Last Updated on January 2, 2026

Car insurance in Connecticut can run higher than the national average—especially in higher-traffic areas and for drivers with recent tickets, accidents, or a lapse in coverage. The good news: rates vary a lot by company, so comparing quotes is the fastest way to find a better price.

Recent industry estimates often place full coverage in Connecticut in the mid-$2,000s to low-$3,000s per year for many driver profiles, while minimum coverage auto insurance can still be surprisingly expensive depending on your ZIP code and driving history.

Below, we’ll break down the best car insurance companies in Connecticut, what Connecticut requires drivers to carry, and how to save—whether you’re shopping for a new policy or trying to lower your current bill.

Key Takeaways

1. Connecticut Rates Can Be Above Average: Many drivers see full coverage priced in the mid-$2,000s to low-$3,000s per year, so shopping multiple quotes is key.
2. Minimum Coverage Is 25/50/25 (Plus UM/UIM): Connecticut requires $25,000/$50,000 bodily injury liability, $25,000 property damage liability, and uninsured/underinsured motorist coverage.
3. Continuous Coverage Matters: Connecticut expects continuous insurance on registered vehicles—lapses can lead to DMV fines and possible registration suspension.
4. Discounts Add Up: Bundling, telematics, higher deductibles, and eligible driving-course discounts can reduce your premium without cutting core coverage.

Average Cost of Car Insurance in Connecticut

Your rate depends on far more than your car. Insurers typically price policies using factors like your age, ZIP code, driving record, claims history, annual mileage, vehicle type, and (where permitted) credit-based insurance factors.

In general:

• Minimum coverage is the cheapest way to drive legally, but it can leave you exposed if you cause a serious crash.
• Full coverage usually means liability plus collision coverage and comprehensive coverage—helpful for newer cars, financed vehicles, and drivers who want broader protection.
• Comprehensive is only one piece of full coverage (it covers things like theft, vandalism, hail, and animal impacts), which is why full coverage isn’t the same as comprehensive coverage.

Top 10 Auto Insurance Companies in Connecticut

There’s no single “best” insurer for everyone. The right pick depends on what you value most—lowest price, best claims handling, strong digital tools, lots of discounts, or personalized help from a local agent.

Here are 10 strong options Connecticut drivers commonly consider:

1. GEICO

GEICO is a popular choice for drivers who want straightforward online quoting, a strong mobile experience, and a long list of discount opportunities. It’s often a competitive option for clean-record drivers and households with multiple vehicles.

2. State Farm

State Farm stands out for drivers who prefer working with a local agent—especially if you want help adjusting coverage, bundling policies, or managing a claim. It can be a solid fit for families, homeowners, and drivers who value support over a “DIY-only” approach.

3. USAA

USAA is consistently one of the strongest options for eligible drivers (military members, veterans, and qualifying family members). If you qualify, it’s worth quoting because pricing, coverage value, and customer experience are often excellent.

4. Travelers

Travelers is a strong “all-around” option in many markets, with a broad set of coverages and add-ons. It can be a good fit if you want flexible deductibles, optional protections, and the ability to bundle.

5. Amica Mutual

Amica Mutual is known for strong customer service and claims satisfaction. It’s often a smart option for drivers who prioritize experience and reliability—even if it isn’t always the cheapest quote on the screen.

6. Progressive

Progressive is a go-to for drivers who want lots of coverage customization, online tools, and potential savings through usage-based or telematics-style programs. It can also be a good company to check if your driving record isn’t perfect—because pricing varies widely by insurer.

7. Nationwide

Nationwide is worth a look if you plan to bundle home and auto, want a well-established carrier, or prefer a mix of agent support and digital servicing tools.

8. Allstate

Allstate can be a good match for drivers who want a large network of local agents, a variety of optional coverages, and discount opportunities for safe driving and bundling.

9. The Hanover

The Hanover is often sold through independent agents and can be a great fit for drivers who like working with an agent but want policy “packages” with extra features and protections.

10. Liberty Mutual

Liberty Mutual is another major insurer with wide availability in Connecticut and plenty of policy options. It’s a useful quote to include in your comparison—especially if you’re bundling, insuring multiple drivers, or looking for optional coverage add-ons.

How to Choose the Best Car Insurance in Connecticut

When you compare quotes, make sure you’re comparing the same coverage—not just the same monthly payment. Use this quick checklist:

• Match liability limits across every quote (apples-to-apples pricing).
• Choose deductibles you can afford for collision and comprehensive.
• Confirm optional coverages you actually need (rental reimbursement, roadside, gap coverage, etc.).
• Check the insurer’s claims process (24/7 support, local repair network, digital claim tracking).
• Ask about discounts (bundling, good student, safe driver, low mileage, paid-in-full, defensive driving, and more).

