimum coverage will help drivers avoid complications from the law. But if they cause an accident, they could find themselves facing huge out-of-pocket costs. This is particularly true if they seriously injure another person. Insurance companies will pay up to the policy's limits, but if the cost of the damages exceeds this, the driver is left to pay for the rest on their own. That's why it's often better to purchase additional coverage when possible.

Drivers with loans or leases may need more coverage

Drivers with loans or leases may be required to purchase collision and comprehensive coverage by their lender. Even if it's not required, it's a smart buy for most drivers. Collision coverage pays to repair the driver's own vehicle if it's damaged in a crash with another car. Comprehensive coverage pays for repairs due to animal-vehicle crashes, inclement weather, vandalism, theft, and more.

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