Connecticut Car Insurance – How Much is Car Insurance in Connecticut?
car insurance rates in traffic-clogged Hartford are closely doubly vitamin a expensive as those found in more rural areas of Connecticut. No matter where you live, you ‘ll find some insurance companies charge room more than others. You can get an idea of how state of matter car policy rates compare in closely every Connecticut ZIP code below. Key Highlights
- The average car insurance cost in Connecticut is $169 per month or $2,036 a year for a full coverage policy.
- Geico & State Farm have the cheapest auto insurance in Connecticut for state minimum policy.
- In Connecticut, you can expect your rate to go up by an average of 161 percent when adding a driver age 16 to your coverage.
- Connecticut ranks 44th among the worst states for drivers with bad credit.
How much is car insurance in CT
The average car insurance rate in Connecticut, CT is $ 1,771 a year. The severity and frequency of claims in your neighborhood, your driving commemorate, the type of car you drive and other variables are used by indemnity companies to figure out the cost of your policy. That ’ south why the monetary value for the same coverage can vary importantly among insurance companies — and why you should compare rates. For model, in Hartford ZIP code 06103 the highest rate among six carriers ( $ 3,534 ) is over $ 2,294 more than the lowest ( $ 1,249 ). When shopping for car policy, use our average car indemnity rates tool to compare rates. Enter a ZIP code to see the average premium for your region. You will besides see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most low-cost car indemnity price is in your sphere. For a custom-make rate, choose among six age groups and three coverage levels .
connecticut Car Insurance Rates by ZIP Code
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Coverage Types
State Minimum Liability Liability Only – $ 50K/ $ 100K/ $ 50K Full Coverage – $ 100K/ $ 300K/ $ 100K *Please record valid travel rapidly
State Minimum:
Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50:
$50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100:
$100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
06105,
Hartford,
For
30
Year Old
Male
( type :
Liability – Minimum
) average monthly premium $ 106
$148
/mo Highest pace
$41
/mo Lowest rate Compare personalized quotes from up to 20 companies in
Connecticut
now How we researched it ? CarInsurance.com commissioned Quadrant Information Services to provide a report of average car indemnity rates for a 2017 Honda Accord for about every zip code code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly policy for a male driver, age 30, for state minimum required liability coverage. Averages for custom-make rates are based on drivers ’ ages and sex for the comply coverage levels : state minimal liability, liability of 50/100/50 and 100/300/100 with $ 500 deductible on comprehensive examination and collision. These hypothetical drivers have clean records and good credit rating. average rates are for comparative purposes. Your own rate will depend on your personal factors and fomite. How do I use the calculator to get median car indemnity rates ? Enter a ZIP code in the creature below to see the average premium for the location. You will besides see the highest and lowest rates from the six major carriers surveyed. You can get a more custom-make pace by choosing from among six age groups and three coverage levels. This way you can tell if your quotes are excessively high and if you should keep shopping for a lower rate.
Cheap car insurance quotes in CT
Connecticut car insurance requirements
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $20,000/$50,000 |
| Minimum property damage liability | $25,000 |
| Uninsured/underinsured motorist bodily injury | $25,000/$50,000 |
Your country ‘s minimum car policy requirements will be the cheapest coverage you can get. Connecticut requires cable car owners to buy indebtedness policy of $ 25,000 per person and $ 50,000 per accident for bodily wound liability and $ 25,000 for property wrong indebtedness. These minimum requirements were precisely hiked on Jan. 1, 2018, sol if your policy had the prior, lower limits, you should be mindful of how your coverage and rates are affected when states hike mandated liability requirements. If you have personal assets to protect, home and savings, higher limits might be worth the excess premium you pay. You will pay more for more protection, but as you ’ ll see in the chart below, extra indebtedness coverage is typically low-cost. To increase your limits to 50/100/50, you ’ ll pay an average of $ 107 more annually, or just $ 9 a month. Increasing your policy from the department of state minimal to full coverage with a $ 500 deductible costs, on average, $ 1,010 more, or $ 505 a month .
| Coverage limits | Average annual rate |
|---|---|
| Liability Only – state minimum | $761 |
| Liability Only – 50/100/50 BI/PD | $868 |
| Full Coverage – 100/300/100 BI/PD $500 Comp/Collision deductible | $1,771 |
*The table shows the modal annual rate of closely every travel rapidly code in Connecticut from up to six major policy companies. Rates are for a male driver, senesce 40, with a houseclean phonograph record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services .
Recommended car insurance
even a minor fender-bender can cost much more than what your minimal indemnity will pay out. For case, say you have Connecticut minimum bodily injury of $ 20,000 and $ 10,000 in property price. You then cause an accident that totals the other driver ’ s car, valued at $ 20,000. It besides results in $ 45,000 of medical expenses for the other driver ’ south injuries. You ’ ra responsible for damages not covered by insurance. That means you have to pay $ 25,000 for medical bills and $ 10,000 for the damaged car – a total of $ 35,000. Use our How a lot car indemnity Do You Need ? creature to get a recommendation .
