Fact CheckedNerdy takeaways
Travelers has the cheapest car insurance in Connecticut, with an average rate of $109 per month and $1,309 per year for full coverage.
Car insurance costs an average of $239 per month or $2,871 per year in Connecticut for someone with a clean driving record.
On average, Connecticut is one of the most expensive states for car insurance, so it’s important to compare quotes to find your best rate.
These are median rates from NerdWallet's October 2026 analysis, but your rate will vary based on your personal information, location and insurance provider. Not all companies offer policies in every state.
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NerdWallet analyzed rates for 11 auto insurers in Connecticut to find which one has the cheapest car insurance for different driving profiles.
Although Liberty Mutual is one of the largest insurers in the country, it’s not included in our analysis because it doesn’t make its rates data public.
For more detailed information about how we found the cheapest car insurance companies in Connecticut, please check our full methodology at the bottom of this page.
You can trust the rates we show because our team of analysts rigorously eliminates outliers and inaccuracies in pricing data. We gather and analyze rates data from every ZIP code in a state where coverage is offered and data is available.
When we compare rates across driving profiles, we change only one variable at a time. This way, it’s easy to see how each factor affects the cost of auto insurance.
Cheapest car insurance in Connecticut for full coverage
Travelers has the cheapest car insurance in Connecticut for full coverage, with an average rate of $109 per month or $1,309 per year.
What full coverage is: A basic car insurance policy won’t pay for every bill after an accident. Full coverage adds two types of insurance — comprehensive and collision coverage — to a basic policy so it will cover damage to your car from most causes (including animals and weather).
Who needs it: You’ll probably have to carry full coverage car insurance if you leased your car or are still paying off an auto loan. But we recommend keeping full coverage once you own your car outright unless you could afford to replace it after a serious accident.
Cheapest companies, on average, for full coverage in Connecticut
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $109 |
| GEICO | 5.0/5 | $193 |
| Kemper | 3.0/5 | $197 |
| Encompass | 3.1/5 | $211 |
| Allstate | 4.3/5 | $232 |
Rates refreshed October 2026.
More Nerdy Perspective
Car insurance rates have increased in Connecticut over the past three years, according to our data analysis. But that’s true in most states across the U.S. due to things like higher repair costs and weather-related events like wildfires and hurricanes. The best way to avoid overpaying for your policy is to compare car insurance quotes from a couple different insurers.
Car insurance rates have increased in Connecticut over the past three years, according to our data analysis. But that’s true in most states across the U.S. due to things like higher repair costs and weather-related events like wildfires and hurricanes. The best way to avoid overpaying for your policy is to compare car insurance quotes from a couple different insurers.
Drew GulaCheapest car insurance in Connecticut for minimum coverage
Travelers has the cheapest car insurance in Connecticut for minimum coverage, with an average rate of $38 per month or $458 per year.
What minimum coverage is: All drivers in Connecticut must carry liability insurance, plus uninsured motorist coverage and underinsured motorist coverage. Liability insurance pays for injuries and property damage you cause to others, while uninsured and underinsured motorist coverage helps when the at-fault driver doesn’t have enough insurance to cover your injuries and property damage.
Who needs it: Minimum coverage is required to legally operate a vehicle in Connecticut. But Connecticut’s minimum insurance limits may not be enough to cover all the expenses after a serious accident. Unless you can pay several thousand dollars out of pocket, you’ll probably need more coverage than the state requires you to carry.
Cheapest companies, on average, for minimum coverage in Connecticut
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $38 |
| Allstate | 4.3/5 | $61 |
| GEICO | 5.0/5 | $66 |
| Kemper | 3.0/5 | $71 |
| Amica | 5.0/5 | $84 |
Rates refreshed October 2026.
The minimum amounts of car insurance required for Connecticut drivers are:
$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.
One accident could result in property damage or injury costs that go well above these liability limits. Many new and luxury cars cost more than $25,000, and if you only have the minimum amount of insurance, you’ll have to pay every dollar beyond your policy limits.
