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Best Cheap Car Insurance in Connecticut for 2021

Dec. 11, 2020
Auto Insurance, Insurance
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Patience pays off if you’re looking for cheap car insurance in Connecticut. Costs vary depending on the company you choose and on personal factors such as your age and driving record, so it’s smart to shop around.

To help pinpoint the best deal for you, NerdWallet gathered rates from 21 car insurance companies in Connecticut and found the five cheapest options for several driver types.

 

Cheapest for 20-year-old drivers in Connecticut

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 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: $2,379 per year.
  2. Amica: $2,882 per year.
  3. State Farm: $3,253 per year.
  4. Nationwide: $3,506 per year.
  5. Allstate: $3,876 per year.

Cheapest minimum coverage 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: $995 per year.
  2. Amica: $1,092 per year.
  3. Allstate: $1,297 per year.
  4. State Farm: $1,505 per year.
  5. Nationwide: $1,768 per year.

Cheapest coverage for 20-year-olds with poor credit in Connecticut

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

  1. Geico: $1,334 per year.
  2. Allstate: $2,027 per year.
  3. Amica: $2,184 per year.
  4. Nationwide: $2,783 per year.
  5. State Farm: $3,116 per year.

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

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

  1. Geico: $1,127 per year.
  2. Amica: $1,364 per year.
  3. State Farm: $1,803 per year.
  4. Nationwide: $2,034 per year.
  5. Allstate: $2,303 per year.

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

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

  1. Geico: $1,804 per year.
  2. Allstate: $1,922 per year.
  3. State Farm: $2,176 per year.
  4. Nationwide: $2,319 per year.
  5. Amica: $2,412 per year.

Cheapest for 30-year-old drivers in Connecticut

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 in Connecticut for 30-year-olds

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

  1. Geico: $1,061 per year.
  2. Amica: $1,368 per year.
  3. Nationwide: $1,395 per year.
  4. State Farm: $1,605 per year.
  5. MetLife: $1,857 per year.

Cheapest minimum coverage 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: $428 per year.
  2. Amica: $538 per year.
  3. State Farm: $733 per year.
  4. Nationwide: $780 per year.
  5. Allstate: $893 per year.

Cheapest coverage for 30-year-olds with poor credit in Connecticut

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

  1. Geico: $1,346 per year.
  2. Nationwide: $2,220 per year.
  3. Amica: $2,706 per year.
  4. Encompass: $3,051 per year.
  5. State Farm: $3,147 per year.

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

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

  1. Geico: $1,362 per year.
  2. State Farm: $1,902 per year.
  3. Amica: $2,113 per year.
  4. Nationwide: $2,245 per year.
  5. Encompass: $3,248 per year.

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

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

  1. State Farm: $2,243 per year.
  2. Progressive: $2,453 per year.
  3. Geico: $2,672 per year.
  4. Nationwide: $2,769 per year.
  5. Allstate: $3,293 per year.

Cheapest for 40-year-old drivers in Connecticut

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 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: $1,021 per year.
  2. Amica: $1,334 per year.
  3. Nationwide: $1,366 per year.
  4. State Farm: $1,585 per year.
  5. MetLife: $1,778 per year.

Cheapest minimum coverage 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.
  2. Amica: $526 per year.
  3. State Farm: $738 per year.
  4. Nationwide: $765 per year.
  5. Allstate: $893 per year.

Cheapest coverage for 40-year-olds with poor credit in Connecticut

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

  1. Geico: $1,300 per year.
  2. Nationwide: $2,165 per year.
  3. Amica: $2,634 per year.
  4. Progressive: $3,025 per year.
  5. Encompass: $3,051 per year.

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

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

  1. Geico: $1,338 per year.
  2. State Farm: $1,879 per year.
  3. Amica: $2,079 per year.
  4. Nationwide: $2,207 per year.
  5. Encompass: $3,248 per year.

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

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

  1. State Farm: $2,215 per year.
  2. Progressive: $2,345 per year.
  3. Geico: $2,644 per year.
  4. Nationwide: $2,731 per year.
  5. Allstate: $3,293 per year.

Cheapest for 50-year-old drivers in Connecticut

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 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: $1,029 per year.
  2. Amica: $1,254 per year.
  3. Nationwide: $1,281 per year.
  4. State Farm: $1,564 per year.
  5. MetLife: $1,640 per year.

Cheapest minimum coverage 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.
  2. Amica: $497 per year.
  3. Nationwide: $726 per year.
  4. State Farm: $733 per year.
  5. Encompass: $871 per year.

Cheapest coverage for 50-year-olds with poor credit in Connecticut

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

  1. Geico: $1,425 per year.
  2. Nationwide: $2,007 per year.
  3. Amica: $2,466 per year.
  4. Progressive: $2,749 per year.
  5. Encompass: $2,814 per year.

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

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

  1. Geico: $1,409 per year.
  2. State Farm: $1,853 per year.
  3. Amica: $1,999 per year.
  4. Nationwide: $2,092 per year.
  5. Encompass: $2,993 per year.

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

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: $2,186 per year.
  2. Progressive: $2,187 per year.
  3. Nationwide: $2,616 per year.
  4. Geico: $2,897 per year.
  5. Allstate: $3,239 per year.

Cheapest for 65-year-old drivers in Connecticut

Although 65-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 mid-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 in Connecticut for 65-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: $1,073 per year.
  2. Nationwide: $1,258 per year.
  3. Amica: $1,310 per year.
  4. State Farm: $1,490 per year.
  5. MetLife: $1,563 per year.

Cheapest minimum coverage in Connecticut for 65-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: $458 per year.
  2. Amica: $517 per year.
  3. State Farm: $702 per year.
  4. Nationwide: $728 per year.
  5. Encompass: $984 per year.

Cheapest coverage for 65-year-olds with poor credit in Connecticut

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

  1. Geico: $1,489 per year.
  2. Nationwide: $1,960 per year.
  3. Amica: $2,586 per year.
  4. Progressive: $2,826 per year.
  5. State Farm: $2,896 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Connecticut

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

  1. Geico: $1,468 per year.
  2. State Farm: $1,765 per year.
  3. Amica: $2,057 per year.
  4. Nationwide: $2,061 per year.
  5. Encompass: $3,257 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Connecticut

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: $2,079 per year.
  2. Progressive: $2,460 per year.
  3. Nationwide: $2,585 per year.
  4. Geico: $3,017 per year.
  5. Allstate: $3,470 per year.

Cheapest 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 31 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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.

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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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