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.
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:
Additional coverages you might want to consider when shopping for car insurance in Connecticut
Coverage to consider
Vehicle theft rates have increased in Connecticut. Comprehensive insurance protects you if your vehicle is stolen or damaged by vandals.
If 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:
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:
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:
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.
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:
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:
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.
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.