Cheapest Auto Insurance in Connecticut (2025)

Connecticut drivers spend an average of $236 per month on car insurance coverage, which is higher than the national monthly average of $144.

That’s because location-specific factors can affect your insurance premium. For example, Connecticut drivers typically deal with dangerous driving conditions when it snows heavily in the winter, which could lead to filing more claims and increased rates.1

Here’s what you need to know about comparing quotes and finding cheap car insurance in Connecticut.

3 of the cheapest car insurance companies in Connecticut

The car insurance company you choose to buy coverage from can play a major role in how much you pay for your policy. While it’s tempting to look for the insurer that offers the cheapest possible policy, it’s a good idea to consider which one has the insurance products and customer experience you’re looking for.

Here are a few of the best car insurance companies for Connecticut drivers.

State Farm

GEICO

USAA

How to get the cheapest car insurance in Connecticut

Insurance companies consider various factors when determining your car insurance premium. Having a clean driving record often leads to lower premiums. The level of coverage you choose and the type of vehicle you own — including its make, model, and year — can also affect insurance costs.

To help you find more affordable car insurance in Connecticut, consider the following tips:

• Compare quotes. Get quotes from multiple insurers to find the best rates. Make sure you request quotes for the same type and amount of coverage to get an accurate idea of which insurance company can offer you the best price.

• Bundle policies. Combining auto and home insurance with the same company often leads to discounts.

• Drive safely. Good drivers tend to save on car insurance. Avoid accidents and traffic violations to maintain a clean driving record and lower rates.

• Ask about discounts. Many car insurance companies offer a variety of discounts. Before purchasing a policy, ask insurance agents from each company you’re considering about which discounts you may qualify for.

Cheapest liability-only car insurance quotes in Connecticut: State Farm

Liability-only car insurance provides coverage for bodily injury and property damage if you cause an accident. It doesn’t cover your medical bills or vehicle damage. While it offers limited protection, it can be a cost-effective option for drivers looking to fulfill legal obligations without the added expense of comprehensive or collision coverage.2

In Connecticut, liability-only policies cost an average of $190 per month. The following table highlights the cheapest car insurance quotes in Connecticut.

Cheapest full-coverage car insurance quotes in Connecticut: State Farm

The main difference between liability-only and full-coverage car insurance is how much protection you have. Full-coverage insurance includes liability, comprehensive, and collision coverage, offering protection for your vehicle as well.

If you lease your vehicle or have a new or expensive car, you may benefit from full-coverage insurance. In Connecticut, the average cost for a full-coverage policy is $282 per month.

The table below shows the cheapest monthly quotes for full-coverage policies.

Car insurance requirements in Connecticut

Connecticut drivers must carry a minimum amount of insurance to drive legally in the state, including liability insurance and uninsured/underinsured motorist coverage.

To better understand which types of insurance coverage you need in Connecticut, check out the following table:3

To more fully protect your vehicle, you should also consider buying one or more of the following optional insurance policies:

Average cost of car insurance by age

The average cost of car insurance fluctuates with age. Teen drivers pay higher car insurance premiums due to their lack of driving experience and greater accident risk.

Rates generally decrease around age 25 but start to increase again around age 70. Although senior drivers still pay lower-than-average rates, they may see an uptick in their rates because of age-related risk factors.

Cheapest car insurance in Connecticut by driving record

If you have an incident on your driving record, insurers can raise your car insurance rates. Insurance companies consider driving infractions — such as speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations — as indicators of a high-risk driver, leading to increased premiums.

In Connecticut, drivers with a clean record pay an average of $190 per month for liability-only coverage, while drivers with an incident on their record pay an average of $222 for the same policy.

How car insurance rates have changed in Connecticut

Full-coverage car insurance costs in Connecticut rose to an average of more than $2,400 per year in 2024 — an 18% increase from 2023, according to an Insurify report. Factors like more severe weather events and more expensive vehicle repair costs are driving increases across the country.

The chart below shows how car insurance rates in Connecticut have changed over the past two years.