Car Insurance in Connecticut
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- How much does car insurance cost in Connecticut?
- Top auto insurance providers in Connecticut
- What car insurance do you need in Connecticut?
- How is your cost of car insurance determined in Connecticut?
- How to save money on car insurance in Connecticut
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With densely-populated cities and congested roadways, Connecticut has higher-than-average car insurance rates. Drivers in Connecticut still can find ways to save money on car insurance by comparing quotes with Jerry.
Connecticut cities—like New Haven and Hartford—have many people packed into a small area, which means there are more cars on the road with a greater chance of accidents. Additionally, Connecticut can see some harsh New England winters which pose risk for accidents or vehicle damage.
While these factors contribute to the state’s average insurance costs, providers consider many aspects—including your age and driving record—to set your premiums. Therefore, it’s smart to compare policies from many companies before purchasing insurance.
That’s when Jerry comes in handy. Jerry is a car super app that will help you find the most affordable rates for car insurance. It takes less than a minute to sign up, and Jerry will provide you with quotes from over 50 top insurance providers. The average Jerry customer saves $879 per year on car insurance.
Want more proof? Here are some real quotes and savings from customers in Connecticut who switched with Jerry:
| Quote Date | Car | City | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| May 3, 2022 | Nissan Sentra 2.0 | Granby | Nancy C. | 31 | Safeco | $220/mo. | $97/mo. |
| April 26, 2022 | Hyundai Entourage GLS | East-Haven | Ronald L. | 49 | Plymouth Rock | $317/mo. | $137/mo. |
| May 4, 2022 | Volkswagen Gti | Meriden | Randall K. | 30 | State Auto | $222/mo. | $155/mo. |
| May 14, 2022 | Chrysler 300 | Bridgeport | Stanley T. | 24 | Progressive | $253/mo. | $169/mo. |
| May 6, 2022 | Subaru Legacy 2.5I Premium | Waterbury | Henrietta B. | 33 | State Auto | $235/mo. | $204/mo. |
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How much does car insurance cost in Connecticut?
The average cost of liability-only car insurance in Connecticut is $2,198 per year. If you prefer to buy full coverage car insurance in Connecticut, you can expect to pay an average cost of $2,593 per year.
How does the cost of car insurance in Connecticut compare to the rest of the country?
Compared to nationwide averages, it costs $1,626 per year for liability-only car insurance and $2,298 per year for full-coverage car insurance.
Why are Connecticut car insurance rates so high? Here are some of the factors:
- Congested cities: Connecticut cities are densely-populated, leading to more accidents
- Vehicle thefts: Connecticut has seen a recent increase in car thefts
- Inclement weather: Connecticut experiences harsh winter weather that can be dangerous for drivers
Here’s how Connecticut insurance premiums measure up against nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| CT | $2,738 | $1,916 | $2,466 | $1,410 | $2,945 | $2,192 |
| National Average | $2,436 | $1,660 | $2,296 | $1,376 | $2,654 | $1,962 |
| CT | National Average | |
All Coverage Before Jerry | $2,738 | $2,436 |
All Coverage After Jerry | $1,916 | $1,660 |
Minimum Coverage Before Jerry | $2,466 | $2,296 |
Minimum Coverage After Jerry | $1,410 | $1,376 |
Full Coverage Before Jerry | $2,945 | $2,654 |
Full Coverage After Jerry | $2,192 | $1,962 |
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Top auto insurance providers in Connecticut
Connecticut drivers have many insurance providers to choose from when looking for the best policy. Common providers include Travelers, and Progressive because of their affordable rates and good service.
However, another provider might better meet your needs.
Each insurance carrier sets its insurance premiums by a unique formula. You’ll likely get completely different quotes for the same coverage from each carrier.
Providers in Connecticut will consider your age, driving history, marital status, and location when setting your rates.
Your vehicle also will impact your insurance premiums. For example, a basic sedan like a Toyota Corolla will be cheaper to insure than a more expensive, luxury vehicle like the BMW M340 because the luxury vehicle has a higher cost of repairs.
Regardless of your demographics, Jerry can help drivers in Connecticut find some great deals. Here are some of the best savings:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| National General | $4,138 | $1,245 | Compare Prices |
| Kemper | $2,600 | $1,138 | Compare Prices |
| Allstate | $3,084 | $969 | Compare Prices |
| Safeco | $2,887 | $896 | Compare Prices |
| Nationwide | $3,023 | $835 | Compare Prices |
| State Auto | $2,980 | $821 | Compare Prices |
| Travelers | $2,757 | $739 | Compare Prices |
| Clearcover | $2,130 | $684 | Compare Prices |
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What car insurance do you need in Connecticut?
