How Much Does Car Insurance Cost in Connecticut?
Connecticut is known for its scenic byways and picturesque drives, such as along the coast or through the rolling hills of Litchfield County. These routes offer a chance to appreciate the state’s natural beauty. CT state law requires that all drivers in the state have car insurance.
So, how much should you expect to pay on average for car insurance in Connecticut?
Average Connecticut Car Insurance Rates:
- State Minimum Liability: You can expect to pay $78 a month or $935 a year.
- Full Coverage: You can expect to pay $217 a month or $2,610 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in your city – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Drivers in CT should compare multiple car insurance coverage options that may be cheaper than the average rates – we will breakdown costs throughout this guide. Knowing average auto insurance costs beforehand is helpful when using InsuranceQuotes to compare free local and national provider quotes so you can know what to expect when searching for a new policy.
Who Has the Cheapest Car Insurance in Connecticut?
- In Connecticut the cheapest auto insurance providers on average are GEICO, State Farm and Amica.
- State minimum liability car insurance starts at $58 a month or $691 a year.
- Full coverage car insurance would cost around $164 a month or $1,970 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in the state from our data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $691 | $58 | $1,970 | $164 |
| State Farm | $837 | $70 | $2,043 | $170 |
| Amica | $977 | $81 | $2,933 | $244 |
| Allstate | $986 | $82 | $3,418 | $285 |
| Progressive | $1,184 | $99 | $2,684 | $224 |
| Average Cost: | $935 | $78 | $2,610 | $217 |
Average CT Car Insurance Premium Rates by City
When comparing local car insurance costs in Connecticut, the city you live in will affect overall rates. Drivers living in more popular urban city areas often pay more than those who live in more rural areas with less population and potential for accidents. Use the table below to search for your city and see how much on average you should be paying locally for minimum and full coverage policies:
| CT City: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Abington | $1,022 | $85 | $2,837 | $236 |
| Amston | $812 | $68 | $2,386 | $199 |
| Andover | $857 | $71 | $2,441 | $203 |
| Ansonia | $1,139 | $95 | $3,123 | $260 |
| Ashford | $814 | $68 | $2,363 | $197 |
| Avon | $883 | $74 | $2,403 | $200 |
| Ballouville | $1,037 | $86 | $2,884 | $240 |
| Baltic | $825 | $69 | $2,383 | $199 |
| Bantam | $862 | $72 | $2,484 | $207 |
| Barkhamsted | $860 | $72 | $2,488 | $207 |
| Beacon Falls | $1,033 | $86 | $2,878 | $240 |
| Berlin | $941 | $78 | $2,538 | $211 |
| Bethany | $1,158 | $96 | $3,107 | $259 |
| Bethel | $912 | $76 | $2,597 | $216 |
| Bethlehem | $895 | $75 | $2,628 | $219 |
Popular Auto Insurance Cost Guides by City
See a more in depth guide for auto insurance costs broken down by popular cities in Connecticut.
CT Auto Insurance Rates by Age Group
Connecticut insurance companies will use age as a factor that influences your auto rates and quotes you receive. Younger drivers tend to face higher annual premiums compared to mature, more experienced drivers.
Statistics show that younger drivers, particularly teenagers and drivers in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road. Drivers older than 25 will see a significant drop in their auto policy costs as they are moved into the middle aged cost tier group for coverage.
* Full Coverage – Average Costs by Age:
- 17 – 25 years: $5,790 yearly – $482 monthly
- 25 – 54 years: $2,624 yearly – $219 monthly
- 55+ years: $2,982 yearly – $249 monthly
* State Minimum Liability – Average Costs by Age:
- 17 – 25 years: $2,144 yearly – $179 monthly
- 25 – 54 years: $935 yearly – $78 monthly
- 55+ years: $1,109 yearly – $92 monthly
Here is a full breakdown of the average costs for car insurance by age in Connecticut:
| Age: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| 17 | $3,452 | $288 | $8,824 | $735 |
| 18 | $2,902 | $242 | $7,724 | $644 |
| 20 | $1,850 | $154 | $5,127 | $427 |
| 22 | $1,362 | $114 | $3,905 | $325 |
| 24 | $1,154 | $96 | $3,369 | $281 |
| 29 | $955 | $80 | $2,791 | $233 |
| 34 | $936 | $78 | $2,665 | $222 |
| 39 | $931 | $78 | $2,607 | $217 |
| 44 | $934 | $78 | $2,596 | $216 |
| 49 | $932 | $78 | $2,570 | $214 |
| 54 | $920 | $77 | $2,515 | $210 |
| 64 | $935 | $78 | $2,524 | $210 |
| 74 | $1,148 | $96 | $3,096 | $258 |
| 76 | $1,246 | $104 | $3,328 | $277 |
What are the Most Expensive Vehicle Types to Insure?