Connecticut Insurance Requirements

Connecticut requires drivers to carry minimum liability coverage (and uninsured/underinsured motorist protection) to legally drive. If you’re curious how Connecticut compares to other states, see our state-by-state auto insurance requirements guide.

Connecticut’s minimum auto insurance requirements include:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 / $50,000 uninsured/underinsured motorist coverage (per person / per accident)

For the most current details from the state, you can also review the Connecticut Insurance Department’s overview of auto insurance here: Connecticut Auto Insurance (CID).

Remember: minimum limits are just that—minimums. If you lease or finance your vehicle, your lender will almost always require broader protection (typically including collision and comprehensive).

Driving Without Insurance in Connecticut

Driving without insurance in Connecticut can get expensive fast. If you’re pulled over without coverage (or you can’t provide proof), you may face fines and additional consequences.

Connecticut also expects continuous insurance coverage on any registered vehicle. If you have a lapse long enough to trigger DMV action, you can face a fine and possible registration suspension. To see how the state handles insurance compliance (including lapse issues), visit the DMV’s guidance here: Insurance Compliance & Lapsed Coverage (CT DMV).

If you’re in a crash while uninsured, the financial risk can be severe. Even if you have a clean record otherwise, you may have to pay out of pocket for injuries and damages—especially if you cause an accident while uninsured.

Tip: Keep proof of insurance accessible (paper or digital). A quick stop can turn into a bigger problem if you can’t show proof—see what to expect in our guide on tickets for no proof of insurance.

Car Insurance in Connecticut with DUI

A DUI conviction typically causes a major rate increase and can limit your choices. Some companies may refuse to renew your policy, while others will insure you—but at a much higher price.

If you’re shopping after a DUI, focus on these steps:

• Compare multiple quotes (pricing varies drastically by insurer after a DUI).
• Ask whether you need an SR-22 or other proof of financial responsibility.
• Look for discounts you still qualify for (bundling, paid-in-full, telematics, etc.).

For a deeper breakdown of what to expect, see our guide to cheap DUI/DWI car insurance.

Car Insurance in Connecticut with At-Fault Accidents

After an at-fault accident, many drivers see higher premiums at renewal—sometimes for multiple years. The severity of the crash, your prior history, and your insurer’s rules all matter.

If you recently caused a crash, start here: what happens when you’re at fault in an accident. You can also review common pricing triggers in our guide to the top causes of car insurance rate increases.

To save money after an accident, compare quotes at renewal, consider adjusting deductibles, and ask about accident forgiveness (if available and if you qualify).

Car Insurance in Connecticut with Speeding Tickets

A single minor speeding ticket may cause a small increase—or none at all—depending on the insurer. Multiple tickets, higher speeds, or a reckless driving citation can raise rates much more.

If you’re trying to keep costs down after a ticket, start with our guide on finding cheap auto insurance with a speeding ticket and compare several quotes before you renew.

Car Insurance in Connecticut for Young Drivers

Drivers under 25 usually pay more because insurers see younger drivers as higher risk. The biggest cost drops often happen as you gain experience—and many drivers see meaningful improvement as they get older, including around age 25.

To lower costs, young drivers in Connecticut should consider:

• Staying on a family policy when possible
• Good student discounts and driver training discounts
• Choosing a safe, lower-cost vehicle to insure
• Comparing multiple insurers every renewal

For more strategies, see our guide to the cheapest car insurance for young drivers.

Car Insurance in Connecticut with Poor Credit

In many states, insurers may consider credit-based insurance factors when pricing a policy. If your credit is hurting your rate, the best move is to compare quotes—because some companies weigh credit-related factors more heavily than others.

To learn how credit can influence pricing (and what you can do about it), see: does credit score affect your car insurance rates?

SR-22 Insurance in Connecticut

An SR-22 is a form your insurer files to prove you carry the coverage the state requires. Not every driver needs one, but certain serious violations (including some DUI-related situations) can trigger a filing requirement.

If you’re required to file, the key is keeping your policy active for the entire period—because a cancellation can restart the clock or lead to another suspension. Learn more here: how long an SR-22 lasts. If you need a cheaper option, start with our guide to cheap SR-22 insurance.

How to Save on Car Insurance in Connecticut

Try these proven ways to lower your premium:

• Shop quotes regularly: pricing changes constantly—especially after renewals.
• Bundle policies: home + auto (or renters + auto) discounts can be significant.
• Raise deductibles: if you can afford a higher out-of-pocket cost after a claim.
• Use telematics (if it fits your driving): safe drivers may save with usage-based programs.
• Ask about Connecticut driving-course discounts: the DMV lists courses and discount rules here: Insurance Discounts & Driving Courses (CT DMV).

Conclusion: How to Find the Best Auto Insurance in Connecticut

The best car insurance in Connecticut is the policy that gives you the right coverage at the best price—backed by an insurer you trust to handle claims fairly. Compare quotes from several companies, choose liability limits that actually protect you, and revisit your policy at least once a year.