Key Takeaways
- Assurance America, National General and Progressive offer some of the cheapest car insurance in Connecticut.
- The average cost of minimum coverage in Connecticut is over $200 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Connecticut.
You can get cheap car insurance in Connecticut from companies like Assurance America, National General and Progressive. These providers offer some of the most affordable rates in the Constitution state, according to real quotes for Jerry customers.
Whether you’re traveling Connecticut’s scenic roads, Shoreline Drive, or crossing the state’s impressive bridges, you’ll need an auto insurance policy to legally drive. Here are the cheapest car insurance companies in Connecticut for both minimum and full coverage, plus by age, driving history and low credit score.
Cheap minimum coverage in Connecticut
Minimum coverage is the cheapest policy you can get, but it only pays for damage you cause in an accident; it doesn’t cover damage to your own car.
Below are the cheapest auto insurers in Connecticut for minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $71 | $852 |
| Assurance America | $210 | $2,522 |
| Progressive | $221 | $2,655 |
| AAA | $236 | $2,834 |
| First Acceptance | $299 | $3,586 |
| National General | $309 | $3,704 |
| Bristol West | $318 | $3,822 |
| Root | $345 | $4,144 |
Learn more: Cheap car insurance in Hartford, Connecticut
Minimum car insurance requirements in Connecticut
Connecticut law requires drivers to carry the following coverages, at minimum:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $25,000 in uninsured/underinsured motorist bodily injury, or UMBI, coverage per person.
- $50,000 in uninsured/underinsured motorist bodily injury coverage per accident.
Cheap full coverage car insurance in Connecticut
Here are the most affordable insurers in Connecticut for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $165 | $1,983 |
| Assurance America | $210 | $2,522 |
| First Acceptance | $213 | $2,553 |
| Gainsco | $255 | $3,054 |
| AAA | $258 | $3,092 |
| Progressive | $279 | $3,348 |
| Clearcover | $351 | $4,215 |
| Embark General | $422 | $5,064 |
| Root | $436 | $5,236 |
| National General | $526 | $6,306 |
Minimum vs. full coverage in Connecticut
Minimum coverage in Connecticut pays for others’ injuries or property damage in a crash you cause. If you’re in an accident with an uninsured or underinsured driver, you and your passenger’s injuries will be covered up to your UMBI limits. But damage to your own car isn’t covered by minimum coverage.
Full coverage includes Connecticut’s minimum requirements, plus collision and comprehensive coverage, which pays for damage to your car regardless of fault. Here’s what a full coverage policy typically includes:
- Liability insurance: Covers injuries or property damage you cause to someone else in an accident.
- Uninsured/underinsured motorist coverage: Pays for you and your passengers’ injuries if you’re hit by a driver with low liability limits, or no insurance whatsoever.
- Collision coverage: Pays for damage to your vehicle from an accident, regardless of who is found responsible. This coverage has a deductible.
- Comprehensive coverage: Covers vehicle damage from events like weather, animal collisions and theft. This coverage has a deductible.
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Connecticut
Young drivers typically pay higher rates because they have less driving experience.
Below are the average costs of car insurance in Connecticut for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $631 | $7,573 |
| 21-24 | $478 | $5,739 |
Cheap minimum coverage in Connecticut for a 20-year-old
These are the cheapest car insurance companies in Connecticut for 20-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $428 | $5,134 |
| Root | $460 | $5,516 |
| National General | $605 | $7,265 |
| Bristol West | $634 | $7,604 |
Cheap full coverage in Connecticut for a 20-year-old
Below are the cheapest auto insurers in Connecticut for 20-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Root | $488 | $5,858 |
| Progressive | $509 | $6,107 |
| Bristol West | $1,194 | $14,332 |
| National General | $2,581 | $30,972 |
Average auto insurance costs for mature drivers in Connecticut (25-54)
The average cost of car insurance typically drops as drivers get older and gain more experience on the road.
