If you’re looking for the best car insurance in Connecticut, Reviews.com can help. Connecticut has higher-than-average car insurance rates, so price might be a big consideration. And while price is important, it’s not the only factor to think about when buying a policy. We’ve rounded up some of the best car insurance companies in Connecticut that offer a range of options for drivers.
The 4 Best Auto Insurance Companies in Connecticut
When looking for the best car insurance companies in Connecticut, we first looked at 2021 average premium data from Bankrate.com. We also analyzed coverages, discounts, digital tools, and third-party ratings. We chose the following four companies as among the best in the state:
- Geico: Best for Low Prices
- Allstate: Best for Customizable Coverage
- Progressive: Best for Discounts
- USAA: Best for Military-Centric Options
Compare the Best Car Insurance Companies in Connecticut
As you delve into our research, keep in mind that we chose these companies based on our own methodology. The company that is best for you will depend on your unique needs and may not be included on this list.
| AVERAGE ANNUAL MINIMUM | AVERAGE ANNUAL FULL | AM BEST AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. POWER** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Geico | $427 | $1,071 | A++ | 841 | |
| Pin Allstate | $804 | $2,017 | A+ | 810 | |
| Pin Progressive | $1,083 | $2,573 | A+ | 840 | |
| Pin USAA | $472 | $1,264 | A++ | 887 |
Information accurate as of April 2022
*Premium data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the New England region. Based on a 1,000-point scale. USAA is not officially rated due to eligibility restrictions.
Best for Low Prices
WHY WE CHOSE IT
Why we chose it
Pros
- Low annual premiums
- Superior AM Best financial strength
- Long list of discounts
Cons
- Few local agents available
- Fewer endorsements than most competitors
- Higher-than-average overall NAIC complaint index
OTHER POLICIES OFFERED
- Home
- Renters
- Motorcycle/ATV
- Boat
STANDOUT DISCOUNTS AVAILABLE
- Emergency deployment
- Federal employee
- Membership and employee
- Good driver
Best for Customizable Coverage
WHY WE CHOSE IT
Why we chose it
Pros
- Numerous endorsements available
- Several discounts offered
- Local agencies
Cons
- Below-average J.D. Power customer satisfaction score
- AM Best financial strength rating is not as high as some competitors
- Higher-than-average premiums
OTHER POLICIES OFFERED
- Home
- Condo
- Business
- Life
STANDOUT DISCOUNTS AVAILABLE
- New car
- EZ pay plan
- Early signing
- Responsible payer
Best for Discounts
WHY WE CHOSE IT
Why we chose it
Pros
- Lots of discount options
- Robust digital tools
- Higher-than-average J.D. Power customer satisfaction score
Cons
- AM Best financial strength rating is not as high as some competitors
- Below-average J.D. Power claims satisfaction score
- High average premiums
OTHER POLICIES OFFERED
- Classic car
- Home
- Flood
- Umbrella
STANDOUT DISCOUNTS AVAILABLE
- Snapshot
- Continuous insurance
- Teen driver
- Homeowner
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- Low average premiums
- Superior AM Best financial strength
- High J.D. Power customer satisfaction score
Cons
- Only available to active and retired military members
- Very few branch locations
- Fewer advertised discounts than some competitors
OTHER POLICIES OFFERED
- Motorhome
- Mobile home
- Landlord
- Aviation
STANDOUT DISCOUNTS AVAILABLE
- SafePilot
- Military installation
- Loyalty
- Good student
*Premium data provided by Bankrate.com.
**J.D. Power’s 2021 Auto Insurance Satisfaction Study rating for the New England region. Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions.
The Average Cost of Car Insurance in Connecticut
The cost of car insurance in Connecticut is higher than the national average, potentially because of the congested roads and a high number of luxury vehicles. According to 2021 data from Bankrate.com, the average cost of full coverage is $1,845 per year, and the average cost of minimum coverage is $794. To compare, the national average is $1,674 per year for full coverage and $565 per year for minimum coverage.
The price of car insurance can vary widely depending on a few factors. First, prices can be very different between insurance companies. Additionally, factors such as your driving history, the type of vehicle you drive, and the coverage types and levels you choose will also affect your rates. One of the best ways to find the right coverage at the right price is to shop around and compare quotes.
Top 3 Cheapest Car Insurance Companies in Connecticut
| Company | Average Annual Full Coverage Premium* |
| Geico | $1,071 |
| Amica | $1,216 |
| USAA | $1,264 |
* Data provided by Bankrate.com
Top 3 Most Expensive Car Insurance Companies in Connecticut
| Company | Average Annual Full Coverage Premium* |
| American Independent | $5,042 |
| The Hanover | $3,867 |
| Progressive | $2,573 |
* Data provided by Bankrate.com
Top 3 Cheapest Cities for Car Insurance in Connecticut
| City | Average Annual Full Coverage Premium* |
| Ivoryton | $1,633 |
| Old Saybrook | $1,637 |
| Long Hill | $1,640 |
* Data provided by Bankrate.com
Top 3 Most Expensive Cities for Car Insurance in Connecticut
| City | Average Annual Full Coverage Premium* |
| Hartford | $2,395 |
| Bridgeport | $2,364 |
| New Haven | $2,324 |
* Data provided by Bankrate.com
Key Things to Know About Car Insurance in Connecticut
As you’re shopping for Connecticut car insurance, it may be helpful to have some background knowledge. The state is small but relatively densely populated, with around 2.6 million licensed drivers in 2019, the most recent year with available data. Knowing some key car insurance facts may help you to make more informed decisions about your coverage.
Connecticut Car Insurance Requirements
Like most states, Connecticut requires drivers to buy insurance policies with at least certain minimum limits. The state requires more coverage types than many other states, contributing to the higher-than-average cost of minimum coverage insurance.
In Connecticut, the minimum car insurance limits are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $25,000 underinsured motorist bodily injury per person
- $50,000 underinsured motorist bodily injury per accident
While minimum coverage is all you need to drive legally, most insurance agents advise that you buy higher limits for more protection. Additionally, drivers with loans or leases on their vehicles will likely need full coverage, which adds comprehensive and collision, and, in some cases, requires higher liability limits.
Car Insurance Coverage Options
Car insurance isn’t one-size-fits-all, and knowing how to personalize your policy to your needs can help you build a policy that works for you. You might want to add these optional coverages for broader financial protection:
- Roadside assistance: This endorsement is designed to pay for things like towing costs and service calls if you’re stranded on the side of the road.
- Gap insurance: Gap insurance covers the difference between the actual cash value of your vehicle and the financed amount if it’s stolen or totaled, so you don’t have to pay the difference out of pocket.
- Medical payments coverage: This optional coverage will help pay your medical bills and those of your guests in your vehicle, up to your per-person limit, for injuries from an auto accident, regardless of fault.
- Accident forgiveness: Some carriers offer this feature, which will prevent (or lessen the impact of) your rates increasing after your first at-fault accident.
Keep in mind that every company has its own suite of endorsements, and not every company will offer every option. Talking to an agent or reviewing a company’s website is often the best way to know what options that company offers.
Frequently Asked Questions
Methodology
Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s 2021 data of car insurance in Connecticut, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
About the Authors
Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.