Drivers in Connecticut are required to carry minimum liability insurance before hitting the road. This coverage includes the following:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $25,000 per accident | Covers the costs associated with the damage you cause to other people’s vehicles or property |
You could face penalties if you are caught driving without insurance, including:
- A fine of up to $1,000 for a first offense
- Vehicle registration and license suspension up to six months
Keep in mind, liability insurance covers other drivers if you’re at fault in an accident—it doesn’t protect you or your car. As such, it’s suggested that you purchase more than the required minimums. Connecticut drivers should consider the following:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Roadside assistance | Covers the costs associated with a breakdown |
Once you decide on the coverage you want, Jerry will source the best rates—so you know you’re never overpaying for the protection you need.
Jerry will provide you with quotes from the top name-brand insurance companies and help you sign up for your new policy, so you don’t have to do any of the hard work. Every time your policy is up for renewal, Jerry will provide you with new quotes to keep your prices as low as possible.
Now we’ve gone over insurance basics, here are some things to consider about insurance in Connecticut.
How is your cost of car insurance determined in Connecticut?
Insurer carriers will consider factors like your age and driving history when determining your insurance premiums.
What young drivers in Connecticut need to know
- Drivers under the age of 25 are considered to be a high-risk, so providers will charge higher premiums to account for the risk
- Taking a defensive driving course could help young drivers save money
- Young drivers who keep good grades may qualify for a good student discount
While young drivers see higher rates than average, they can pay less on car insurance premiums by applying for discounts, shopping around, and maintaining a clean driving record.
Young drivers who shop with Jerry find the most affordable prices for car insurance. Here are the average premiums for drivers by age:
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Cost to insure your car in Connecticut based on where you live
Connecticut’s average car insurance premiums are slightly higher than the national average, but your rates will depend on your specific zip code.
Residents of cities like Springfield or Hartford will see higher rates than those who live in smaller towns like East Haven or Danbury. Bigger cities tend to have more cars on the road, higher rates of auto theft, and more accidents than their less-populous counterparts.
These are the most affordable rates we’ve found for Jerry customers who live in Connecticut:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Bridgeport | $2,854 | $857 |
| Bristol | $2,615 | $852 |
| Hartford | $2,811 | $800 |
| Meriden | $2,715 | $971 |
| New Britain | $2,548 | $891 |
| New Haven | $2,714 | $853 |
| New-Britain | $2,521 | $839 |
| Norwalk | $2,876 | $995 |
| Stamford | $2,728 | $900 |
| Waterbury | $2,738 | $856 |
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Cost to insure your car in Connecticut based on the type of car you drive
Your vehicle will also make an impact on your insurance rates. In general, more expensive, bigger, or luxury vehicles are pricier to insure than less expensive makes and models.
For example, a classic sedan like a Mazda CX-30 is going to cost less to insure because of the lower cost of replacement parts and repairs—not to mention its general affordability.
On the other hand, you can expect higher premiums for a luxury vehicle like a Volvo XC90. Parts for luxury cars are more expensive and often repairs can only be done at specialty shops. Furthermore, because the base cost of the car is higher, it will be more expensive to replace.
Here’s what it costs to insure some popular makes and models in Connecticut with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Lexus IS 250 | $2,753 | $2,235 |
| Nissan Altima 2.5 | $2,790 | $1,849 |
| Hyundai Elantra SE | $2,950 | $1,685 |
| Honda Civic LX | $2,542 | $1,533 |
| Jeep Grand Cherokee Laredo | $2,519 | $1,384 |
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How to save money on car insurance in Connecticut
Despite facing rates higher than the national average, drivers in Connecticut can find ways to save.
Shop around for quotes
One of the easiest ways to save money on car insurance is shopping around for car insurance quotes.
Unfortunately, it takes a lot of time and energy to find the lowest prices on car insurance, and you can spend hours that you don’t have filling out paperwork or on hold with car insurance companies. That’s when Jerry can help!
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Sign-up takes about 45 seconds, and Jerry does all the hard work for you—from collecting quotes from over 50 top insurance providers to completing the paperwork to get you signed up for the perfect coverage. Jerry will even help you cancel your old policy.
The savings don’t stop there! When your policy is up for renewal, Jerry will send you new quotes—so you always know you’re getting the best rates.
Look for discounts
Discounts are another great and easy way to save money on car insurance. Most carriers provide discounts—even if they aren’t on their website. It’s a good idea to ask your insurance agent about what’s available for you.
Here are some popular discounts in Connecticut:
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