The Best Auto Insurance In Connecticut: Reliable Options

Connecticut drivers are legally required to have car insurance, but the cost of coverage is often high due to the state's dense population and high rates of accidents and theft. The best auto insurance in Connecticut will depend on individual needs, but some of the most reliable and affordable providers include Geico, State Farm, USAA, and Amica. These companies offer competitive rates, strong customer service, and robust digital tools. When choosing an auto insurance provider, it is important to consider cost, coverage, and customer service to ensure adequate protection in the event of an accident.

Cheapest car insurance in Connecticut

The cost of car insurance in Connecticut varies depending on factors such as age, location, driving record, and more. The average cost of car insurance in the state is $98 per month for minimum coverage and $225 per month for full coverage. However, it's important to note that these rates can vary significantly from one individual to another.

• Geico: $52 for minimum coverage and $129 for full coverage.
• State Farm: $59 for minimum coverage and $121 for full coverage.
• USAA: $640 for minimum coverage and $1,875 for full coverage (available only to military members, veterans, and their families).
• Nationwide: $1,078 for minimum coverage and $1,931 for full coverage.
• Kemper: $86 for full coverage (for 75-year-old drivers).

It's worth noting that these rates are averages and may not reflect the exact rates offered by these companies. It's always a good idea to shop around and compare quotes from multiple providers to find the best deal for your specific situation. Additionally, there are a few strategies you can use to try and lower your car insurance rates:

• Look for discounts offered by insurance companies, such as good student discounts, safe driver discounts, or bundling discounts.
• Reduce your coverage or increase your deductible, although this may increase your financial risk.
• Improve your credit score, as insurance companies often use credit scores as a factor in determining rates.
• Compare quotes from multiple insurance companies and choose the one that offers the best rate for your needs.

Best car insurance for young drivers in Connecticut

Young drivers in Connecticut can expect to pay thousands of dollars for car insurance, with rates varying depending on age, gender, and driving record. For example, 17-year-old female drivers in Connecticut can expect to pay an average of $6,126 per year for car insurance, while 17-year-old male drivers can expect to pay an average of $6,825 per year. The cheapest car insurance for young drivers in Connecticut is offered by Geico, with rates starting at $2,525 per year for 17-year-old female drivers and $2,914 per year for 17-year-old male drivers. State Farm also offers competitive rates for young drivers, with an average monthly cost of $189 for minimum liability coverage and $371 for full coverage.

In addition to age and gender, driving record also plays a significant role in determining car insurance rates for young drivers in Connecticut. For example, a speeding ticket can increase insurance rates by 17% on average, while an accident can increase rates by 62%. As such, it is important for young drivers in Connecticut to maintain a clean driving record and compare rates from multiple insurance providers to find the best deal.

Cheapest car insurance for drivers with a DUI in Connecticut

The cheapest car insurance for drivers with a DUI in Connecticut is offered by State Farm, with an average monthly rate of $101 for a minimum liability-coverage policy. However, the cheapest car insurance company for you will depend on your individual circumstances and rating factors.

Other insurance companies that offer cheap car insurance in Connecticut include:

• Geico
• Progressive
• USAA
• Nationwide
• Liberty Mutual

Cheapest car insurance for drivers with bad credit in Connecticut

In Connecticut, drivers with poor credit pay an average of $85 per month for minimum liability coverage and $1,741 per year for full coverage. The cheapest car insurance for drivers with bad credit in Connecticut is offered by Geico, with rates 55% cheaper than the national average.

In addition to Geico, USAA, Nationwide, and Progressive also offer competitive rates for drivers with bad credit.

Minimum car insurance requirements in Connecticut

To drive legally in Connecticut, you must carry a minimum amount of car insurance. Connecticut's car insurance laws require drivers to carry at least minimum amounts of bodily injury liability, property damage liability, uninsured motorist coverage, and underinsured motorist coverage.

The minimum amount of Connecticut auto insurance coverage is $25,000 per person, $50,000 per accident, and $25,000 for damage to another person's property. In other words, the minimum coverage limits are 25/50/25.

Liability coverage provides for your legal defence if a lawsuit is brought against you as a result of a covered accident. Liability coverage includes both property damage and bodily injury coverage. Property damage liability covers certain damage you may cause to the property or vehicle of another party. Bodily injury liability covers certain expenses associated with bodily harm sustained by the other parties.

Uninsured/underinsured motorist coverage protects you in the event of an accident where the other party is at fault and either doesn't carry insurance or is underinsured. Uninsured motorist coverage includes bodily injury coverage, which helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from another driver who is not insured.

While you must carry these minimum insurance requirements, insurance professionals recommend purchasing as much liability coverage as you can afford as it provides financial protection if you cause an accident with injuries or property damage.

Frequently asked questions