Cheap Car Insurance in Connecticut 2019

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Finding cheap Connecticut car insurance

If you want cheap car insurance in Connecticut, we're here to help. We've compiled data on insurance premiums by company and town so you can see how prices stack up for Connecticut drivers.

Sections:

  Connecticut vs. the U.S. average
  
Average premiums by company
  
Insurance increases after a speeding ticket
  
Average premiums in Connecticut cities
  
Find cheap Connecticut auto insurance

Connecticut vs. the U.S. average

Average premiums paid by Connecticut drivers with good records are higher than the national average:

  • $1,928/year Connecticut average.
  • $1,684/year national average.

Average Connecticut insurance premiums by company

Company

Average annual premium in Connecticut

The Hartford

$1,645

AAA Insurance/Auto Club

$1,733

Amica

$1,745

USAA

$1,783

MetLife

$1,800

Travelers Insurance

$1,818

Geico

$1,862

Safeco

$1,905

State Farm

$1,946

Nationwide Insurance

$1,974

Allstate

$1,992

Liberty Mutual

$2,032

Progressive Insurance

$2,126

Farmers Insurance

$2,141

Esurance

$2,537

Insurance increases in Connecticut after a speeding ticket

Connecticut drivers with a speeding ticket get an average insurance increase of 19%, lower than the national average increase.

State Annual premium with clean driving record Annual premium with speeding ticket % increase
Connecticut $1,928 $2,299 19%
Nationwide average 26%

Average premiums in Connecticut cities

City

Average annual premium

Bridgeport

$2,239

Bristol

$1,821

Danbury

$1,814

East Hartford

$2,109

East Haven

$1,986

Enfield

$1,866

Hamden

$2,116

Hartford

$2,231

Manchester

$1,936

Meriden

$1,958

Middletown

$1,886

Milford

$1,697

New Britain

$1,962

New Haven

$2,152

Norwalk

$1,923

Norwich

$1,866

Shelton

$1,773

Stamford

$1,900

Stratford

$1,905

Waterbury

$2,186

West Haven

$1,914

Getting cheap Connecticut auto insurance

  • Ask your insurance agent to review all the available car insurance discounts.
  • Increase the deductible on comprehensive and collision coverage, if you have them.
  • Buy renters or home insurance and auto insurance from the same company to get a "bundling" discount.
  • If you're buying a car, ask your insurance agent to run quotes for the cars you're considering so you're not surprised by the insurance bill later.
  • Compare car insurance quotes from multiple insurance companies.
  • Try to maintain a good driving record with no accidents, moving violations or insurance claims.

Minimum car insurance in Connecticut

Connecticut requires car owners to buy two types of auto insurance: Liability and uninsured/underinsured motorist coverage. But often the state minimum insurance isn't enough if you're in an accident. Let's sort through the options in Connecticut so you can make the best choice.

Minimum liability insurance:

Liability insurance pays others if you cause a crash. It does not pay for any damage to your own car.

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

This is usually written as 25/50/20.

Uninsured/underinsured motorist (UM/UIM) coverage:

UM/UIM is required in Connecticut. You can make a claim on UM/UIM if you're injured by a driver who has no liability insurance or not enough. Typically you'd buy UM insurance limits that match your bodily injury liability limits, and the minimum in Connecticut is 25/50 ($25,000 per person/$50,000 per accident).

Connecticut also has an unusual optional insurance type called Underinsured Motorist Conversion coverage. You can buy this instead of UIM coverage. With conversion coverage, you can collect the full amount from your policy, without UIM reimbusement being reduced by the at-fault driver's liability insurance.

Think of it this way: Typically your potential UIM benefit is reduced by the at-fault driver's liability insurance. Say you have $150,000 in UIM and a driver with only $50,000 in liability crashes into you. Say you have $200,000 in injuries. Under traditional UIM, the most you can collect is $150,000 (that's $50,000 from the driver and $100,000 from your UIM). That's right: Under regular UM insurance you do not get $50,000 from the driver plus $150,000 from your UIM. You get the limit of your own UIM policy.

But with Connecticut's Underinsured Motorist Conversion insurance, you could collect $50,000 from the driver plus $150,000 from your own UIM, totaling $200,000 for your medical bills.

Optional car insurance in Connecticut

Collision and comprehensive coverage: Together these pay for damage to your vehicle caused by hitting another car or an object, hitting an animal, hail, flood, explosions and fire. Comprehensive insurance also pays out if your vehicle is stolen and not recovered.

Medical payments (MedPay): Pays for injuries to you and your passengers no matter who was at fault.

You must show an insurance ID card (or other proof of financial responsibility) in Connecticut when:

  • Law enforcement requests it
  • Your vehicle is involved in a car accident

Penalties for not having auto insurance in Connecticut

  • May suspend or revoke license and registration at the court's discretion

Source: Property Casualty Insurers Association of America

Complaints against the largest car insurance companies in Connecticut

The department of insurance in all states collects complaints against insurance companies. A national "complaint ratio" shows complaints relative to an insurer's size of business. Here are national complaint ratios for the largest car insurance companies in Connecticut.


Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Feb. 20, 2019

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