You need car insurance, but it doesn’t need to cost an arm and a leg. Let’s review the best car insurance deals in Connecticut for 2022.
Buying car insurance can be a headache, it’s a legal necessity, but not all auto insurance providers have the same rates and benefits. Finding and comparing the best rates every year can be tedious and time-consuming, so we did the heavy lifting for you.
Average Auto Insurance Rates in Connecticut
For minimum coverage, the average annual cost of car insurance in Connecticut is $794. For full coverage, you will find an average annual car insurance rate of $1,845.
Whether you live in Danbury, Portbury, Portland, Enfield, Avon, or elsewhere in Connecticut, you can find good rates with Amica Insurance, State Farm Insurance, Nationwide Insurance, and other auto insurance providers.
Minimum Liability Limits for Auto Insurance
Minimum limits for liability are $100,000 for bodily injury per person, a $300,000 upper limit for all bodily injuries per accident, and $50,000 maximum for property damage.
Special Rates for Military Families
If you or an immediate family member is an active or former member of the United States military, you can access exclusive insurance coverage through the United Services Automobile Association, or USAA.
If this applies to you, you may not need to review the insurance rates covered below. However, if you are still looking for low rates, continue below for more information.
Minimum Coverage
If you are just looking to pay the legally required minimum for car insurance, you will pay a different rate that depends on your age and driving history. Relative to other age groups, drivers in their 20s are less experienced and therefore a higher risk for insurance. This makes it difficult to find inexpensive minimum coverage insurance, but it’s not impossible.
Car owners in their 20s
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- Amica:
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At an annual rate, you can expect to pay $994 per year.
At a monthly rate, this comes out to $83 per month.
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- Geico:
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At an annual rate, you can expect to pay $996 per year.
At a monthly rate, this comes out to $83 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,264 per year.
At a monthly rate, this comes out to $105 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,310 per year.
At a monthly rate, this comes out to $109 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $1,673 per year.
At a monthly rate, this comes out to $139 per month.
Car owners in their 30s
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- Geico:
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At an annual rate, you can expect to pay $429 per year.
At a monthly rate, this comes out to $36 per month.
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- Amica:
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At an annual rate, you can expect to pay $496 per year.
At a monthly rate, this comes out to $41 per month.
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- State Farm:
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At an annual rate, you can expect to pay $648 per year.
At a monthly rate, this comes out to $54 per month.
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- Allstate:
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At an annual rate, you can expect to pay $704 per year.
At a monthly rate, this comes out to $59 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $823 per year.
At a monthly rate, this comes out to $69 per month.
Car owners in their 40s
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- Geico:
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At an annual rate, you can expect to pay $421 per year.
At a monthly rate, this comes out to $35 per month.
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- Amica:
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At an annual rate, you can expect to pay $485 per year.
At a monthly rate, this comes out to $40 per month.
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- State Farm:
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At an annual rate, you can expect to pay $652 per year.
At a monthly rate, this comes out to $54 per month.
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- Allstate:
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At an annual rate, you can expect to pay $685 per year.
At a monthly rate, this comes out to $57 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $816 per year.
At a monthly rate, this comes out to $68 per month.
Car owners in their 50s
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- Geico:
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At an annual rate, you can expect to pay $432 per year.
At a monthly rate, this comes out to $36 per month.
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- Amica:
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At an annual rate, you can expect to pay $458 per year.
At a monthly rate, this comes out to $38 per month.
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- State Farm:
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At an annual rate, you can expect to pay $648 per year.
At a monthly rate, this comes out to $54 per month.
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- Allstate:
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At an annual rate, you can expect to pay $673 per year.
At a monthly rate, this comes out to $56 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $773 per year.
At a monthly rate, this comes out to $64 per month.
Car owners in their 60s
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- Geico:
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At an annual rate, you can expect to pay $434 per year.
At a monthly rate, this comes out to $46 per month.
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- Amica:
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At an annual rate, you can expect to pay $458 per year.