Liability
We recommend you buy more insurance than is required to legally drive a car in your state, particularly if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:
- less than $50,000, choose at least 50/100/50
- between $50,000 and $100,000, choose at least 100/300/100
- more than $100,000, choose at least 250/500/100
If you ‘re leasing or financing your car, you must get coverage of 100/300/100 or higher .
Collision and comprehensive
Collision coverage pays for damage to your car after an accident that you cause. comprehensive policy pays to replace steal cars and break dance glaze and for damages from vandalism, implosion therapy, hail, burn and animal strikes. These optional coverages are normally not budget-busters. Connecituct drivers pay, on modal, $ 359 a year for collision and $ 131 annually for comprehensive, according to the Insurance Information Institute. If your car is:
- less than 10 years old, you should strongly consider buying collision and comprehensive.
- more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.
If you buy comp and collision, check our scout to choosing a deductible measure .
Uninsured/underinsured motorist
These coverages are required in Connecticut and should match the indebtedness limits you choose. Uninsured motorist coverage and underinsured motorist coverage pays for damages if you ’ re hit by a driver with no policy or a driver with coverage that ’ mho insufficient to pay for your repairs and medical expenses. Medical coverage (MedPay) medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of mistake, starting at $ 5,000 and up to $ 25,000. In most states, including Connecticut, it ‘s an optional addition to your car insurance policy. MedPay does the come :
- Covers you and your passengers’ medical expenses
- Pays for expenses after health insurance limits are exceeded
- Offers additional protection to insured drivers who are hit by a car while walking or biking
If you and your passengers:
- Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
Gap insurance
If you don ’ t own your car outright and have an accident, gap indemnity pays the difference between the cash respect of your cable car and the current outstanding balance on your loanword or lease .
- If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
- If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
- If you own your car outright, you don’t need gap insurance.
Cheapest car insurance in Connecticut by company
Below you ‘ll see average annual rates for Connecticut, ranked cheapest to most expensive, for three coverage levels :
- State minimum liability requirements
- Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
- Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible
| Company | State minimum average annual rate | 50/100/50 average annual rate | 100/300/100 average annual rate |
|---|---|---|---|
| Allstate Fire & Cas Ins Co | $892 | $1,012 | $2,462 |
| Foremost Ins Co Grand Rapids MI | $996 | $1,138 | $2,478 |
| Geico Gen Ins Co | $455 | $501 | $946 |
| Nationwide Mut Ins Co | $723 | $794 | $1,254 |
| Progressive Cas Ins Co | $900 | $1,029 | $2,026 |
| State Farm Mut Auto Ins Co | $603 | $738 | $1,463 |
Low cost auto insurance for Connecticut drivers with recent accidents
Filing an accident claim means you are probably to pay more for your car policy coverage. however, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses hazard differently, so that ‘s why the addition after an accident will vary among insurers. here is how major carriers compare after at-fault accidents for the average Connecticut driver with a full moon coverage policy :
| Company | 1 At-fault property damage accident over $2K | 2 At-fault property damage accident over $2k | At-fault bodily injury accident |
|---|---|---|---|
| Allstate F&C | $3,476 | $4,514 | $3,476 |
| Foremost Ins Co. Grand Rapids | $4,024 | $5,299 | $4,974 |
| GEICO General | $1,360 | $2,608 | $1,360 |
| Nationwide Mutual | $2,803 | $3,736 | $2,803 |
| Progressive Casualty | $2,468 | $5,648 | $2,468 |
| State Farm Mutual Auto | $1,405 | $2,371 | $1,405 |
*The table shows the average annual rate of about every zip up code in Connecticut from up to six major indemnity companies. Rates are for a male driver, age 40, with a clean and jerk record and full credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services .
Who has the cheapest Connecticut car insurance for drivers with speeding tickets?
If you get a rush tag, chances are you ‘ll see an increase in what you pay for car indemnity, upon your policy renewal. typically, you ‘ll pay more for three years. But even with a dealings ticket, comparison shop can save you money. For example, you ‘ll see that the difference between the highest rate and the lowest in the table under is more than $ 2,734, on average, according to CarInsurance.com ‘s rate analysis. That ‘s how much you can save by comparing car insurance companies .
| Company | Average Rate |
|---|---|
| GEICO General | $1,266 |
| State Farm Mutual Auto | $1,405 |
| Nationwide Mutual | $2,070 |
| Allstate F&C | $2,314 |
| Progressive Casualty | $2,840 |
| Foremost Ins Co. Grand Rapids | $3,999 |
How much does it cost to add a teen to your policy in Connecticut?
