Best Connecticut Auto Insurance in 2024 (Find the Top 10 Companies Here!)

The best Connecticut auto insurance quotes come from Travelers, Geico, and USAA.

Although it usually ranks lower in most states, Travelers takes the top spot in Connecticut by offering a variety of auto insurance discounts, stellar coverage options, and a robust UBI program.

Our Top 10 Company Picks: Best Connecticut Auto Insurance

Read on to learn more about finding the best auto insurance quotes in CT and which companies might be your cheapest option. Then, enter your ZIP code into our free comparison tool to find the lowest rates in your area.

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#1 – Travelers: Top Pick Overall

Pros

• Wide Range of Discounts: Travelers offers various discounts, including for hybrid vehicles, which are popular in Connecticut.
• Local Agents: Travelers maintains a strong presence of local agents to make it easier to buy cheap car insurance in Connecticut.
• High Customer Satisfaction: Most drivers leave positive reviews for customer service in Connecticut. See what drivers have to say about their experiences in our Travelers auto insurance review.

Cons

• Higher Premiums for High-Risk Drivers: Travelers is usually more expensive for drivers with violations or accidents.
• Limited Online Tools: Some Travelers customers find the digital experience less user-friendly.

#2 – Geico: Best for Affordable Connecticut Coverage

Pros

• Competitive Pricing: Geico often has the cheapest car insurance in Connecticut. See how much your coverage might cost in our Geico auto insurance review.
• User-Friendly Digital Tools: With a focus on a digital insurance experience, Geico has an excellent mobile app and online account management.
• Ample Discounts: Geico offers numerous discounts, including for military and federal employees that can be hard to find elsewhere.

Cons

• Mixed Claim Handling Reviews: Some customers report challenges with the Geico claims process.
• Limited Local Agents: Since Geico focuses on offering the best digital car insurance in CT, there are fewer physical locations for in-person assistance.

#3 – USAA: Best for Military Families

Pros

• Affordable Rates: USAA often offers lower auto insurance quotes in CT compared to other insurers.
• Outstanding Customer Service: USAA receives high satisfaction ratings, particularly for its car insurance in Connecticut.
• Exclusive Discounts: Among USAA’s 14 discounts are special savings for military members and families.

Cons

• Eligibility Restrictions: USAA is only available to military members, veterans, and their families. Learn more about USAA’s membership requirements in our USAA auto insurance review.
• Limited Local Presence: There are fewer local USAA offices for in-person support.

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#4 – State Farm: Best for Personalized Service

Pros

• Extensive Network of Local Agents: Get personalized service easily from any of State Farm’s local agents.
• Discounts for Safe Drivers: State Farm offers multiple discounts, including special savings for safe driving habits.
• Comprehensive Coverage Options: State Farm has a wide range of coverage choices, so you can pick the best car insurance in Connecticut. See all your coverage options in our State Farm auto insurance review.

Cons

• Higher Rates: State Farm can be more expensive, particularly for high-risk drivers and people with low credit scores.
• Limited Discount Availability: Some State Farm discounts may not be available in all areas or to every driver.

#5 – Liberty Mutual: Best for Diverse Coverage Options

Pros

• Customizable Coverage: Liberty Mutual offers a variety of coverage options that can be difficult to find elsewhere. See how you can customize your policy in our Liberty Mutual auto insurance review. Wide range of options to tailor policies.
• Accident Forgiveness: Purchase Liberty Mutual accident forgiveness to avoid premium increases after your first accident.
• RightTrack: Save up to 30% off your car insurance quotes in CT when you enroll in Liberty Mutual’s UBI program, RightTrack.

Cons

• Higher Premiums: Liberty Mutual rates can be high for certain coverage options, especially for drivers who don’t qualify for discounts.
• Mixed Customer Service Reviews: Many customers report inconsistent service quality, particularly around the Liberty Mutual claims process.

#6 – Nationwide: Best for UBI Savings

Pros

• Vanishing Deductible: Your deductible decreases over time when you avoid filing a claim by purchasing Nationwide’s vanishing deductible add-on.
• Accident Forgiveness: Prevent your auto insurance in CT from increasing after an accident with Nationwide’s accident forgiveness add-on.
• SmartRide: Nationwide’s usage-based insurance (UBI) program SmartRide helps drivers save up to 40% on their car insurance quotes in Connecticut. See if SmartRide is a good option for you in our Nationwide auto insurance review.