At a monthly rate, this comes out to $38 per month.
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- State Farm:
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At an annual rate, you can expect to pay $621 per year.
At a monthly rate, this comes out to $52 per month.
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- Allstate:
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At an annual rate, you can expect to pay $661 per year.
At a monthly rate, this comes out to $55 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $719 per year.
At a monthly rate, this comes out to $60 per month.
Full Coverage
If you are looking to insure your car completely, receiving complete coverage for any sort of mechanical or health liabilities, then a full coverage plan is for you. These plans are substantially more expensive than minimum coverage, but they won’t come up short when you need emergency funds for an accident.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $2,465 per year.
At a monthly rate, this comes out to $205 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $2,560 per year.
At a monthly rate, this comes out to $213 per month.
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- Amica:
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At an annual rate, you can expect to pay $2,629 per year.
At a monthly rate, this comes out to $219 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,972 per year.
At a monthly rate, this comes out to $248 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,989 per year.
At a monthly rate, this comes out to $249 per month.
Car owners in their 30s
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- Geico:
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At an annual rate, you can expect to pay $1,098 per year.
At a monthly rate, this comes out to $92 per month.
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- Amica:
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At an annual rate, you can expect to pay $1,259 per year.
At a monthly rate, this comes out to $105 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $1,364 per year.
At a monthly rate, this comes out to $114 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,492 per year.
At a monthly rate, this comes out to $124 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $1,566 per year.
At a monthly rate, this comes out to $130 per month.
Car owners in their 40s
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- Geico:
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At an annual rate, you can expect to pay $1,060 per year.
At a monthly rate, this comes out to $88 per month.
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- Amica:
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At an annual rate, you can expect to pay $1,228 per year.
At a monthly rate, this comes out to $102 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $1,275 per year.
At a monthly rate, this comes out to $106 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,472 per year.
At a monthly rate, this comes out to $123 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $1,557 per year.
At a monthly rate, this comes out to $130 per month.
Car owners in their 50s
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- Geico:
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At an annual rate, you can expect to pay $1,067 per year.
At a monthly rate, this comes out to $89 per month.
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- Amica:
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At an annual rate, you can expect to pay $1,155 per year.
At a monthly rate, this comes out to $96 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $1,187 per year.
At a monthly rate, this comes out to $99 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,451 per year.
At a monthly rate, this comes out to $121 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $1,456 per year.
At a monthly rate, this comes out to $121 per month.
Car owners in their 60s
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- Geico:
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At an annual rate, you can expect to pay $1,070 per year.
At a monthly rate, this comes out to $89 per month.
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- Amica:
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At an annual rate, you can expect to pay $1,155 per year.
At a monthly rate, this comes out to $96 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $1,280 per year.
At a monthly rate, this comes out to $107 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $1,353 per year.
At a monthly rate, this comes out to $113 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,386 per year.
At a monthly rate, this comes out to $116 per month.
Recent Accident
If you have been in an accident recently, where you are considered at-fault for damages and liability, then your auto insurance rate will go up. Having at least one at-fault accident will raise your rates, but it may lower over time. If this applies to you, here are the best rates you’ll find in Connecticut.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $1,128 per year.
At a monthly rate, this comes out to $94 per month.
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- Amica:
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At an annual rate, you can expect to pay $1,238 per year.
At a monthly rate, this comes out to $103 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,568 per year.
At a monthly rate, this comes out to $131 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $1,755 per year.
At a monthly rate, this comes out to $146 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $2,181 per year.
At a monthly rate, this comes out to $182 per month.
Car owners in their 30s
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- Geico:
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At an annual rate, you can expect to pay $1,410 per year.
At a monthly rate, this comes out to $118 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $1,426 per year.
At a monthly rate, this comes out to $119 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,765 per year.
At a monthly rate, this comes out to $147 per month.
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- Amica:
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At an annual rate, you can expect to pay $1,934 per year.
At a monthly rate, this comes out to $161 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $2,564 per year.
