Cheapest Insurance in Connecticut 2021

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A more affluent population with more expensive cars keeps car insurance prices in Connecticut higher than the national average. But there are definitely affordable rates available, and the best way to find them is to compare rates from multiple insurance companies.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Connecticut. And if you want to learn more about car insurance rates in Connecticut, keep reading.
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Here’s how much real Jerry customers saved in Connecticut when they compared and switched.
Quote DateMake/modelCityAgeCarrierCoverage Type
Before Jerry
After Jerry
October 10, 2021Toyota PriusNew Britain32AAACurrent$267/mo.$88/mo.
September 21, 2021Toyota Corolla VEBristol26State AutoStandard$177/mo.$91/mo.
September 5, 2021Honda Hr-V SportMeriden34NationwideCurrent$137/mo.$111/mo.
October 13, 2021BMW 328 XI SulevDanbury26National GeneralPredicted$200/mo.$170/mo.
October 15, 2021Mercedes-Benz C 300 4MaticHartford20ProgressiveBasic$230/mo.$190/mo.
Using Jerry to view quotes from multiple providers is the best way to find cheap car insurance in Connecticut.

Cheapest minimum coverage car insurance in Connecticut

The minimum required insurance coverage varies depending on your state laws. In Connecticut, drivers must have the following:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 per person and $50,000 per accident uninsured/underinsured motorist protection
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Connecticut:
Before Jerry
After Jerry
$3,470$2,160
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Additional coverages you might want to consider when shopping for car insurance in Connecticut

Risk factorCoverage to consider
Vehicle theftVehicle theft rates have increased in Connecticut. Comprehensive insurance protects you if your vehicle is stolen or damaged by vandals.
Winter weatherIf you’re stuck in a winter storm, roadside assistance coverage can be extremely helpful. The coverage offers everything from tows and tire changes to battery boosts and locksmith services.
Minimum liability insurance, including uninsured motorist protection, is all that’s required to hit the road in Connecticut. Getting additional coverage is a good idea in most situations, though.

Best carriers for minimum coverage car insurance in Connecticut

Driving without insurance in Connecticut comes with some big penalties. If you’re caught, you’ll be subject to fines, suspension of your license and registration, and even potential imprisonment.
And it’s not just the owner of the vehicle who will be fined—the driver will be, too. The vehicle owner will receive a set fine of $500, while the driver will receive a fine ranging from $100 to $1,000.
Comparing rates with different insurance companies can help you find the most affordable rates so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Connecticut:
Insurance Company
Before Jerry
After Jerry
Allstate$3,316$1,721
Safeco$3,012$2,164
Progressive$3,687$2,426
Nationwide$2,832$2,820

Cheapest full coverage car insurance in Connecticut

Securing more than just the minimum required coverage is usually a good idea. It provides peace of mind and better protects you financially.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$4,141$2,983
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Best carriers for full coverage car insurance in Connecticut

Comparing premiums from multiple companies is the best way to ensure that you’re getting the best price for the coverage you need. This is especially true in states like Connecticut, where rates tend to be above average.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Connecticut:
Insurance Company
Before Jerry
After Jerry
Kemper$2,172$1,476
Nationwide$3,255$1,885
Travelers$2,960$2,111
State Auto$3,488$2,724
Safeco$4,008$2,827
Progressive$3,710$2,952
Allstate$4,020$3,020
National General$7,562$4,990
Full coverage insurance may cost more upfront, but it offers greater financial protection and can save you a lot in the long run.

Cost to insure your car in Connecticut by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Though accident rates involving young drivers have decreased significantly in Connecticut over the last decade, teens are still more likely to drive distracted, speed, and fail to use seatbelts.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$3,020$2,175
21-24$2,943$1,989
25-34$2,800$1,871
35-44$2,528$1,660
45-54$2,702$1,688
55-64$2,346$1,597
65+$2,356$1,770
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Cost of insurance for drivers in Connecticut with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Most traffic violations stay on your record for three years in Connecticut, though serious ones typically remain for up to 10 years. Since you’re deemed a high-risk driver with one of the violations on your record, your insurance company will bump up your premium—sometimes substantially—to account for this increased risk.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,433$2,357
Seat Belt$8,113$1,658
Improper Passing$4,560$1,887
Speeding over 15$2,986$1,904
Passing School Bus$3,360$1,979
Defective Equipment$4,608$2,313
DUI$3,507$2,356
Careless Driving$4,941$2,372
Speeding under 15$4,442$2,848
Failure to Obey Traffic Sign$4,449$3,132

Best carriers for drivers with infractions in Connecticut

Insurance Company
Before Jerry
After Jerry
Kemper$1,828$1,770
Travelers$3,093$2,257
Allstate$3,670$2,268
State Auto$3,133$2,363
Nationwide$3,677$2,523
Progressive$3,808$2,670
Safeco$4,410$3,113
National General$5,081$3,373
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Cost of insurance for young drivers in Connecticut with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
This is because insurance companies must take on added risk to insure you. The more likely they are to have to pay out for a claim, the more they charge for your insurance premium.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$4,015$2,854
DUI$3,950$2,552
Speeding under 15$5,241$2,821
Failure to Obey Traffic Sign$5,207$3,421
Careless Driving$9,036$4,444
Driving on Sus. License$9,036$4,444
Other$5,352$3,078
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Connecticut, check out these top carriers.

Best carriers for young drivers with infractions in Connecticut

Insurance Company
Before Jerry
After Jerry
Allstate$4,420$2,496
Progressive$4,485$3,017
National General$6,089$3,067
Travelers$4,361$3,485
State Auto$4,645$3,517
Safeco$4,702$3,795
Nationwide$6,332$5,269
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.

Types of discounts that might be available to you in Connecticut

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Connecticut.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Low mileage discountIf you don’t drive much and stay under 13,500 miles each year, most insurance companies offer a moderate discount on your premium—often 10–15%.
Bundling discountPurchasing more than one policy with the same insurer can save you money. Most people choose to bundle home and auto insurance, saving up to 12% on each policy.
Pay-in-full discountPaying your premium in full rather than monthly is favourable for insurers. Many offer discounts of up to 10% as an incentive.
Driver education discountDrivers who voluntarily complete a defensive driving course are seen as lower risk on the road and therefore eligible for discounted car insurance rates.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.
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How much does it cost to insure my car make in Connecticut?

Connecticut has a fairly affluent population, many with luxury cars that are more expensive to insure. Honda, though, is still one of the most popular brands in the state and hits our list of the most affordable cars to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Honda Civic LX$2,893$1,748
Hyundai Santa FE Limited$3,906$2,149
Jeep Grand Cherokee Laredo$3,528$1,793
Jeep Patriot Sport$2,760$1,800
Nissan Sentra S$2,968$1,738

Cheapest car insurance in Connecticut by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Connecticut’s higher insurance rates can be partially attributed to the affluent population and luxury cars. Since these cars are more expensive to repair, average insurance rates go up.
There’s also a good amount of vehicle theft happening in Connecticut, which places increased risk on insurance companies.
That said, rates vary within the state depending on a number of local factors. Here are the top 10 cheapest cities for car insurance in Connecticut:
City
Before Jerry
After Jerry
Hartford$4,226$3,228
Waterbury
$3,583$2,499
Bridgeport
$3,848$2,630
New Haven
$4,246$2,739
Stamford
$3,451$2,222
Meriden$3,037$2,124
New Britain$3,257$2,381
Danbury$2,854$1,946
Hamden
$3,638$2,542
West Haven
$3,530$2,630

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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