Cons

• Limited Digital Experience: Drivers looking for cheap auto insurance in CT will find that Nationwide’s online tools and app features are less robust.
• Discount Variability: Nationwide’s discounts may not be as comprehensive in all regions.

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#7 – Progressive: Best for Digital Policy Management

Pros

• Snapshot: Save up to 30% by enrolling in Progressive’s UBI program, Snapshot. Only safe drivers should consider joining, as Snapshot can increase your rates.
• Loyalty Discounts: Progressive makes it easy to find cheap auto insurance in Connecticut with its discounts, including special savings for loyal drivers.
• Digital Tools: Progressive offers a variety of innovative digital tools to help drivers get the most out of their policies. Explore Progressive’s online offerings in our Progressive auto insurance review.

Cons

• Customer Retention: Despite offering cheap car insurance in CT, Progressive struggles to retain its customers long-term.
• Unexpected Rate Increases: Many customers report that their Progressive rates unexpectedly increased despite making no changes to their coverage.

#8 – Allstate: Best for Full Coverage in Connecticut

Pros

• Accident Forgiveness: Allstate offers accident forgiveness, so you don’t have to worry about your rates increasing after one accident.
• Safe Driving Bonuses: Allstate offers more than just a safe driving discount. You can earn rewards for your safe driving habits with discounts and bonuses.
• Full Coverage Options: Allstate has a wide variety of coverage choices, so you can get as much protection on your vehicle as you want.

Cons

• Rates Can be High: Allstate is usually one of the most expensive car insurance companies in CT. To see how rates compare to other companies, read our Allstate auto insurance review.
• Mixed Customer Service: Customers report satisfaction of varying levels from their Allstate policies, with many complaining about the claims process.

#9 – Amica Mutual: Best for Dividend Payouts

Pros

• High Customer Satisfaction: Amica Mutual consistently gets high ratings for its customer service.
• Coverage Options: Amica Mutual offers an extensive variety of add-ons for car insurance in CT.
• Dividend Policies: Amica offers dividend policies that return a portion of the premium to policyholders when the company does well. Learn more about dividend payouts in our Amica Mutual auto insurance review.

Cons

• Higher Prices: Amica Mutual is usually not a good option for cheap auto insurance in CT.
• Fewer Discounts: With fewer discounts than most of its competitors, it’s harder to save on your auto insurance in Connecticut with Amica Mutual.

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#10 – Farmers: Best for Auto Insurance Discounts

Pros

• Accident Forgiveness: Helps maintain rates even after an at-fault accident.
• Flexible Payment Plans: Farmers offers multiple payment options to accommodate different financial situations.
• Generous Discounts: With 23 discount options, Farmers has one of the longest lists of savings opportunities in Connecticut. Learn how to save in our Farmers auto insurance review.

Cons

• Average Rates: Farmers isn’t the most expensive option on the market, but it also doesn’t have the cheapest auto insurance in CT.
• Mixed Customer Service Reviews: While some customers love their Farmers policies, others are less enthusiastic about the service.

Factors That Affect Connecticut Auto Insurance Rates

While Connecticut insurance rates typically cost more than the national average, the exact amount you’ll pay depends on your unique circumstances. CT insurance companies usually look at the following factors:

• Age: Average auto insurance rates by age vary. Young drivers are more likely to get into accidents, and older drivers face age-related issues like decreased reaction time. So, teens will pay higher Connecticut auto insurance rates.
• Claims History: If you’ve filed multiple claims, you’ll have higher Connecticut car insurance rates. 
• Credit Score: You might be wondering how credit scores affect auto insurance rates. Drivers with lower credit scores are more likely to file claims or miss payments. So, they’ll pay higher rates. Some states, such as California, Hawaii, Massachusetts, and Michigan ban companies from checking credit scores.
• Driving History: Traffic tickets, accidents, DUIs, and other similar charges will raise rates. Auto insurance companies check your driving record to determine rates.
• Gender: Male vs. female auto insurance rates vary. Men tend to pay higher rates than females, as statistics show men get into more accidents. However, insurers can’t consider gender in California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
• Vehicle Model and Make: When setting rates, Connecticut auto insurance companies consider safety ratings, crash statistics, and vehicle type. So, it’s essential to compare auto insurance rates by vehicle make and model to get affordable Connecticut auto insurance costs.
• Location: Auto insurance rates by ZIP code vary based on factors like weather, crime rates, living costs, and other factors. However, California and Michigan prohibit insurers from using ZIP codes to calculate rates.
• Commute distance: If you drive more, you statistically increase your chances of an accident. Therefore, those who drive more than average receive higher Connecticut car insurance rates.

