Best Cheap Car Insurance in Connecticut for 2022

Searching for affordable car insurance in the Constitution State can be tricky, but it’s certainly not impossible. To help you out we’ve taken the liberty of gathering all the information you need to hunt down cheap car insurance in Connecticut. 

Keep reading to learn about Connecticut’s car insurance requirements, how to find affordable car insurance in Connecticut, and what auto insurance discounts are available to New England drivers. 

Connecticut Car 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.

Connecticut Car Insurance Penalties

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. Just enter your zip code to start now!

Cheapest Car Insurance for Teen Drivers in Connecticut 

As any parent will tell you, finding cheap car insurance for teen drivers in Connecticut is much easier said than done. Their lack of experience on the road and in life has insurance companies placing them in a high-risk group for drivers. Thankfully, there are options for car insurance for teen drivers in Connecticut that won’t break the bank. 

Liberty Mutual is the cheapest car insurance company for Connecticut teens, with average rates of around $399/mo for liability insurance.

Although this company offers one of the lowest rates for teen drivers in Connecticut, this doesn’t mean it’s the only (or best) option available for you. There are several factors that auto insurance companies take into consideration when determining your monthly rates. Shop around with your teen driver and compare car insurance rates to ensure you’re getting the best deal for everyone in your family.

Cheapest Car Insurance for Young Drivers in Connecticut 

After drivers reach the age of 25, they’ll notice a significant drop in auto insurance rates. Until then, they’ll need to do their homework to find cheap car insurance in Connecticut. 

Here is the most affordable company for drivers 18-24 years old in Connecticut. 

Drivers in this age range will enjoy cheap rates from Liberty Mutual, with premiums averaging $274/mo for liability insurance. While this is listed as one of the cheapest auto insurance options for young drivers, you can still benefit from making your own comparisons. 

Other auto insurers may give you better rates depending on your educational background, driving history, or zip code. Compare car insurance quotes from various companies to find the most affordable insurance premiums. 

Cheapest Car Insurance for Retired Drivers in Connecticut

Retired drivers in their “Golden Age” are likely enjoying their newfound work freedom by spending time with family, taking vacations, and picking up new hobbies.  However, drivers 65+ may be surprised to see their insurance premiums start to rise again. 

As drivers get older, insurance companies begin to see them as a higher risk, leading to an increase in car insurance. 

Retired drivers don’t need to worry too much; it is possible to find cheap car insurance in Connecticut. 

Plymouth Rock offers the cheapest car insurance with a monthly premium of $98/mo. Liberty Mutual is only $4 behind with a monthly rate of $102/mo. While these two companies only differ in price by $4, it’s still worth shopping around to see if better options are available. 

Cheapest Car Insurance for Married Drivers in Connecticut

Along with waking up to your best friend every day, marriage comes with a lot of perks. One of these benefits is a decrease in auto insurance rates. Since you’ve already said yes to forever, why not say yes to a new, cheaper car insurance policy? We’ve collected a few affordable options for married couples below:

As you can see, Liberty Mutual tops the list as the cheapest car insurance provider with a monthly premium of $108/mo. Plymouth Rock is second with rates of $127/mo, and Good2Go follows behind with a monthly premium of $133/mo. 

Plymouth Rock and Good2Go stand apart by a mere $5, but it’s still a good idea to shop around for the best policy for you and your other half. You may also want to look into any discounts you now qualify for as a married couple to save more money. 

Cheapest Car Insurance for Single Drivers in Connecticut

Although married couples will enjoy savings on their car insurance, this doesn’t mean single drivers are stuck overpaying for adequate coverage. The following insurance companies offer cheap car insurance for single drivers in Connecticut.

Safeco offers the most affordable insurance rates for single drivers in Connecticut with an average monthly premium of $119/mo for liability insurance. Next in line is Plymouth Rock  ($123/mo), Travelers ($139/mo), and Liberty Mutual ($141/mo), with the most affordable premiums if you’re not married. 

Since single drivers tend to pay more for auto insurance than married couples, make sure to compare car insurance rates and check for any discounts that can help you save on your monthly insurance premium. 

Cheapest Car Insurance for Men vs. Women in Connecticut

It’s important to remember that your gender is a factor when auto insurance companies calculate your monthly rates. Here are the most affordable auto insurance options for men and women in Connecticut. 

