Cheapest Auto Insurance in Connecticut (2025)
State Farm has the cheapest liability quotes in Connecticut, at $108 per month.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Connecticut drivers spend an average of $229 per month on car insurance coverage, which is higher than the national monthly average of $143.
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.
Quick Facts
State Farm, CSAA, and Progressive offer the cheapest liability car insurance in Connecticut.
On average, Connecticut drivers pay $185 per month for liability insurance and $272 for full-coverage insurance.
Connecticut drivers must carry a minimum of $50,000 in bodily injury liability per accident, $25,000 in property damage liability, and $50,000 in uninsured/underinsured motorist coverage per accident.
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
State Farm vs. GEICO and USAA
If you’re shopping for car insurance in Connecticut, see how these three companies compare.
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
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 $185 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 $272 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $185 per month for liability-only coverage, while drivers with an incident on their record pay an average of $217 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.
Where you live in Connecticut can affect your car insurance rate, even down to the ZIP code. If you reside in a densely populated city, you may see higher rates compared to drivers living in rural areas.
The table below shows liability and full-coverage rates for different Connecticut cities.
Connecticut car insurance FAQs
Before you start shopping around for car insurance, you should determine the right amount of insurance for your needs. The following information should help you find cheap car insurance in Connecticut.
On average, car insurance in Connecticut costs $229 per month. Drivers in the state pay $185 per month for liability-only insurance and $272 for full coverage. The cost of your policy will depend on your driving record, credit history, age, vehicle type, ZIP code, and more.
State Farm has the cheapest liability car insurance in Connecticut, at $108 per month. Other affordable insurers include CSAA and Progressive, which offer cheap liability coverage at $110 and $115 per month, respectively. The best way to find cheap car insurance is to compare quotes from multiple auto insurers.
The minimum car insurance requirements in Connecticut include $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage. Drivers must also carry $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
No. Connecticut is an at-fault state for car insurance. This means the at-fault driver must cover the other driver’s resulting medical expenses and vehicle repairs.
)
)
)
){kind=small}
){kind=small}
)
)
){kind=logo}
){kind=small}
){kind=small}
)
)
)
)