The type of vehicle you drive in Connecticut will affect the overall costs of car insurance.
To determine how much you can expect to pay for your auto insurance based on vehicle type we averaged multiple cost quotes in CT and pulled data for vehicles such as a Toyota Camry, Chevrolet Bolt, BMW 4 Series, Honda CRV and Nissan Titan.
We pulled data from Connecticut insurance policy cost records across multiple providers. Our table displays the average costs associated with vehicle types for state minimum vs. full coverage policies of a driver who is single, middle aged, has a clean driving record, for a used vehicle:
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door): | $1,023 | $85 | $2,442 | $203 |
| Hybrid Electric: | $982 | $82 | $2,671 | $223 |
| Luxury Coupe: | $848 | $71 | $3,237 | $270 |
| SUV: | $977 | $81 | $2,154 | $180 |
| Truck: | $1,009 | $84 | $2,739 | $228 |
How Expensive is it to Insure a Brand New Car?
Drivers of brand new cars can often expect to pay more to insure their vehicles since they cost more to repair and have higher rates of theft. However, coverage is sometimes cheaper than older models of the same vehicle because of enhanced security features on newer models that lower your annual premiums.
We pulled insurance cost rates data for newer 2022-2023 vehicles below to give you an idea of the difference in coverage price for newer cars vs. used vehicles in Connecticut:
| New Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door): | $982 | $82 | $2,811 | $234 |
| Hybrid Electric: | $972 | $81 | $3,068 | $256 |
| Luxury Coupe: | $865 | $72 | $3,871 | $323 |
| SUV: | $965 | $80 | $2,457 | $205 |
| Truck: | $937 | $78 | $2,994 | $250 |
How Much Does a Driving Record Violation Increase Insurance Costs?
Driving violations can have a significant impact on your car insurance costs in Connecticut, as they indicate a higher level of risk to insurance providers. When you receive a driving violation, such as a speeding ticket or a DUI, your insurance company may consider you a higher-risk driver, which can lead to an increase in your insurance premiums for the foreseeable future.
Here is a breakdown of full coverage car insurance cost increases with driving violations:
- Clean Driving Record: Average annual premium cost of $2,125
- Speeding Tickets: 14% increase of an extra $281 a year at $2,412
- At-Fault Accident: 41% increase of an extra $864 a year at $2,988
- DUI/DWI: 81% increase of an extra $1,728 a year at $3,853
| Driving Violations: | AnnualPremium | |||
|---|---|---|---|---|
| Clean Driving Record: | $730 | $61 | $2,125 | $177 |
| 1 Speeding Ticket: | $819 | $68 | $2,412 | $201 |
| 1 At Fault Accident | $1,018 | $85 | $2,988 | $249 |
| 1 DUI Violation: | $1,258 | $105 | $3,853 | $321 |
How Much Car Insurance Do I Need in Connecticut?
Car insurance in Connecticut, like in most states, is a legal requirement for all drivers. Connecticut has specific insurance laws and regulations that govern the minimum coverage requirements and other aspects of auto insurance. Here are some key points to know about car insurance in Connecticut:
- Minimum Liability Coverage: Connecticut requires drivers to carry a minimum amount of liability insurance to cover injuries and property damage they may cause to others in an accident. The minimum liability coverage in Connecticut is often expressed as 25/50/25, which means:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
- Uninsured/Underinsured Motorist Coverage: Connecticut also requires uninsured and underinsured motorist coverage, which provides protection if you are involved in an accident with a driver who has insufficient or no insurance.