Cheapest Car Insurance Companies for Men in Connecticut

Cheapest Car Insurance Companies for Women in Connecticut

When comparing the most affordable rates for men and women in Connecticut, you’ll find that Safeco offers the cheapest rates for men at $109/mo, while Plymouth Rock offers the cheapest rates for women at $125/mo.

For men, Plymouth Rock comes in as second cheapest with a monthly rate of $121/mo, while Safeco comes in as second cheapest for women with a monthly rate of $127/mo.

Besides your gender, many factors impact the rate an insurance company quotes you, so make sure you take time to compare rates between auto insurers before making a final decision. 

Cheapest Car Insurance for Connecticut Drivers with Spotty Records

Nobody’s perfect – especially when it comes to driving. If you’re someone who’s been in an accident (or two) or you have a few tickets on your record, you might think it’s impossible to find cheap car insurance. Although your driving history does impact your car insurance rates, you can find affordable car insurance with a spotty record. 

Cheap Car Insurance for Drivers with a Ticket on their Record

Cheap Car Insurance for Drivers with Multiple Tickets on their Record

As you can see, there isn’t too big of a difference in car insurance costs for drivers with one ticket vs. drivers with multiple tickets. Drivers with one ticket who choose Plymouth Rock ($157/mo) are only paying $3 more than drivers who have multiple tickets on their record. In addition, drivers who choose Good2Go ($177/mo) are paying the same as drivers with multiple tickets who choose Liberty Mutual as their auto insurer.

If you’re someone with a spotty driving record, you must compare car insurance rates to avoid overpaying for auto insurance rates. Your driving record is only one of the factors used to calculate your rates, along with your vehicle, age, and address. 

Cheap Car Insurance for Drivers with an Accident on their Record

Cheap Car Insurance for Drivers with Multiple Accidents on their Record

On average, drivers in Connecticut with multiple accidents on their record will pay more for auto insurance than drivers with one accident. For example, a driver insured by Plymouth Rock with one accident on their record will pay $150/mo for liability insurance. In contrast, a driver with multiple accidents will pay $199 a month. That’s almost $50 more a month! In a year, you could end up paying $600 more for car insurance. 

If you’re a driver who’s had the misfortune of getting involved in multiple accidents, try to shop around for car insurance regularly. Actively compare car insurance premiums and search for any discounts that may apply to you and other drivers in your family. By doing this you can find more affordable car insurance until the accidents or tickets drop off your record.

Cheapest Connecticut State Minimum Coverage

Drivers who are only interested in the state minimum coverage for their vehicle can also find cheap auto insurance in Connecticut. The following auto insurance companies offer affordable state minimum coverage for drivers looking to save money on car insurance. 

You can get state minimum coverage in Connecticut for as low as $95/mo when you choose Safeco as your auto insurance company. Plymouth Rock ($101/mo) and Liberty Mutual ($118) follow behind, but there’s quite a gap between these companies and Good2Go ($152/mo). 

Just because these are listed as the most affordable car insurance options for basic coverage doesn’t mean you need to stop here. If you want to save even more on your auto insurance, do your own research and compare car insurance rates to find the most affordable option for your situation. You can also ask your insurer which discounts you qualify for to lower your monthly car insurance rates further. 

Cheapest Full Coverage Car Insurance in Connecticut

Are you a driver who likes to err on the side of caution? Or do you need full coverage insurance because your car is currently leased or financed? No matter your situation, an increase in protection will almost always increase car insurance rates. 

But don’t panic just yet. You’ll be glad to know that Connecticut has affordable full coverage car insurance options. 

These auto insurance companies offer the cheapest options for full coverage insurance in Connecticut. 

Travelers offers full coverage insurance for $142/mo. The next affordable option sees a jump of 23% to Plymouth Rock ($172/mo) and 54% to Liberty Mutual ($218/mo). As you see, rates can vary greatly even amongst the most affordable companies in the area so be sure to shop around and compare rates from several insurers. 

The Best Rated Car Insurance Companies in Connecticut

Each year J.D. Power conducts a customer satisfaction survey to identify the top-rated auto insurance companies based on a 1,000 point scale.