You can find the cheapest car insurance in CT with companies such as Geico, Travelers auto insurance, and State Farm. However, you might find more affordable Connecticut insurance rates with other companies, so shopping around is essential.

Connecticut Auto Insurance Rates

Most drivers don’t find it difficult to find affordable coverage in Connecticut, but getting a good deal depends on purchasing from the right company. Check the rates below to see how much insurance costs at our top companies for auto insurance in Connecticut.

Connecticut Auto Insurance Monthly Rates by Coverage Level & Provider

You should also take advantage of ways to lower your insurance rates. A great place to start is with car insurance discounts — picking a company that offers multiple discounts you qualify for can help you save significantly. Check below for a list of discounts offered to Connecticut drivers from our top providers.

You can also save by doing things like lowering your coverage levels, increasing your deductible, and comparing quotes. Most companies have quote request forms on their websites you can use to get a no-obligation insurance quote. You can use these forms to determine if you’re overpaying at your current provider.

If you don’t have enough time to visit individual sites for quotes, you can always use a rate-generating tool to quickly get multiple auto insurance quotes at once.

Connecticut Auto Insurance Rates for Minimum Coverage Requirements

Before driving on a Connecticut road or registering a car, you must get Connecticut’s minimum auto insurance requirements. Every state’s minimum auto insurance requirements vary, and Connecticut’s requirements include:

• Bodily Injury: $25,000 per person
• Bodily Injury: $50,000 per accident
• Property Damage: $25,000 per accident
• Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person
• Uninsured/Underinsured Motorist Bodily Injury: $50,000 per accident

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Buying insurance to follow Connecticut car insurance laws is your cheapest option for coverage. Minimum liability auto insurance in Connecticut averages $66 monthly, but rates vary by company.

Connecticut Minimum Auto Insurance Monthly Rates by Provider

When it comes to minimum auto insurance coverage in Connecticut, USAA, Travelers, and Geico offer far cheaper rates than competitors. Unfortunately, USAA has strict eligibility requirements — only active or retired military or their family qualify for coverage. However, if you qualify, USAA offers cheap auto insurance for military and veterans.

While minimum coverage is your cheapest option, it comes with a risk. Your car won’t have any protection, meaning you’ll have to pay for repairs out of pocket if you get in an accident.

Connecticut Auto Insurance Rates for Full Coverage

Full coverage auto insurance refers to a suite of insurance products, including liability, comprehensive auto insurance, collision auto insurance, uninsured/underinsured motorist, and either personal injury protection auto insurance or medical payments. Connecticut doesn’t require full coverage insurance, but you might need it if you have a car loan or lease.

Connecticut Full Coverage Auto Insurance Monthly Rates by Provider

Once again, Geico and USAA dominate full coverage auto insurance rates in Connecticut, with State Farm auto insurance coming in a close third.

Drivers looking for more protection can usually purchase add-ons for their policy. Popular auto insurance add-ons in Connecticut include:

• Roadside Assistance
• Rental Reimbursement
• Gap Coverage
• Custom Parts and Equipment Coverage
• Rideshare Auto Insurance

While adding coverage to your policy better protects your vehicle, it also increases your CT car insurance rates. So while it’s tempting to add as much coverage as possible, you should only buy what you need to keep Connecticut auto insurance costs down.

Connecticut Auto Insurance Rates by Age

Insurance companies look at various factors to determine your rates, and one of the most significant is your age. Auto insurance for teens is very expensive because they’re statistically more likely to file claims.

Check below to see how much Connecticut car insurance costs by age:

Connecticut Teen Full Coverage Auto Insurance Monthly Rates by Age, Gender, & Provider

While 18-year-olds typically pay about $3,000 more per year than older drivers, Connecticut car insurance rates start to decrease around 25.

