Average Car Insurance Cost in Connecticut (2025)

The average monthly cost of car insurance in Connecticut is $236, which is much higher than the national average of $144. Connecticut’s rates are among the most expensive in the nation, second only to New York, according to Insurify data, and increasing faster than in most states.1

Several factors may explain the state’s high rates, including severe weather, an increase in poor driving habits and car-related crimes, and one of the nation’s highest population densities.

When you’re shopping for car insurance in a state like Connecticut, it’s even more important to find ways to save money.

How much is car insurance in Connecticut?

The average monthly car insurance rate in Connecticut is $236, according to Insurify data. Liability-only coverage comes in at an average rate of $190 per month, and full coverage costs an average of $282 per month.

Although your location plays an important role in determining your rates, it’s not the only factor insurers consider. Your premiums depend on your personal demographics and also the insurance policy you choose, so shopping around for personalized quotes can help find cheap insurance.

How Connecticut car insurance rates have changed over the past two years

The average yearly price for full-coverage car insurance in Connecticut peaked at more than $2,400 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though not as quickly as in Connecticut.

See how Connecticut car insurance prices have changed over the past two years below.

Average Connecticut car insurance rates by city

The cost of car insurance in Connecticut can vary depending on where you live. Certain cities and ZIP codes may have higher average rates due to their accident rates, vehicle theft rates, population density, and weather patterns.2

The table below breaks down the average car insurance premiums for several Connecticut cities.

Average Connecticut car insurance rates by age and gender

Your age and gender both affect your car insurance premiums. Teens and other young drivers — usually drivers younger than 25 — tend to pay the highest insurance rates. This age demographic has less experience than other drivers on the road and tends to speed and drive distracted, according to the Centers for Disease Control and Prevention.3

As you age, your rates drop, with seniors typically paying the lowest premiums. But rates begin to rise again slightly around age 70, as accident risks increase.4 

Your gender also affects your premiums, but the correlation is less clear. Many sources state that women pay less for car insurance because they have fewer accidents, and when they do have accidents, they’re less severe. Although more recent data suggests that, at least in some states and for some age ranges, women pay higher premiums.5 

The table below breaks down how your age and gender affect your average rates for both state-minimum coverage and full coverage, based on Insurify data.

Average cost to insure popular vehicles in Connecticut

Your vehicle’s make and model — including its value and repair costs — also affect your insurance premiums. Your rates may be lower if your vehicle has safety features that reduce accidents (or make accidents less serious).

The most popular vehicles in Connecticut tend to be crossovers, which combine the benefits of SUVs and sedans. Popular models in Connecticut have plenty of safety features and solid fuel efficiency, making them a good fit for the state’s high population density and heavy traffic. These crossovers offer the perks of a larger vehicle while taking up less space.

In the table below, you can see several of the most popular vehicles in Connecticut, according to Edmunds, and the average monthly cost to insure each one, according to Insurify data.

How your driving record affects car insurance rates in Connecticut

Your driving history is one of the most significant factors affecting your car insurance premiums. Good drivers — generally classified as drivers with no violations on their records — pay the lowest rates, while drivers with infractions usually pay more.

For example, if you’re involved in an at-fault accident or get a speeding ticket, your insurance rates could increase by 39%. Meanwhile, drivers with a DUI may see their rates increase by 58%.

The table below shows insurance rates in Connecticut for a sample driver with an accident, speeding ticket, or DUI on their record:

How to lower your insurance costs in Connecticut

You can potentially lower your premium cost in Connecticut with these strategies: