Finding Auto Insurance In Connecticut: Best Places To Look

Finding auto insurance in Connecticut is a straightforward process. The state has a range of insurance providers, including Geico, State Farm, USAA, Nationwide, and Allstate, offering various coverage options and discounts. The cost of car insurance in Connecticut depends on factors such as age, location, driving record, and coverage level. It is recommended to shop around and compare quotes from different insurance companies to find the most affordable option.

Connecticut's minimum auto insurance requirements

• $25,000 bodily injury liability coverage per person
• $50,000 bodily injury liability coverage per accident
• $25,000 property damage liability coverage per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

These requirements are in place to ensure that drivers can cover the costs associated with damages or injuries they may cause in an accident. This protects both the at-fault driver from facing unmanageable out-of-pocket expenses and the affected parties from incurring losses due to uninsured motorists.

Connecticut operates under an at-fault insurance system, meaning that the driver deemed responsible for an accident is also responsible for any resulting damages. As such, it is recommended that drivers consider purchasing higher liability limits and full coverage if they can afford to do so. Collision and comprehensive coverage are not mandated by the state but may be required by lenders or leasing companies if the vehicle is financed or leased.

Connecticut drivers should be aware of the state's auto insurance regulations and understand their responsibilities. Failure to comply with the minimum insurance requirements can result in fines, license suspension, or other penalties. The average cost of minimum coverage car insurance in Connecticut is around $50-$59 per month, while full coverage can range from $129 to $206 per month.

Connecticut's cheapest car insurance companies

Connecticuts Cheapest Car Insurance Companies

The cost of car insurance in Connecticut varies depending on factors such as age, driving history, and location. The average cost of car insurance in the state is $98 per month for minimum coverage and $225 per month for full coverage. However, some companies offer cheaper rates than others. Here is a list of some of the cheapest car insurance companies in Connecticut:

• Geico: Geico is often the cheapest option for Connecticut drivers, with average monthly rates of $52 for minimum coverage and $129 for full coverage. They also have good customer service and a highly-rated mobile app.
• State Farm: State Farm is the cheapest option for full coverage, with an average monthly rate of $121. They also have the cheapest rates for young drivers, drivers with poor credit, and drivers with a DUI on their record.
• USAA: USAA offers cheap rates for military members, veterans, and their families. They have some of the best customer service ratings in the state.
• Allstate: Allstate has the cheapest rates for drivers with a DUI, with an average monthly rate of $344.
• Amica: Amica has high customer satisfaction ratings and offers a dividend policy that pays back up to 20% of your premium each year.

Connecticut's best car insurance companies

Connecticuts's Best Car Insurance Companies

Geico

Geico is the cheapest car insurance provider in Connecticut, with an average monthly rate of $66, compared to competitors like Allstate, which charges $189 per month. Geico's average annual rate is $786, while Allstate's is $2,274.

Amica

Amica is a good option for customers seeking high customer satisfaction ratings. Amica was the top-ranking insurer for customer satisfaction in the 2024 J.D. Power Auto Insurance Study for the New England region. Amica also offers a unique auto insurance dividend policy, which pays back up to 20% of your premium each year.

USAA

USAA offers cheap car insurance in Connecticut, but it is only available to active and retired military personnel and their families. USAA received the highest score in the 2024 J.D. Power customer satisfaction study. Its rates are lower than the national average, and it offers unique discounts tailored to military needs.

State Farm

State Farm is the largest auto insurer in the US by direct premiums written. It offers multiple coverage options, including roadside assistance and rideshare insurance. State Farm has high J.D. Power customer satisfaction ratings and offers numerous discounts.

Nationwide

Nationwide offers standard coverage options and optional gap coverage and roadside assistance. It provides various discounts, including those for anti-theft devices, automatic payments, good students, multi-policy, and safe drivers.

Other Options

Other car insurance companies offering coverage in Connecticut include Progressive, Auto-Owners, Farmers, and Kemper.

Connecticut's car insurance premiums by rating factor

The cost of car insurance in Connecticut is influenced by several factors, including age, gender, driving record, credit score, vehicle type, and location. Here is an overview of how these factors impact insurance premiums in the state:

Age and Gender:

In Connecticut, age and gender are considered in insurance ratings. Older drivers generally pay lower rates due to their experience and lower accident rates. Female drivers also tend to pay less than males, as they are perceived to engage in less risky driving behaviours.

Driving Record:

A clean driving record can lead to lower insurance rates. Traffic violations, such as speeding tickets or DUIs, can increase premiums significantly. For example, a single speeding ticket can result in a 24% increase in rates, while a DUI conviction can almost double the insurance cost.

Credit Score:

Connecticut is among the states that allow credit history to influence insurance rates. Drivers with poor credit scores often pay more for car insurance than those with good credit. Improving credit scores can lead to significant savings.

Vehicle Type:

The make and model of the vehicle impact insurance rates in Connecticut. Certain vehicles may have higher repair costs or a higher risk of theft, which can increase insurance premiums. For example, insuring a BMW 330i can be 23% more expensive than insuring a Ford F150.

Location:

Insurance rates can vary across different cities in Connecticut. Factors such as local crime rates, repair costs, and weather patterns can influence the cost of insurance in specific areas.

Connecticut's car insurance rate by violation

Connecticut restricts premium rate surcharges for certain motor vehicle violations and property damage claims of a certain amount. The state also regulates automobile insurance rates, underwriting practices, and rate classification plans.

Safe Driver Discounts

Some insurers offer safe driver classification plans that entitle qualified drivers to discounted rates. These plans typically reward drivers who remain claim and accident-free for three or more years. Safe driver classification plans are subject to review and regulation by the insurance commissioner.

Surcharge Prohibition

Connecticut specifically restricts the imposition of rate surcharges for the following occurrences:

• Any property-damage-only accident of $1,000 or less.
• The first property-damage-only accident of more than $1,000 if it would require the imposition of a surcharge under the insurer's safe driver classification plan.
• Any violation of the speeding law unless it results in the suspension or revocation of the driver's license.
• The first two violations of the traveling unreasonably fast law within any one-year period.
• Any accident caused by an operator other than the named insured, a relative living in their household, or someone who customarily operates the car.
• The first or second accident within the same experience period of the insured if the insured was not at fault or convicted of a moving traffic violation.
• Any motor vehicle infraction.

Consumer Information

Connecticut requires insurers that offer safe driver classification plans to include a rating information form or other policy attachment explaining how its plan operates. The insurance commissioner must approve the form or attachment before it is used. This information is provided to insurance consumers.

Connecticut's Minimum Car Insurance Requirements

In Connecticut, the average cost of a policy that meets the state's minimum liability coverage requirements is $1,524 per year. Geico customers in Connecticut pay the lowest average annual rate for minimum coverage, $708. Farmers has the highest annual average rate in this category, according to our analysis: $2,219.

Cheapest Car Insurance Rates for Good Drivers:

Geico has the cheapest average annual rate in this category, $786. Allstate has the highest sample rate in our analysis for a year of coverage, $2,274.

Cheapest Car Insurance Rates After a Speeding Ticket:

Geico has the lowest average annual rate in this category at $904, according to our analysis. Farmers has the highest average rate in this category, $2,581 per year.

Cheapest Car Insurance Rates After an Accident:

Geico has the lowest sample premiums in this category, with an average annual rate of $1,089. Farmers has the highest average annual rate for Connecticut drivers after an accident: $4,164.

Cheapest Car Insurance Rates After a DUI:

State Farm has the lowest average annual rate among providers we analyzed, $1,402. Farmers has the highest sample rate in this category among providers we analyzed at $4,919 per year.

Frequently asked questions