Compare Connecticut Car Insurance Rates

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connecticut $171.42/mo.
National $89.17/mo.

Average Premiums

Connecticut’s called “The Land of Steady Habits.” If everyone’s steady at the wheel, why is car insurance so expensive? There are a few reasons: most people live in cities, there are a lot of rich people who drive expensive cars, and traffic can be intense. But is it still possible to find cheap car insurance in CT? We’ll show you how.

If you don’t have time to read this whole guide, you can skip ahead and start getting quotes for cheap car insurance. It’s super easy. If you have a bit more time, then read our top 5 questions we get asked about car insurance in Connecticut.

How do I Find the Cheapest Auto Insurance in CT?

Inexpensive insurance isn’t easy to find in Connecticut. The state ranked tenth (in 2015) for the average annual amount spent on auto insurance. So, of course, you want to know: Which insurance company offers the cheapest car insurance quotes in CT?

There’s no single answer to that question, unfortunately. That’s because car insurance isn’t one-size-fits-all. Every company calculates premiums differently, based on factors like driving history, age, marital status and credit history. Therefore, there’s only one effective way to find the most affordable policy: compare personalized auto insurance quotes for Connecticut, side by side.

We can help you out! All you have to do is enter some basic info, then select the level of insurance you want. To find the absolute cheapest CT car insurance, pick state minimum coverage. Then compare the quotes you get.

See How Much You Can Save On Your Car Insurance Today!

What are Connecticut’s Minimum Auto Insurance Requirements?

As of Jan. 1, 2018, Connecticut raised its minimum insurance limits to 25/50/25. Here’s what that means:

  • $25,000 for injury or death of one person in an accident you’re responsible for
  • $50,000 for bodily injury or death per accident
  • $25,000 for property damage in an accident you’re responsible for

Connecticut also requires uninsured/underinsured motorist bodily injury coverage to match: $25,000 per person and $50,000 per accident. This can protect you and your passengers if you’re hurt in an accident caused by a driver with no insurance or not enough insurance.

Cheap Liability Coverage in Connecticut

In Connecticut, you’ll need a policy that meets the state minimum requirements: $25,000 per person and $50,000 per accident in bodily injury liability, plus $50,000 in property damage liability (and uninsured/underinsured motorist bodily injury coverage to match.) The best way to find a truly cheap liability car insurance policy that meets those requirements is to compare different quotes on That way, you’ll know you’re not paying too much.

When we ran the numbers for a sample driver — a 27-year-old New Haven woman who has a clean driving record — her liability insurance quotes ranged from $125 to $154 per month, paid in full. That means she could save $29 every month, just because she took the time to compare. Check out your own liability car insurance rates!

Should I Carry More Than the Required State Minimum Coverage in CT?

That totally depends on three things: your risk tolerance, your budget and the car you drive.

Nationwide, the average auto liability claim for property damage is $3,683, and the average auto liability claim for bodily injury was $16,110 (according to the Insurance Information Institute). So, if you cause a minor accident, chances are that 25/50/25 CT state minimum insurance will cover you.

However, if you own assets like a house or investments, insurance experts will tell you that it’s smart to carry higher coverage to protect yourself in case you get sued. Ideally, you’d have 100/300 limits for bodily injury liability coverage ($100,000 per person/$300,000 for all people injured in one accident), Edmunds says. And if you drive a newer car, or one with a loan, you’ll have to carry comprehensive and collision coverage.

How Can I Find Cheap CT Car Insurance that Gives Me Enough Protection?

We can help you find that perfect middle ground: affordable CT car insurance you can actually afford. And it only takes a few minutes to find the best deal!

Begin by getting quotes for CT state minimum insurance. Then, compare those quotes with the rates you get for higher coverage levels. As an example, we’ll look at a 27-year-old driver in New Haven, CT. She has a good driving record, and she drives a five-year-old Honda Accord. Her quotes for state minimum insurance range from $125 to $154 per month, paid up front. (You can also choose to pay month to month, but your rates will be higher.)

Yale University CT

Because her car’s newer, our New Haven driver wants to upgrade to Basic coverage, which adds comprehensive and collision. Now, her quotes range from $129 to $254 per month. Wait — her best quote for Basic is just $4 more than state minimum? Sometimes you get nice surprises when you compare CT car insurance quotes.

Now, let’s say our driver owns her own condo in New Haven. If she wants more insurance to protect her assets, she can get quotes for the Plus level, too. That means a whole lot more coverage! In Connecticut, Plus coverage doubles bodily injury and property damage liability to 50/100/50 (with the same limits for uninsured motorist coverage).

It also adds $2,000 in medical payments, which covers medical bills for the driver, family and passengers after an accident — no matter who was at fault. Plus also drops the comprehensive/collision deductible to $500, and adds towing/rental car coverage. Our New Haven driver’s quotes for Plus coverage range from $156 to $236 per month. That’s a wide range, so you can see why it’s important to compare.

Your quotes will be different, of course! Once you find the best quote for the policy you want, just click to buy.

What Happens if You Drive Without Car Insurance in Connecticut?

If you drive without insurance in Connecticut, you’ll get hit with penalties that can include:

  • Suspension of your driver’s license and registration for one month (for a first conviction) or six months (for later convictions)
  • A fee of $175 to restore your license and registration
  • A fine of between $100 to $1,000
  • Up to three months in jail
  • Vehicle seized

Please don’t drive uninsured. We’ll help you find a policy you can afford. Compare CT car insurance options and get multiple quotes. Start now!

What Fees Will I Have to Pay When Buying a Car in Connecticut?

If you’re in the market for a new or used car, you’ll need to budget for more than just the vehicle’s sticker price. You’ll be on the hook for basic DMV fees like title, license plate, and registration fees no matter where and how you purchase your new car, truck or SUV, as well as buying a new car insurance policy for your car. But some buyers will find themselves with additional fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees and a slew of other costs.

Check out’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Connecticut.

How Do Car Insurance Rates in Connecticut Differ by City?

The area you live in is one of the main factors that determine how much or how little you pay for car insurance. If your area has a high auto theft rate, you may pay more. If there is very little traffic on your way to work, you may end up paying less. To help you see how rates vary from city to city, check out our rate comparison table below.

City Average Monthly Car Insurance Premium
Ansonia $103
Bloomfield $101
Branford $120
Bridgeport $146
Bristol $111
Danbury $104
East Hartford $108
East Haven $120
Enfield $83
Fairfield $114
Groton $98
Hamden $116
Hartford $144
Manchester $91
Meriden $123
Middletown $103
Milford $94
Naugatuck $114
New Britain $115
New Haven $130
New London $94
New Milford $85
Newington $104
Norwalk $91
Norwich $115
Shelton $94
South Windsor $98
Stamford $111
Stratford $119
Torrington $105
Vernon Rockville $73
Wallingford $95
Waterbury $129
West Hartford $84
West Haven $134
Willimantic $88
Windsor $84

Click on the name of each city in the table above to find detailed breakdowns on all the factors that go into calculating your monthly premium. Here, you’ll find all the information you need on how things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.

And if you want to jump right in and see how much you’ll pay, simply enter your ZIP code below and find your best rate in minutes!