The Cheapest Car Insurance in Connecticut for March 2024

Travelers offers the cheapest car insurance in Connecticut, with an average annual rate of $2,033 for full coverage.
Ben Moore
By Ben Moore 
Updated
Edited by Lacie Glover

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Auto insurance is an important purchase, but finding cheap car insurance in Connecticut isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Connecticut is Travelers at $2,033 per year on average, or $169 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Connecticut. Meanwhile, the average cost of full coverage car insurance in Connecticut is $2,916 per year, or about $243 per month.

Minimum coverage in Connecticut is $1,214 per year on average, but we found you can likely get a cheaper policy. For example, Allstate offers the cheapest rates in Connecticut at $618 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Connecticut

NerdWallet’s editorial team analyzed car insurance rates from 12 auto insurers in Connecticut and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Connecticut where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best 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. Progressive: $6,158 per year, or about $513 per month.
  2. Electric Insurance: $6,191 per year, or about $516 per month.
  3. Encompass: $6,269 per year, or about $522 per month.
  4. Kemper: $7,021 per year, or about $585 per month.
  5. Geico: $7,103 per year, or about $592 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. Geico: $2,290 per year, or about $191 per month.
  2. Allstate: $2,320 per year, or about $193 per month.
  3. Progressive: $2,469 per year, or about $206 per month.
  4. Travelers: $2,479 per year, or about $207 per month.
  5. Amica: $3,043 per year, or about $254 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. Allstate: $2,648 per year, or about $221 per month.
  2. Travelers: $2,766 per year, or about $231 per month.
  3. Amica: $3,043 per year, or about $254 per month.
  4. Kemper: $3,188 per year, or about $266 per month.
  5. Encompass: $3,432 per year, or about $286 per month.

Cheapest auto insurance in Connecticut for 20-year-old drivers with one speeding ticket

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

  1. Allstate: $2,445 per year, or about $204 per month.
  2. Geico: $2,733 per year, or about $228 per month.
  3. Progressive: $2,734 per year, or about $228 per month.
  4. Travelers: $2,832 per year, or about $236 per month.
  5. Amica: $3,459 per year, or about $288 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. Travelers: $2,651 per year, or about $221 per month.
  2. Progressive: $2,951 per year, or about $246 per month.
  3. Geico: $3,310 per year, or about $276 per month.
  4. Amica: $3,519 per year, or about $293 per month.
  5. Nationwide: $4,208 per year, or about $351 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. Progressive: $2,681 per year, or about $223 per month.
  2. Travelers: $3,284 per year, or about $274 per month.
  3. Allstate: $3,505 per year, or about $292 per month.
  4. Kemper: $4,794 per year, or about $399 per month.
  5. Nationwide: $4,855 per year, or about $405 per month.

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

  1. Travelers: $2,138 per year, or about $178 per month.
  2. Allstate: $2,347 per year, or about $196 per month.
  3. Kemper: $2,861 per year, or about $238 per month.
  4. Encompass: $2,916 per year, or about $243 per month.
  5. Electric Insurance: $2,939 per year, or about $245 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. Allstate: $618 per year, or about $52 per month.
  2. Travelers: $726 per year, or about $61 per month.
  3. Geico: $1,106 per year, or about $92 per month.
  4. Kemper: $1,124 per year, or about $94 per month.
  5. State Farm: $1,240 per year, or about $103 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. Allstate: $2,347 per year, or about $196 per month.
  2. Travelers: $2,831 per year, or about $236 per month.
  3. Kemper: $2,861 per year, or about $238 per month.
  4. Encompass: $2,916 per year, or about $243 per month.
  5. Electric Insurance: $2,939 per year, or about $245 per month.

