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Best car insurance companies in Connecticut

Fact-checked with HomeInsurance.com

    Article Highlights

    According to the Insurance Information Institute, Connecticut is currently the 9th most expensive state in which to purchase car insurance. It comes in just cheaper than nearby states Delaware and Rhode Island.  

    For drivers looking for the best car insurance in Connecticut, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Connecticut and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Connecticut.

    The average Connecticut driver pays $1,803 per year for insurance, which breaks down to about $150 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Connecticut and may not reflect your actual premium quote.

    Connecticut quick facts

    • Cheapest carrier for full coverage in Connecticut is GEICO: $1,129
    • Cheapest carrier for minimum coverage in Connecticut is GEICO: $440
    • Carrier with highest customer satisfaction in Connecticut: USAA
    • Number of uninsured drivers in Connecticut: 9.4%
    • Connecticut is on the higher end for car insurance rates

    Average cost of car insurance in Connecticut

    What you pay for car insurance is influenced by quite a few factors, some of which include your marital status, credit score, type of car you drive and your specific ZIP code. However, your driving history is typically the biggest factor that impacts what you pay each month for car insurance. See the table below to understand just how much a single speeding ticket or car accident can raise your premium.

    Clean record1 speeding ticket1 accident
    Full coverage$1,782$2,216$2,386
    Minimum coverage$790$992$1,255

    Quadrant data services, 2020

    Best car insurance companies in Connecticut

    Our best car insurance companies in CT are: 

    • Allstate: Best for mobile app
    • Amica: Best for discounts
    • GEICO: Best for low rates
    • State Farm: Best for financial strength
    • USAA: Best for customer service

    Average annual premiums by insurance carrier:

    CompanyJ.D. Power Score/5AM BestDiscounts offeredAverage rate
    Allstate3/5A+ (Superior)New car, multi-policy, anti-theft, smart student, auto-pay, full-pay, accident free$1,981
    Amica5/5A+ (Superior)Multi-policy, loyalty, claim-free, home ownership, legacy, paid-in-full, auto-pay, paperless, anti-theft, good student, distant student, defensive driving$1,294
    GEICO3/5A++ (Superior)Defensive driving course, good driver, good student, federal employee, military, new car, multi-policy, anti-theft$1,129
    State Farm3/5A++ (Superior)Defensive driving, accident-free, good student, accident free, distant student, anti-theft, multi-policy$1,666
    USAA5/5A++ (Superior)Military installation, annual mileage, loyal customer, driving research, defensive driving$1,402

    Quadrant data services, 2020

    Allstate: Best for mobile app

    With Allstate’s mobile app, you can do anything you need to manage your policy: file a claim, make a payment or even request roadside assistance. For drivers with a preference towards mobile interfacing, Allstate is a great option to consider.

    Allstate offers a fairly comprehensive digital profile beyond just the app; you can learn about all things insurance related through Allstate’s website. Allstate also offers a fair amount of discounts and receives above average marks when it comes to customer service.

    Amica: Best for discounts

    Amica offers a long list of discounts, many of which most drivers qualify for without needing to do anything extra. 

    Amica is a company of many strengths. Along with a variety of discounts, premiums in Connecticut are fairly competitively priced and it routinely receives top marks from J.D. Power for claims satisfaction. Though USAA technically beats Amica when it comes to customer service, USAA is limited in who can qualify because of its military eligibility requirements. Unlike USAA, anyone can join Amica and benefit from the discounts, low rates and top tier customer service. 

    GEICO: Best for low rates

    GEICO offers some of the lowest average premiums in the insurance industry within the U.S., including Connecticut. This is before discounts have even been applied, which GEICO offers in abundance. 

    Though GEICO may not have received top marks for customer claim satisfaction from J.D. Power, the provider was only 21 points behind USAA (meaning 879 compared to USAA’s 900) in the 2019 study. GEICO is also financially strong, as indicated by AM Best’s financial strength rating of “A++,” which means it shouldn’t have any issues paying claims (even in a mass disaster scenario). All in, GEICO is a well rounded insurance company that offers some of the lowest rates for Connecticut drivers.

    State Farm: Best for financial strength

    AM Best considers State Farm’s financial strength to be worthy of the highest rating — A++ (Superior). In addition, it offers a host of discounts, fairly cheap rates and a variety of digital resources for policyholders. State Farm’s online presence and mobile app are both user friendly and extremely handy to have in the event you need to file a claim or contact your agent. For claim satisfaction, it scored just one point below GEICO, putting it in 5th place overall in the 2019 J.D. Power study. 

    USAA: Best for customer service

    Every year, USAA is given top marks from J.D. Power for its customer service and claims satisfaction. Policyholders who are eligible and can obtain insurance from USAA speak highly of interactions with agents in handling claims or just general policy management. 

    USAA is one of the best providers in the business by available metrics. However, USAA only serves current or retired military, as well as members of their immediate or extended family. While discounts are not as numerous as other providers, rates are typically fairly competitive and the company’s financial strength profile is impressive. 

    Car insurance rates in Connecticut by city

    In other states, the specific city you live in can have a huge impact on the average cost of full coverage premiums. This holds true in Connecticut, with major cities running a few hundred or more above the state average — unless you live in Stamford, which currently has the cheapest average rates among the top five cities. 

