The Cheapest Car Insurance in Connecticut for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Connecticut for a variety of ages and driving histories.
Dec 10, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Connecticut isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Connecticut is $1,785 per year, or about $149 per month, according to NerdWallet’s analysis. Minimum coverage in Connecticut is $884 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Connecticut at $423 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in Connecticut

$89/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$35/month

4.5

NerdWallet rating 

Cheapest for young drivers

$205/month

4.5

NerdWallet rating 

Cheapest for drivers with poor credit

$89/month

4.5

NerdWallet rating 

How we chose the cheapest companies in Connecticut

NerdWallet’s editorial team analyzed car insurance rates from 11 auto insurers in Connecticut and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Connecticut. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Connecticut for 20-year-olds

Drivers in Connecticut with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $2,465 per year, or about $205 per month.

  2. Electric Insurance: $2,560 per year, or about $213 per month.

  3. Amica: $2,629 per year, or about $219 per month.

  4. Allstate: $2,972 per year, or about $248 per month.

  5. State Farm: $2,989 per year, or about $249 per month.

Cheapest minimum coverage car insurance in Connecticut for 20-year-olds

Drivers in Connecticut who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Amica: $994 per year, or about $83 per month.

  2. Geico: $996 per year, or about $83 per month.

  3. Allstate: $1,264 per year, or about $105 per month.

  4. State Farm: $1,310 per year, or about $109 per month.

  5. Electric Insurance: $1,673 per year, or about $139 per month.

Cheapest auto insurance in Connecticut for 20-year-olds with poor credit

Drivers with poor credit in Connecticut should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $1,335 per year, or about $111 per month.

  2. Allstate: $1,972 per year, or about $164 per month.

  3. Amica: $1,979 per year, or about $165 per month.

  4. State Farm: $2,693 per year, or about $224 per month.

  5. Nationwide: $2,724 per year, or about $227 per month.

Cheapest auto insurance in Connecticut for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Connecticut, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $1,128 per year, or about $94 per month.

  2. Amica: $1,238 per year, or about $103 per month.

  3. State Farm: $1,568 per year, or about $131 per month.

  4. Electric Insurance: $1,755 per year, or about $146 per month.

  5. Nationwide: $2,181 per year, or about $182 per month.

Cheapest auto insurance in Connecticut for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Geico: $1,806 per year, or about $150 per month.

  2. Allstate: $1,873 per year, or about $156 per month.

  3. State Farm: $1,888 per year, or about $157 per month.

  4. Amica: $2,181 per year, or about $182 per month.

  5. Nationwide: $2,489 per year, or about $207 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Connecticut for 30-year-olds

Drivers in Connecticut with clean driving records may get the lowest rates from these companies:

  1. Geico: $1,098 per year, or about $92 per month.

  2. Amica: $1,259 per year, or about $105 per month.

  3. Electric Insurance: $1,364 per year, or about $114 per month.

  4. State Farm: $1,492 per year, or about $124 per month.

  5. Nationwide: $1,566 per year, or about $130 per month.

Cheapest minimum coverage car insurance in Connecticut for 30-year-olds

Drivers in Connecticut who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $429 per year, or about $36 per month.

  2. Amica: $496 per year, or about $41 per month.

  3. State Farm: $648 per year, or about $54 per month.

  4. Allstate: $704 per year, or about $59 per month.

  5. Nationwide: $823 per year, or about $69 per month.

Cheapest auto insurance in Connecticut for 30-year-olds with poor credit

Drivers with poor credit in Connecticut should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,394 per year, or about $116 per month.

  2. Nationwide: $2,288 per year, or about $191 per month.

  3. Amica: $2,478 per year, or about $206 per month.

  4. Encompass: $2,635 per year, or about $220 per month.

  5. State Farm: $2,901 per year, or about $242 per month.

Cheapest auto insurance in Connecticut for 30-year-old drivers with one at-fault crash

For drivers in Connecticut with a recent accident, here are the lowest average rate options for full coverage:

  1. Geico: $1,410 per year, or about $118 per month.

  2. Electric Insurance: $1,426 per year, or about $119 per month.

  3. State Farm: $1,765 per year, or about $147 per month.

  4. Amica: $1,934 per year, or about $161 per month.

  5. Nationwide: $2,564 per year, or about $214 per month.

Cheapest auto insurance in Connecticut for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. State Farm: $2,074 per year, or about $173 per month.

  2. Progressive: $2,451 per year, or about $204 per month.

  3. Electric Insurance: $2,579 per year, or about $215 per month.

  4. Geico: $2,771 per year, or about $231 per month.

  5. Allstate: $2,791 per year, or about $233 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Connecticut for 40-year-olds

Drivers in Connecticut with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $1,060 per year, or about $88 per month.

  2. Amica: $1,228 per year, or about $102 per month.

  3. Electric Insurance: $1,275 per year, or about $106 per month.

  4. State Farm: $1,472 per year, or about $123 per month.

  5. Nationwide: $1,557 per year, or about $130 per month.

Cheapest minimum coverage car insurance in Connecticut for 40-year-olds

Drivers in Connecticut who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $421 per year, or about $35 per month.

  2. Amica: $485 per year, or about $40 per month.

  3. State Farm: $652 per year, or about $54 per month.

  4. Allstate: $685 per year, or about $57 per month.

  5. Nationwide: $816 per year, or about $68 per month.

Cheapest auto insurance in Connecticut for 40-year-olds with poor credit

Drivers with poor credit in Connecticut can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $1,352 per year, or about $113 per month.