Cheapest auto insurance in Connecticut for 30-year-old drivers with one speeding ticket

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

  1. Allstate: $900 per year, or about $75 per month.
  2. Travelers: $950 per year, or about $79 per month.
  3. Geico: $1,171 per year, or about $98 per month.
  4. State Farm: $1,404 per year, or about $117 per month.
  5. Progressive: $1,631 per year, or about $136 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. Travelers: $2,356 per year, or about $196 per month.
  2. Electric Insurance: $3,946 per year, or about $329 per month.
  3. Allstate: $4,171 per year, or about $348 per month.
  4. State Farm: $4,205 per year, or about $350 per month.
  5. Encompass: $4,392 per year, or about $366 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. Allstate: $3,513 per year, or about $293 per month.
  2. Progressive: $3,589 per year, or about $299 per month.
  3. Travelers: $3,797 per year, or about $316 per month.
  4. Kemper: $4,468 per year, or about $372 per month.
  5. State Farm: $5,226 per year, or about $435 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. Travelers: $1,984 per year, or about $165 per month.
  2. Allstate: $2,347 per year, or about $196 per month.
  3. Kemper: $2,717 per year, or about $226 per month.
  4. Electric Insurance: $2,753 per year, or about $229 per month.
  5. Nationwide: $2,850 per year, or about $238 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. Allstate: $612 per year, or about $51 per month.
  2. Travelers: $711 per year, or about $59 per month.
  3. Geico: $1,088 per year, or about $91 per month.
  4. Kemper: $1,131 per year, or about $94 per month.
  5. State Farm: $1,261 per year, or about $105 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. Allstate: $2,347 per year, or about $196 per month.
  2. Travelers: $2,575 per year, or about $215 per month.
  3. Kemper: $2,717 per year, or about $226 per month.
  4. Electric Insurance: $2,753 per year, or about $229 per month.
  5. Nationwide: $2,850 per year, or about $238 per month.

Cheapest auto insurance in Connecticut for 40-year-old drivers with one speeding ticket

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

  1. Allstate: $900 per year, or about $75 per month.
  2. Travelers: $930 per year, or about $78 per month.
  3. Geico: $1,161 per year, or about $97 per month.
  4. State Farm: $1,428 per year, or about $119 per month.
  5. Progressive: $1,600 per year, or about $133 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. Travelers: $2,058 per year, or about $172 per month.
  2. Electric Insurance: $3,694 per year, or about $308 per month.
  3. State Farm: $4,112 per year, or about $343 per month.
  4. Allstate: $4,171 per year, or about $348 per month.
  5. Progressive: $4,229 per year, or about $352 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. Progressive: $3,401 per year, or about $283 per month.
  2. Travelers: $3,463 per year, or about $289 per month.
  3. Allstate: $3,513 per year, or about $293 per month.
  4. Kemper: $4,241 per year, or about $353 per month.
  5. State Farm: $5,109 per year, or about $426 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 cheap auto 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. Travelers: $1,780 per year, or about $148 per month.
  2. Allstate: $1,861 per year, or about $155 per month.
  3. Electric Insurance: $2,477 per year, or about $206 per month.
  4. Kemper: $2,594 per year, or about $216 per month.
  5. Encompass: $2,660 per year, or about $222 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. Allstate: $538 per year, or about $45 per month.
  2. Travelers: $658 per year, or about $55 per month.
  3. Geico: $1,088 per year, or about $91 per month.
  4. Kemper: $1,116 per year, or about $93 per month.
  5. Nationwide: $1,237 per year, or about $103 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. Allstate: $1,861 per year, or about $155 per month.
  2. Travelers: $2,231 per year, or about $186 per month.
  3. Electric Insurance: $2,477 per year, or about $206 per month.
  4. Kemper: $2,594 per year, or about $216 per month.
  5. Encompass: $2,660 per year, or about $222 per month.

Cheapest auto insurance in Connecticut for 50-year-old drivers with one speeding ticket

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

  1. Allstate: $740 per year, or about $62 per month.
  2. Travelers: $878 per year, or about $73 per month.
  3. Geico: $1,272 per year, or about $106 per month.
  4. State Farm: $1,418 per year, or about $118 per month.
  5. Progressive: $1,511 per year, or about $126 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. Travelers: $1,948 per year, or about $162 per month.
  2. Electric Insurance: $3,276 per year, or about $273 per month.
  3. Allstate: $3,283 per year, or about $274 per month.
  4. Encompass: $3,985 per year, or about $332 per month.
  5. State Farm: $4,002 per year, or about $333 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. Allstate: $2,765 per year, or about $230 per month.
  2. Progressive: $3,203 per year, or about $267 per month.
  3. Travelers: $3,339 per year, or about $278 per month.
  4. Kemper: $4,047 per year, or about $337 per month.
  5. State Farm: $4,975 per year, or about $415 per month.