Below are the average costs of car insurance for drivers in Connecticut between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $382 | $4,588 |
| 35-44 | $345 | $4,139 |
| 45-54 | $350 | $4,205 |
Cheapest minimum coverage in Connecticut for a 35-year-old
Below are the cheapest auto insurers in Connecticut for 35-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $156 | $1,872 |
| Progressive | $182 | $2,184 |
| Embark General | $239 | $2,864 |
| Bristol West | $267 | $3,205 |
| National General | $270 | $3,246 |
Cheapest full coverage in Connecticut for a 35-year-old
These are the cheapest car insurance companies in Connecticut for 35-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $272 | $3,262 |
| Root | $323 | $3,877 |
| National General | $488 | $5,850 |
| Bristol West | $527 | $6,320 |
Average car insurance costs for older drivers in Connecticut (55+)
Car insurance costs can start to creep back up once a driver reaches age 65, though Connecticut drivers over the age of 60 may qualify for a discount for completing a DMV approved accident prevention course.
Below are the average costs of car insurance for drivers in Connecticut 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $318 | $3,814 |
| 65+ | $304 | $3,653 |
Cheapest minimum coverage in Connecticut for a 65-year-old
Here are the most affordable insurers in Connecticut for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $82 | $990 |
| National General | $161 | $1,935 |
| Bristol West | $179 | $2,153 |
Cheapest full coverage in Connecticut for a 65-year-old
Here are the most affordable insurers in Connecticut for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $97 | $1,166 |
| National General | $420 | $5,040 |
| Bristol West | $924 | $11,091 |
Cheapest car insurance in Connecticut by driving history
Your driving record is one of the biggest factors in how much you’ll pay for an auto policy. If you have a clean driving record, you’ll likely pay less than another driver with a violation like a speeding ticket or DUI.
Cheap car insurance for drivers with clean records in Connecticut
These are the cheapest car insurance companies in Connecticut for drivers with clean driving histories, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Anchor General | $103 | $1,236 |
| Assurance America | $156 | $1,872 |
| Gainsco | $192 | $2,305 |
| Progressive | $224 | $2,687 |
| AAA | $264 | $3,163 |
Cheapest car insurance with a speeding ticket in Connecticut
Here are the most affordable insurers in Connecticut for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $210 | $2,522 |
| Progressive | $259 | $3,113 |
| Root | $297 | $3,564 |
| First Acceptance | $299 | $3,586 |
| Aspen | $375 | $4,501 |
Cheapest car insurance after an at-fault accident with no injury in Connecticut
Here are the most affordable insurers in Connecticut for those with an at-fault accident with no injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $183 | $2,196 |
| Progressive | $278 | $3,341 |
| Root | $429 | $5,145 |
| Embark General | $440 | $5,284 |
| National General | $458 | $5,491 |
Cheapest auto insurance after an at-fault accident with injury in Connecticut
Here are the most affordable insurers in Connecticut for those with an at-fault accident with injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $326 | $3,907 |
| Root | $401 | $4,810 |
| National General | $401 | $4,810 |
| Bristol West | $620 | $7,445 |
Cheapest car insurance with a DUI in Connecticut
Below are the cheapest auto insurers in Connecticut for people with a DUI on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $251 | $3,018 |
| National General | $308 | $3,692 |
| Bristol West | $311 | $3,737 |
| Root | $352 | $4,222 |
Average auto insurance costs for Connecticut drivers with other violations
Below are average car insurance costs in Connecticut for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $241 | $2,897 |
| Cell Phone | $441 | $5,293 |
| Driving on Sus. License | $296 | $3,549 |
| Eluding Police | $433 | $5,196 |
| Failure to Obey Traffic Sign | $422 | $5,067 |
Cheapest auto insurance for low credit scores in Connecticut
Drivers in Connecticut with low credit scores typically pay more for car insurance than those with higher scores. These are the cheapest car insurance companies in Connecticut for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $182 | $2,180 |
| The General | $258 | $3,090 |
| Progressive | $267 | $3,209 |
| First Acceptance | $299 | $3,586 |
| Embark General | $330 | $3,955 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Connecticut
Compare quotes from multiple insurers to get the most affordable policy. Don’t assume your current provider is the cheapest.
Here are some other tips to save on car insurance in Connecticut:
- Ask about discounts.
- Bundle your home and auto insurance.
- Pay your premium in full.
- Install a telematics app on your phone.
- Improve your credit score.
More: Best car insurance companies
Factors that affect car insurance costs in Connecticut
Insurers base rates on various factors, which can include your:
- Age.
- ZIP code.
- Driving record.
- Vehicle type.
- Credit score.
- Claims history.
- Deductible amount.
- Marital status.
- Gender.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