At a monthly rate, this comes out to $214 per month.
Car owners in their 40s
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- Electric Insurance:
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At an annual rate, you can expect to pay $1,332 per year.
At a monthly rate, this comes out to $111 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,392 per year.
At a monthly rate, this comes out to $116 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,741 per year.
At a monthly rate, this comes out to $145 per month.
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- Amica:
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At an annual rate, you can expect to pay $1,903 per year.
At a monthly rate, this comes out to $159 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $2,567 per year.
At a monthly rate, this comes out to $214 per month.
Car owners in their 50s
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- Electric Insurance:
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At an annual rate, you can expect to pay $1,239 per year.
At a monthly rate, this comes out to $103 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,464 per year.
At a monthly rate, this comes out to $122 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,716 per year.
At a monthly rate, this comes out to $143 per month.
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- Amica:
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At an annual rate, you can expect to pay $1,830 per year.
At a monthly rate, this comes out to $152 per month.
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- Encompass:
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At an annual rate, you can expect to pay $2,403 per year.
At a monthly rate, this comes out to $200 per month.
Car owners in their 60s
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- Electric Insurance:
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At an annual rate, you can expect to pay $1,336 per year.
At a monthly rate, this comes out to $111 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,468 per year.
At a monthly rate, this comes out to $122 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,638 per year.
At a monthly rate, this comes out to $136 per month.
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- Amica:
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At an annual rate, you can expect to pay $1,830 per year.
At a monthly rate, this comes out to $152 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $2,290 per year.
At a monthly rate, this comes out to $191 per month.
Low Credit Score
If you have a low credit score, it may be difficult to find auto insurance at low rates. A bad credit score means increased financial risk for insurance providers, leading to higher insurance premiums for consumers. If your credit is low or unestablished, consider these insurance providers for the best possible rates.
Car owners in their 20s
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- Geico:
At an annual rate, you can expect to pay $1,335 per year.
At a monthly rate, this comes out to $111 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,972 per year.
At a monthly rate, this comes out to $164 per month.
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- Amica:
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At an annual rate, you can expect to pay $1,979 per year.
At a monthly rate, this comes out to $165 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,693 per year.
At a monthly rate, this comes out to $224 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $2,724 per year.
At a monthly rate, this comes out to $227 per month.
Car owners in their 30s
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- Geico:
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At an annual rate, you can expect to pay $1,394 per year.
At a monthly rate, this comes out to $116 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $2,288 per year.
At a monthly rate, this comes out to $191 per month.
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- Amica:
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At an annual rate, you can expect to pay $2,478 per year.
At a monthly rate, this comes out to $206 per month.
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- Encompass:
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At an annual rate, you can expect to pay $2,635 per year.
At a monthly rate, this comes out to $220 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,901 per year.
At a monthly rate, this comes out to $242 per month.
Car owners in their 40s
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- Geico:
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At an annual rate, you can expect to pay $1,352 per year.
At a monthly rate, this comes out to $113 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $2,273 per year.
At a monthly rate, this comes out to $189 per month.
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- Amica:
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At an annual rate, you can expect to pay $2,413 per year.
At a monthly rate, this comes out to $201 per month.
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- Encompass:
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At an annual rate, you can expect to pay $2,635 per year.
At a monthly rate, this comes out to $220 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,857 per year.
At a monthly rate, this comes out to $238 per month.
Car owners in their 50s
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- Geico:
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At an annual rate, you can expect to pay $1,480 per year.
At a monthly rate, this comes out to $123 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $2,108 per year.
At a monthly rate, this comes out to $176 per month.
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- Amica:
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At an annual rate, you can expect to pay $2,261 per year.
At a monthly rate, this comes out to $188 per month.
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- Encompass:
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At an annual rate, you can expect to pay $2,414 per year.
At a monthly rate, this comes out to $201 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,770 per year.
At a monthly rate, this comes out to $231 per month.