  2. Nationwide: $2,273 per year, or about $189 per month.

  3. Amica: $2,413 per year, or about $201 per month.

  4. Encompass: $2,635 per year, or about $220 per month.

  5. State Farm: $2,857 per year, or about $238 per month.

Cheapest auto insurance in Connecticut for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Connecticut, here are the companies with the lowest average rates for full coverage:

  1. Electric Insurance: $1,332 per year, or about $111 per month.

  2. Geico: $1,392 per year, or about $116 per month.

  3. State Farm: $1,741 per year, or about $145 per month.

  4. Amica: $1,903 per year, or about $159 per month.

  5. Nationwide: $2,567 per year, or about $214 per month.

Cheapest auto insurance in Connecticut for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. State Farm: $2,045 per year, or about $170 per month.

  2. Progressive: $2,346 per year, or about $196 per month.

  3. Electric Insurance: $2,391 per year, or about $199 per month.

  4. Allstate: $2,515 per year, or about $210 per month.

  5. Geico: $2,757 per year, or about $230 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in Connecticut for 50-year-olds

Drivers in Connecticut with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $1,067 per year, or about $89 per month.

  2. Amica: $1,155 per year, or about $96 per month.

  3. Electric Insurance: $1,187 per year, or about $99 per month.

  4. State Farm: $1,451 per year, or about $121 per month.

  5. Nationwide: $1,456 per year, or about $121 per month.

Cheapest minimum coverage car insurance in Connecticut for 50-year-olds

Drivers in Connecticut who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $432 per year, or about $36 per month.

  2. Amica: $458 per year, or about $38 per month.

  3. State Farm: $648 per year, or about $54 per month.

  4. Allstate: $673 per year, or about $56 per month.

  5. Nationwide: $773 per year, or about $64 per month.

Cheapest auto insurance in Connecticut for 50-year-olds with poor credit

Drivers with poor credit in Connecticut can check with the following companies, which showed the lowest average rates for full coverage:

  1. Geico: $1,480 per year, or about $123 per month.

  2. Nationwide: $2,108 per year, or about $176 per month.

  3. Amica: $2,261 per year, or about $188 per month.

  4. Encompass: $2,414 per year, or about $201 per month.

  5. Progressive: $2,770 per year, or about $231 per month.

Cheapest auto insurance in Connecticut for 50-year-old drivers with one at-fault crash

For drivers living in Connecticut with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Electric Insurance: $1,239 per year, or about $103 per month.

  2. Geico: $1,464 per year, or about $122 per month.

  3. State Farm: $1,716 per year, or about $143 per month.

  4. Amica: $1,830 per year, or about $152 per month.

  5. Encompass: $2,403 per year, or about $200 per month.

Cheapest auto insurance in Connecticut for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. State Farm: $2,017 per year, or about $168 per month.

  2. Progressive: $2,195 per year, or about $183 per month.

  3. Electric Insurance: $2,205 per year, or about $184 per month.

  4. Allstate: $2,458 per year, or about $205 per month.

  5. Geico: $3,017 per year, or about $251 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Connecticut for 60-year-olds

Drivers in Connecticut with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Geico: $1,070 per year, or about $89 per month.

  2. Amica: $1,155 per year, or about $96 per month.

  3. Electric Insurance: $1,280 per year, or about $107 per month.

  4. Nationwide: $1,353 per year, or about $113 per month.

  5. State Farm: $1,386 per year, or about $116 per month.

Cheapest minimum coverage car insurance in Connecticut for 60-year-olds

Drivers in Connecticut who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $434 per year, or about $36 per month.

  2. Amica: $458 per year, or about $38 per month.

  3. State Farm: $621 per year, or about $52 per month.

  4. Allstate: $661 per year, or about $55 per month.

  5. Nationwide: $719 per year, or about $60 per month.

Cheapest auto insurance in Connecticut for 60-year-olds with poor credit

Drivers with poor credit in Connecticut can look at the following companies with the lowest average rates for full coverage:

  1. Geico: $1,484 per year, or about $124 per month.

  2. Nationwide: $1,942 per year, or about $162 per month.

  3. Amica: $2,261 per year, or about $188 per month.

  4. Encompass: $2,364 per year, or about $197 per month.

  5. State Farm: $2,671 per year, or about $223 per month.

Cheapest auto insurance in Connecticut for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Connecticut, here are the companies with the lowest average rates for full coverage:

  1. Electric Insurance: $1,336 per year, or about $111 per month.

  2. Geico: $1,468 per year, or about $122 per month.

  3. State Farm: $1,638 per year, or about $136 per month.

  4. Amica: $1,830 per year, or about $152 per month.

  5. Nationwide: $2,290 per year, or about $191 per month.

Cheapest auto insurance in Connecticut for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. State Farm: $1,923 per year, or about $160 per month.

  2. Progressive: $2,170 per year, or about $181 per month.

  3. Allstate: $2,395 per year, or about $200 per month.

  4. Electric Insurance: $2,401 per year, or about $200 per month.

  5. Nationwide: $2,920 per year, or about $243 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 43 of the 48 driver profiles we examined.

Minimum auto insurance limits required in Connecticut

Connecticut drivers must carry liability insurance, uninsured motorist bodily injury insurance and underinsured motorist bodily injury insurance in at least the following amounts:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $25,000 property damage liability per accident.

  • $25,000 uninsured/underinsured motorist coverage per person.

  • $50,000 uninsured/underinsured motorist coverage per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

Keep in mind that causing just one crash could result in property damage or injury costs that surpass the liability limits above, so it’s usually smart to buy more than the bare minimum.

Check out NerdWallet’s guide to car insurance requirements by state for more details on the required and optional coverages in your Connecticut auto policy.

Alternative car insurance in Connecticut

If you’re denied car insurance on the voluntary market because of a spotty record or other factors, you can seek coverage through the Connecticut Automobile Insurance Assigned Risk Plan.

Try NerdWallet’s car insurance comparison tool to view rates from leading Connecticut insurers.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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