- Optional Coverages: While the state sets minimum requirements, you can choose to purchase additional coverage options for more comprehensive protection. Common optional coverages include collision coverage (for damage to your vehicle), comprehensive coverage (for non-collision events like theft and vandalism), and medical payments coverage.
- Factors Affecting Premiums: Several factors influence car insurance premiums in Connecticut, including your age, driving history, the make and model of your vehicle, your ZIP code, and your coverage choices. Drivers with a good driving record and low-risk vehicles typically pay lower premiums.
- Discounts: Many insurance companies offer various discounts that can help you save on premiums. These may include safe driver discounts, multi-policy discounts (combining auto and home insurance), good student discounts, and more.
- No-Fault Insurance: Connecticut operates on a “fault” system for car insurance, which means that the at-fault driver’s insurance typically pays for damages and injuries. However, Connecticut does have a “no-fault” component that covers medical expenses and lost wages, regardless of who is at fault.
- Penalties for Uninsured Drivers: Driving without insurance in Connecticut can result in fines, license suspension, and vehicle registration suspension. The penalties can be severe, so it’s essential to maintain continuous insurance coverage.
To find the best car insurance policy in Connecticut, it’s advisable to shop around, obtain quotes from multiple insurers through InsuranceQuotes, and compare coverage options and rates. This allows you to select the policy that best meets your needs and budget while ensuring compliance with Connecticut’s insurance laws.
Connecticut insurance law requires all insurers in the state to report their records of known uninsured vehicles to the state’s Department of Motor Vehicles (DMV).
When your insurance policy is canceled, the insurer notifies the DMV. If you are caught without a valid insurance policy, you will be given a warning by the DMV. This warning states that in order to keep your license and registration, you must enter into a consent agreement, obtain a new insurance policy, and pay a fine.
Auto Insurance Resources in Connecticut
Connecticut residents have many resources available when looking for auto insurance. Fortunately, the Connecticut DMV serves as a great starting point.
If you are a State of Connecticut employee, the Supplemental Benefits Program works with insurers to provide discounted auto and home insurance. These benefits are for people who are working more than 17.5 hours a week, retirees who once worked with the state, and spouses.
If you are a high risk individual and you can’t find coverage, you have two basic options:
- Non-standard insurance (an insurance plan issued to a high risk driver, either due to a DUI conviction or a driver using a high performance or modified vehicle as primary transportation.
- Connecticut Automobile Insurance Assigned Risk Plan.
According to the Connecticut Department of Insurance, the non-standard options are less expensive than the Automobile Insurance Assigned Risk Plan. However, the market for non-standard insurance plans is quite limited.
Tips for Saving on Connecticut Auto Insurance
If you’re a driver in Connecticut, the following tips can help you save on a policy:
- Obtain quotes from multiple insurers to find the best price and coverage plan.
- Raise your deductibles (out-of-pocket costs.)
- Maintain a good driving record.
- Complete an accident prevention course (the state offers numerous approved programs that yield great savings upon completion.)
Purchasing a modest, economical car is another way you can qualify for lower auto insurance rates in Connecticut. Anti-theft devices, good grades for younger drivers, and the addition of home insurance can provide cost savings as well.
Moving to Connecticut: Important Information
If you’re moving to Connecticut, you need to go to the DMV within 30 days to convert your out-of-state license. Your current license and registration must be valid to receive your license. The DMV also requires a vision test and fees for the license and registration.
In Connecticut, you must register an out-of-state vehicle within 60 days, and in the meantime, you’ll need a temporary registration. You may also need to get an emissions inspection within 30 days after registration.
Understanding Driving Laws in Connecticut
In Connecticut, you can’t use a cellphone while driving. You can use hands-free devices, but texting and talking directly on your phone both result in fines. Also, drivers under 18 may not use cell phones at all, even if they are talking through a hands-free device.
Driving under the influence (DUI) of alcohol or drugs is also strictly enforced, and if you’re caught, you’ll have to serve jail time, pay significant fines, and lose your license for a period of time. According to the Implied Consent Law, police officers can chemically test your blood if they suspect that you are driving under the influence. Refusal to take this test immediately results in fines and license suspension.