These are the best-rated car insurance companies in Connecticut this year:

• Amica Mutual – 867 points
• State Farm – 855 points
• GEICO – 841 points
• Progressive – 840 points
• Safety Insurance – 817 points 
• Liberty Mutual – 816 points 
• MAPFRE Insurance – 812 points 
• Travelers – 812 points
• Allstate – 810 points 
• Arbella – 809 points 

As you can see from the list, Amica Mutual comes in first place with 867 points. The scoring system was based on a combination of interaction, price, customer service, policy offerings, policy information, claims, and the billing process. Popular insurance companies like State Farm (855 points) and GEICO (841 points) follow behind. 

Connecticut Car Insurance Discounts

One of the best ways to save money on your car insurance in Connecticut is to take advantage of discounts offered by your car insurance company. While each car insurance company will offer different discounts, here are some standard options you may qualify for:

• Good Driver Discount: Are you a good driver? You can save up to 40% on your insurance premium by demonstrating good driving habits. Of course, your insurance company may need to install a telematics device as evidence of these habits, but if you meet the standards, you’ll enjoy some serious savings. 

• Driver Education Discount: Older drivers in Connecticut have the option of qualifying for a discount after completing a state-approved defensive driving course. Upon completion, you can save anywhere from 5%-10% on your insurance premium. 

• Continuous Insurance Discount: Insurance companies like to reward drivers who’ve never gone without car insurance. If you’ve been continuously insured for six months or more, you qualify to save money on car insurance. You can shave between 5% to 25% off your car insurance premium. 

• Paperless Discount: Go green, help the environment, and save some money while you’re at it. You can save money on car insurance when your auto insurer emails you your insurance documents instead of mailing them to you. You may also qualify for a discount by making payments online. 

• Paid-in-full Discount: Insurance companies reward you for paying your entire yearly payment in one lump sum. You’ll get to save money on your insurance premium and be free from monthly payments. 

• Good Student Discount: Are you or a member of your family currently in high school or college? If so, you can save money on your insurance premium with a good student discount. You’ll need to maintain a B average (3.0 GPA) or higher to qualify. In addition, students who rank in the top 20% of their class may also qualify for this discount. Check with your insurer to find out their exact requirements. 

• Safety Features Discount: Driving a vehicle equipped with the latest safety features can help you save some money on your insurance premium. Some features that will help you earn this discount are anti-lock brakes and electronic stability control. 
• Anti-Theft System Discount: Getting your car stolen is any driver’s worst nightmare. Insurance companies reward customers who take measures to protect their vehicles from theft with discounts. A feature like a vehicle tracking system can help you save from 15% to 20% on your insurance premium. 

Before you start looking for discounts, be sure to make sure your premium is affordable. You can compare the auto insurance rates of over 60 insurance companies to find the best option for your budget. Just enter your zip code to get started.

Compare Car Insurance Rates by Connecticut Cities

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 city 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.

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.

Connecticut Vehicle Registration Fees and Other Costs

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 Compare.com’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.

Connecticut Auto Insurance FAQs

What car insurance is required in Connecticut?

In Connecticut, the minimum insurance coverage levels are:

• Bodily Injury Liability: $25,000 for injury/death to one person; $50,000 for one accident 
• Property Damage Liability: $25,000 

How much is car insurance in Connecticut?

Insurance rates in Connecticut vary between drivers, but in general, the average auto insurance rate is $139/mo.

What happens if you drive without insurance in Connecticut?

Typically, when the DMV in Connecticut picks up a lapse in coverage, you’ll receive a letter giving you an opportunity to show proof of coverage for the period in question. If the proof isn’t furnished, a $200 fee is assessed per vehicle on the policy. This doesn’t result in suspension of your driver’s license or registration as long as replacement coverage has been obtained.

Does Connecticut require full coverage car insurance?

Connecticut doesn’t require its drivers to have full coverage car insurance. However, you can choose to secure a higher level of car insurance coverage with a combination of liability, comprehensive, and collision coverage. 

Can you get car insurance without a license in Connecticut?

If you don’t have a driver’s license in Connecticut, you’ll find it very hard to finalize a policy. Larger insurance companies may not allow you to secure insurance, so try smaller companies willing to insure riskier drivers. 

Methodology

All data referenced in this article comes from a combination of proprietary data — which is aggregated from millions of real customer quotes through Compare.com — and additional data gathered in collaboration with Quadrant.