So, if you can afford it, we recommend Connecticut drivers buy more than the bare minimum requirements.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Cheap auto insurance in Connecticut for young drivers
Young drivers may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high in your 20s, 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 minimum coverage car insurance in Connecticut for young drivers
For bare-bones coverage for 20-year-olds, these companies had the lowest average rates:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $161 |
| GEICO | 5.0/5 | $182 |
| Amica | 5.0/5 | $189 |
| Kemper | 3.0/5 | $202 |
| Encompass | 3.1/5 | $225 |
Cheapest full coverage car insurance in Connecticut for young drivers
If you have a clean driving record consider the following companies, which had the lowest average rates for 20-year-old drivers:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Encompass | 3.1/5 | $449 |
| Kemper | 3.0/5 | $492 |
| GEICO | 5.0/5 | $533 |
| Amica | 5.0/5 | $584 |
| Progressive | 4.8/5 | $592 |
Cheap auto insurance in Connecticut for senior drivers
Car insurance costs may start to rise for older drivers, so it’s wise to shop around for the cheapest rates. You can also check for senior discounts. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest minimum coverage car insurance in Connecticut for seniors
Drivers in Connecticut who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates for 70-year-old drivers:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $44 |
| Allstate | 4.3/5 | $58 |
| Kemper | 3.0/5 | $77 |
| Amica | 5.0/5 | $85 |
| Encompass | 3.1/5 | $91 |
Cheapest full coverage car insurance in Connecticut for seniors
Drivers in Connecticut with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates for 70-year-olds:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $118 |
| Encompass | 3.1/5 | $187 |
| Kemper | 3.0/5 | $191 |
| Allstate | 4.3/5 | $206 |
| Amica | 5.0/5 | $255 |
Cheapest car insurance in Connecticut by driving record
Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and your other personal characteristics.
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Connecticut drivers with different driving records. If you have multiple violations on your record, consider looking into the best high risk car insurance companies.
Cheapest car insurance in Connecticut after a speeding ticket
If you recently got a speeding ticket in Connecticut, check out these companies we found with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $48 |
| Allstate | 4.3/5 | $89 |
| GEICO | 5.0/5 | $98 |
| Amica | 5.0/5 | $110 |
| Kemper | 3.0/5 | $118 |
Cheapest car insurance in Connecticut after an accident
And here are the companies with the lowest average rates for minimum coverage and a recent at-fault accident in Connecticut:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $41 |
| Allstate | 4.3/5 | $108 |
| Amica | 5.0/5 | $113 |
| GEICO | 5.0/5 | $122 |
| Kemper | 3.0/5 | $126 |
Cheapest car insurance in Connecticut after a DUI
For drivers with a recent DUI in Connecticut, here are the companies with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $62 |
| Allstate | 4.3/5 | $89 |
| Kemper | 3.0/5 | $121 |
| Progressive | 4.8/5 | $168 |
| Nationwide | 4.8/5 | $271 |
Cheapest car insurance in Connecticut by credit history
Your credit history can impact your auto insurance rates in Connecticut. Insurers use a credit-based insurance score, which is different from your regular credit score, to determine the likelihood you’ll file a claim. Your credit score is likely a good indicator of your credit-based insurance score.
Cheapest car insurance in Connecticut for drivers with poor credit
NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Connecticut drivers with poor credit. Drivers with poor credit in Connecticut can look at the following companies with the lowest average rates for minimum coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Travelers | 4.9/5 | $66 |
| GEICO | 5.0/5 | $98 |
| Allstate | 4.3/5 | $101 |
| Kemper | 3.0/5 | $103 |
| Encompass | 3.1/5 | $150 |
Cheapest car insurance for military families in Connecticut
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 70 of the 70 driver profiles we examined.
How we chose the cheapest companies in Connecticut
NerdWallet’s editorial team analyzed car insurance rates from 11 auto insurers in Connecticut and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2023 Toyota Camry LE. 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.
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.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Connecticut Insurance Department. Auto Insurance Information Center. Accessed Sep 16, 2026.
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 2023 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-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.