Connecticut Auto Insurance Rates for Married Couples

Most insurance companies offer a discount for married couples because married people file fewer claims. Both partners must be listed on the policy to be eligible, but the savings can be significant.

Connecticut Full Coverage Auto Insurance Monthly Rates by Marital Status & Age

State Farm and Travelers offer low Connecticut car insurance prices for married people, though you might find more affordable rates with another company based on your unique situation. Always shop around to find the best auto insurance companies for married couples.

Connecticut Auto Insurance Rates by Credit Score

Another important factor insurance companies look at when determining your rates is your credit score. While some states ban using credit scores as a factor in auto insurance, Connecticut allows it.

Average Connecticut auto insurance quotes for people with low credit scores are 43% higher than for drivers with better scores. Therefore, choosing the right company when your credit score is low is vital in finding low rates.

Connecticut Full Coverage Auto Insurance Monthly Rates by Credit Score & Provider

Although State Farm often offers the cheapest car insurance in CT, it’s usually less forgiving of low credit scores. Instead, Travelers and Geico have some of the lowest rates.

While you’ll pay more for insurance with a low credit score, increasing your score can help lower your Connecticut car insurance price.

Connecticut Auto Insurance Rates After an Accident

Auto insurance companies in Connecticut determine your rates by the likelihood that you’ll file a claim. Drivers with an at-fault accident are statistically more likely to file another claim in the future, which is why auto insurance for drivers with accidents is more expensive.

Look below to see how an at-fault accident might affect your Connecticut auto insurance rates:

Connecticut Full Coverage Auto Insurance Monthly Rates by Provider: One Accident vs. Clean Record

Geico and Travelers offer some of the lowest rates for adult drivers after an accident. While an at-fault accident will raise your Connecticut auto insurance rates, you won’t be stuck with high prices forever. If you keep your driving record clean, your rates usually decrease after three years.

Connecticut Auto Insurance Rates After a Ticket

Whether you’re running late to an appointment or there’s an emergency at home, nearly every driver has sped once or twice. Unfortunately, a speeding ticket can increase your auto insurance rates.

On average, Connecticut car insurance rates cost $149 monthly after a speeding ticket, a 16% increase. However, your actual Connecticut auto insurance price depends on the company.

Connecticut Full Coverage Auto Insurance Monthly Rates by Provider: One Ticket vs. Clean Record

Geico offers the cheapest car insurance in Connecticut after a speeding ticket. Like an at-fault accident, your rates will gradually return to normal if you avoid adding more citations to your driving record.

Connecticut Auto Insurance Rates After a DUI

Of all the incidents that can raise your insurance rates, DUIs have one of the largest impacts. Connecticut drivers face steep fines, license suspension, and jail time after a DUI, with the consequences much harsher for repeat offenders.

Insurance companies drastically increase rates after a DUI, with some refusing service. You’ll need to find high-risk auto insurance if you get denied insurance because of a DUI. Even if you don’t need high-risk insurance, your rates will still be much higher.

Connecticut Full Coverage Auto Insurance Monthly Rates by Driving Record & Provider

Travelers offers the most affordable auto insurance for drivers with a DUI on their record, but comparing quotes with multiple companies is vital. Even if you already have insurance, shopping for new coverage might save you thousands.

Cheapest Auto Insurance in Connecticut by City

When looking for cheap car insurance in Connecticut, your location plays a crucial role in your rates.

Consider the average price in Connecticut’s largest cities to get an idea of how important your ZIP code is in your rates. While rates vary, a general rule of thumb is that bigger cities have higher insurance rates.

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For example, finding cheap car insurance in Bridgeport is more challenging than in a smaller town like Willington.

However, size isn’t the only factor. While Bridgeport has the largest population in Connecticut, auto insurance in Hartford, CT, tends to be the most expensive. Compare Bridgeport auto insurance rates to see more.

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Find the Best Auto Insurance Rates in Connecticut

While auto insurance in CT tends to be a little more expensive than the national average, drivers in the Constitution State can find affordable coverage by shopping at the cheapest auto insurance companies. Geico, Travelers, and State Farm tend to offer the lowest car insurance quotes in Connecticut, but you might find a more affordable company for your unique circumstances.

No matter your situation, the best way to find low car insurance rates in Connecticut is to compare quotes with as many companies as possible. Enter your ZIP code into our free comparison tool to get started today.

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