    The table below indicates the average cost drivers pay in each city. 

    CityFull coverage annual rateMinimum coverage annual rate
    Bridgeport$2,250$993
    New Haven$2,308$1,047
    Stamford$1,837$788
    Hartford$2,270$1,021
    Waterbury$2,113$928

    Quadrant data services, 2020

    Bridgeport

    Full coverage in Bridgeport averages about $447 more a year than the state average. The current average premium in Bridgeport is $2,250 a year for full coverage car insurance. One reason the amount is likely higher than both the state and national average is due to Bridgeport’s population density. Currently, Bridgeport is pushing a population close to 145,000, which is proportionally high given the size of the city. 

    New Haven

    New Haven residents pay, on average, about $505 more a year than other Connecticut drivers for full coverage. At $2,308 a year, this is also quite a bit more than the current national average of $1,555, and the state average of $1,803. Several factors commonly contribute to the higher cost of car insurance, such as crime, population density and percentage of uninsured drivers.

    Stamford

    At $1,837 a year, Stamford is pretty close to the state average of $1,803.Though this amount is still higher than the national average of $1,555, it is the cheapest among Connecticut’s top cities. With a population density pushing 130,000, it’s surprising local residents don’t pay more. 

    Hartford

    Residents of Hartford pay about $467 more than the rest of the state. With an average yearly premium of $2,270 for full coverage, Hartford drivers also pay over $700 more than the national average. When you consider the fact that Hartford is only a relatively-dense city (122,000), and the fact that the median income is $34,338, it’s surprising that Hartford residents aren’t paying less. Steep rates can often be the result of other factors too, such as uninsured motorists and crime, so it’s possible these contribute to the higher rates in Hartford, Connecticut.

    Waterbury

    Waterbury drivers pay $310 more a year than the state average for full coverage insurance. Although Waterbury isn’t the most expensive city on this list, it is still $558 more than the US average. 

    Connecticut car insurance considerations

    Connecticut doesn’t have too many natural disasters that affect the state, nor does it have very high minimum liability requirements compared to other states. When it comes to uninsured drivers on the road, the Insurance Information Institute indicates in recent data that only 9.4% of Connecticut drivers are driving without insurance, which is far better than states like Florida (26.7%).

    Connecticut’s high premiums can generally be linked to its above average urban areas. Cities with higher congestion are typically prone to more accidents each year. In addition, if an insurance company sees that a majority of a state’s population makes more than the rest of the country (and drives expensive new cars), rates will be adjusted accordingly.   

    When it comes to Connecticut’s minimum liability requirements, they are lighter than other states.

    Connecticut minimum liability requirements

    Connecticut requires a minimum of 25/50/25 coverage, although the state recommends getting higher coverage to be better protected in the event of a claim. Those numbers refer to $25,000 per person, $50,000 per accident and $25,000 per accident for property damage liability. Here’s a quick overview of Connecticut’s minimum auto insurance requirements: 

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

    How we chose the best car insurance providers in Connecticut

    Coverage chose the best Connecticut car insurance companies based on the average cost of premiums, the amount of discounts offered and reviews from third party companies such as AM Best and J.D. Power. After comparing what each company offered, we selected our top five recommendations for Connecticut drivers to consider. AM Best and J.D. Power both provide significant insight into the inner workings of a company, but ultimately, comparing quotes from providers and determining which meets your insurance needs is the best way to find a provider for you. 

    Other car insurance providers in Connecticut to consider

    A few other great insurance providers are worth considering for drivers in Connecticut. In addition to the top picks, you may still want to consider getting a quote from the following three:

    CompanyJ.D. Power Score/5AM BestDiscounts offeredAverage rate
    Progressive3/5A+Multi-policy, multi-car, safe driver, teen driver, good student, homeowner, distant student, paperless, paid-in-full, auto-pay$2,148
    MetLife3/5A+Multi-policy, safe driver, defensive driving, low-mileage, anti-theft, good student, anti-lock brake$2,222
    The Hanover3/5APaid-in-full, multi-car, Good student, anti-theft, defensive driving, student away at school$4,163

    Quadrant data services, 2020

    The Hanover

    The Hanover is the most expensive company on this list, but it’s still able to compete with other providers in certain aspects. In J.D. Power’s 2020 New England study, for example, The Hanover came in sixth overall for customer satisfaction. AM Best also awarded it an A (Excellent) for financial strength, which is the minimum an insurance provider should be to ensure payouts in the event of widespread claims.

    MetLife

    MetLife is considered to provide a positive customer service experience, according to the 2019 J.D. Power claim satisfaction study, and earned an “Excellent” (A+) rating with AM Best. MetLife also offers fairly standard discounts that are easy to qualify for. 

    Progressive

    In contrast to MetLife, Progressive offers an extensive list of auto discounts and is a financially competent company by AM Best standards. The cost of its average premium isn’t as low as GEICO or Amica, but it’s still competitive with other insurance providers. It also scores consistently well with J.D. Power (in the 2020 study, it came in fifth overall for the New England area)

    Methodology

    Coverage utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states and the District of Columbia, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30-year-old male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

    Lauren Ward

    Lauren Ward is a writer for Coverage.com. She specializes in all things personal finance, including insurance, loans, and real estate.

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