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 car 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. Travelers: $1,794 per year, or about $150 per month.
  2. Allstate: $1,861 per year, or about $155 per month.
  3. Electric Insurance: $2,379 per year, or about $198 per month.
  4. Nationwide: $2,402 per year, or about $200 per month.
  5. Kemper: $2,481 per year, or about $207 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. Allstate: $526 per year, or about $44 per month.
  2. Travelers: $678 per year, or about $56 per month.
  3. Kemper: $1,046 per year, or about $87 per month.
  4. Nationwide: $1,101 per year, or about $92 per month.
  5. Geico: $1,145 per year, or about $95 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. Allstate: $1,861 per year, or about $155 per month.
  2. Travelers: $2,277 per year, or about $190 per month.
  3. Electric Insurance: $2,379 per year, or about $198 per month.
  4. Nationwide: $2,402 per year, or about $200 per month.
  5. Kemper: $2,481 per year, or about $207 per month.

Cheapest auto insurance in Connecticut for 60-year-old drivers with one speeding ticket

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

  1. Allstate: $740 per year, or about $62 per month.
  2. Travelers: $891 per year, or about $74 per month.
  3. Geico: $1,325 per year, or about $110 per month.
  4. State Farm: $1,328 per year, or about $111 per month.
  5. Progressive: $1,503 per year, or about $125 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. Travelers: $1,929 per year, or about $161 per month.
  2. Electric Insurance: $3,136 per year, or about $261 per month.
  3. Allstate: $3,283 per year, or about $274 per month.
  4. State Farm: $3,736 per year, or about $311 per month.
  5. Encompass: $3,877 per year, or about $323 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. Allstate: $2,765 per year, or about $230 per month.
  2. Progressive: $3,168 per year, or about $264 per month.
  3. Travelers: $3,442 per year, or about $287 per month.
  4. Kemper: $3,865 per year, or about $322 per month.
  5. State Farm: $4,642 per year, or about $387 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Connecticut for 70-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. Travelers: $1,958 per year, or about $163 per month.
  2. Allstate: $2,089 per year, or about $174 per month.
  3. Encompass: $2,576 per year, or about $215 per month.
  4. Electric Insurance: $2,581 per year, or about $215 per month.
  5. Kemper: $2,676 per year, or about $223 per month.

Cheapest minimum coverage car insurance in Connecticut for 70-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. Allstate: $588 per year, or about $49 per month.
  2. Travelers: $813 per year, or about $68 per month.
  3. Kemper: $1,182 per year, or about $99 per month.
  4. State Farm: $1,260 per year, or about $105 per month.
  5. Encompass: $1,362 per year, or about $114 per month.

Cheapest auto insurance in Connecticut for 70-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. Allstate: $2,089 per year, or about $174 per month.
  2. Travelers: $2,500 per year, or about $208 per month.
  3. Encompass: $2,576 per year, or about $215 per month.
  4. Electric Insurance: $2,581 per year, or about $215 per month.
  5. Kemper: $2,676 per year, or about $223 per month.

Cheapest auto insurance in Connecticut for 70-year-old drivers with one speeding ticket

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

  1. Allstate: $868 per year, or about $72 per month.
  2. Travelers: $1,065 per year, or about $89 per month.
  3. State Farm: $1,427 per year, or about $119 per month.
  4. Progressive: $1,646 per year, or about $137 per month.
  5. Geico: $1,647 per year, or about $137 per month.

Cheapest auto insurance in Connecticut for 70-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. Travelers: $2,140 per year, or about $178 per month.
  2. Electric Insurance: $3,417 per year, or about $285 per month.
  3. Allstate: $3,713 per year, or about $309 per month.
  4. Encompass: $3,869 per year, or about $322 per month.
  5. State Farm: $3,985 per year, or about $332 per month.

Cheapest auto insurance in Connecticut for 70-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. Allstate: $3,123 per year, or about $260 per month.
  2. Progressive: $3,841 per year, or about $320 per month.
  3. Travelers: $3,951 per year, or about $329 per month.
  4. Kemper: $4,195 per year, or about $350 per month.
  5. State Farm: $4,967 per year, or about $414 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 56 of the 70 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 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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