Car owners in their 60s
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- Geico:
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At an annual rate, you can expect to pay $1,484 per year.
At a monthly rate, this comes out to $124 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $1,942 per year.
At a monthly rate, this comes out to $162 per month.
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- Amica:
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At an annual rate, you can expect to pay $2,261 per year.
At a monthly rate, this comes out to $188 per month.
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- Encompass:
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At an annual rate, you can expect to pay $2,364 per year.
At a monthly rate, this comes out to $197 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,671 per year.
At a monthly rate, this comes out to $223 per month.
After DUI
Receiving a DUI charge can severely impact the rate of your auto insurance, as it becomes a liability to insure drivers with a record of dangerous driving and/or breaking motor laws. If you have a DUI on your record, these insurance companies will provide the lowest rates for drivers in Connecticut.
Is a DUI a felony in Connecticut? No, a first-time DUI offense is not a felony, but a second DUI offense and following DUI offenses are a felony. Being charged with a DUI causes your auto insurance quotes to rise, but it is still possible to get insured.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $1,806 per year.
At a monthly rate, this comes out to $150 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,873 per year.
At a monthly rate, this comes out to $156 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,888 per year.
At a monthly rate, this comes out to $157 per month.
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- Amica:
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At an annual rate, you can expect to pay $2,181 per year.
At a monthly rate, this comes out to $182 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $2,489 per year.
At a monthly rate, this comes out to $207 per month.
Car owners in their 30s
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- State Farm:
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At an annual rate, you can expect to pay $2,074 per year.
At a monthly rate, this comes out to $173 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,451 per year.
At a monthly rate, this comes out to $204 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $2,579 per year.
At a monthly rate, this comes out to $215 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,771 per year.
At a monthly rate, this comes out to $231 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,791 per year.
At a monthly rate, this comes out to $233 per month.
Car owners in their 40s
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- State Farm:
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At an annual rate, you can expect to pay $2,045 per year.
At a monthly rate, this comes out to $170 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,346 per year.
At a monthly rate, this comes out to $196 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $2,391 per year.
At a monthly rate, this comes out to $199 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,515 per year.
At a monthly rate, this comes out to $210 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,515 per year.
At a monthly rate, this comes out to $210 per month.
Car owners in their 50s
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- State Farm:
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At an annual rate, you can expect to pay $2,017 per year.
At a monthly rate, this comes out to $168 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,195 per year.
At a monthly rate, this comes out to $183 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $2,205 per year.
At a monthly rate, this comes out to $184 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,458 per year.
At a monthly rate, this comes out to $205 per month.
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- Geico:
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At an annual rate, you can expect to pay $3,017 per year.
At a monthly rate, this comes out to $251 per month.
Car owners in their 60s
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- State Farm:
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At an annual rate, you can expect to pay $1,923 per year.
At a monthly rate, this comes out to $160 per month.
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- Progressive:
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At an annual rate, you can expect to pay $2,170 per year.
At a monthly rate, this comes out to $181 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,395 per year.
At a monthly rate, this comes out to $200 per month.
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- Electric Insurance:
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At an annual rate, you can expect to pay $2,401 per year.
At a monthly rate, this comes out to $200 per month.
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- Nationwide:
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At an annual rate, you can expect to pay $2,920 per year.
At a monthly rate, this comes out to $243 per month.
More Options if You Are Denied Coverage
Not all insurance companies will voluntarily provide coverage to all drivers. If you have a long record of accidents or driving tickets, a low credit score, a long gap of no insurance coverage, and other risky factors, you may find the auto insurance market closed to you.
It is risky to provide insurance to these drivers so, many companies will flat-out refuse to provide insurance. If this is the case, you can receive public coverage through your local state insurance program. In Connecticut, this would be the Connecticut Automobile Insurance Assigned Risk Plan.
This service is especially useful for truckers, taxis, and other commercial vehicle insurance plans. It also applies to everyday commuters looking for auto insurance, as federal law requires all US citizens to acquire auto insurance.
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