No count where you live, adding a newly driver to your family policy will hike your rate significantly. In Connecticut, you can expect your rate to go up by an average of 161 percentage when adding a driver age 16 to your coverage, according to CarInsurance.com rate data. You ‘ll see in the mesa below how much it costs, on average, to add a adolescent driver in Connecticut, and how major insurers compare on monetary value. GEICO General had the lowest car policy cost for adding a driver historic period 16 to a full coverage kin policy, among insurers surveyed .
| Company | Average Rate | Average Rate after adding female teen | $ Increase (female) | Average Rate after adding male teen | $ Increase (male) |
|---|---|---|---|---|---|
| Allstate F&C | $2,314 | $5,397 | $3,083 | $5,943 | $3,629 |
| Foremost Ins Co. Grand Rapids | $3,385 | $7,142 | $3,756 | $8,571 | $5,186 |
| GEICO General | $940 | $2,285 | $1,345 | $2,820 | $1,880 |
| Nationwide Mutual | $1,751 | $3,284 | $1,533 | $3,911 | $2,161 |
| Progressive Casualty | $2,198 | $5,313 | $3,115 | $5,922 | $3,723 |
| State Farm Mutual Auto | $1,294 | $3,044 | $1,750 | $3,836 | $2,542 |
Cheapest Connecticut auto insurance for young drivers: Ages 18 to 25
Enter an old age from 18 to 25 to see who has the best rates for young drivers in Connecticut, by company. You ’ ll examine in the chart below which car indemnity companies have the lowest rates for young drivers buying a entire coverage policy. average car indemnity rates by historic period data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even new drivers can save money by comparing car insurance rates to see which ship’s company has the lowest rates, by qualifying for student discounts and by staying on their parents ’ policy vitamin a long as possible .
Senior drivers: Cheap auto insurance for Connecticut drivers age 65 to 85
Below you can see average rates by company for drivers old age 65 and complete, buying a wide coverage policy. While comparing car policy quotes is always one of the primary ways to save on coverage, you can besides see if you qualify for a mature driver discount or if you can trim rates by taking a defensive drive naturally .
Car insurance for Connecticut drivers with bad credit
cable car indemnity for drivers with bad credit costs importantly more than it does for those with estimable credit rating. Connecticut ranks 44th among the worst states for drivers with badly credit, as CarInsurance.com ‘s data analysis shows. Compared to commodity credit drivers, those in Connecticut with bad credit pay 56 percentage more, on average. The good news is that you can calm shave some money off your coverage costs if you compare car indemnity companies. You ‘ll see below that the deviation among major insurers is closely $ 2,930 for a full coverage policy for a driver with badly credit. That ‘s how a lot you can potentially save by comparing car policy quotes .
| Company | Poor credit |
|---|---|
| GEICO General | $1,701 |
| State Farm Mutual Auto | $2,312 |
| Nationwide Mutual | $2,795 |
| Progressive Casualty | $3,276 |
| Allstate F&C | $3,858 |
| Foremost Ins Co. Grand Rapids | $4,631 |
Best car insurance companies in CT
Scores are based on Insure.com ’ s “ Best insurance Companies ” customer recapitulation view of 3,700 customers. Policyholders ranked insurers on claims handling, customer overhaul, value, mobile apps/website utility and were asked if they would renew their coverage and if they would recommend the company. All scores are out of 100 .
| Rank | Company | Score |
|---|---|---|
| 1 | USAA | 91.83 |
| 2 | CSAA Insurance Group | 89.79 |
| 3 | The General | 89.21 |
| 4 | Liberty Mutual | 88.17 |
| 5 | Allstate | 88.04 |
| 6 | Auto Club of Southern California (Auto Club Enterprise Insurance Group) | 87.50 |
| 7 | Geico | 87.35 |
| 8 | Hartford | 87.25 |
| 9 | Farmers | 87.13 |
| 10 | Progressive | 87.01 |
| 11 | Esurance | 86.65 |
| 12 | State Farm | 84.69 |
| 13 | Safeco | 84.08 |
| 14 | Nationwide | 84.00 |
| 15 | Travelers | 83.06 |
| 16 | Metlife | 82.49 |
| 17 | Erie | 82.10 |
Largest car insurance companies in Connecticut
| Rank | Company | Premiums Written | Market Share |
|---|---|---|---|
| 1 | Berkshire Hathaway Insurance Group | 528,907 | 18.02% |
| 2 | Allstate Insurance Group | 304,028 | 10.36% |
| 3 | Liberty Mutual Insurance Companies | 297,602 | 10.14% |
| 4 | Progressive Insurance Group | 268,001 | 9.13% |
| 5 | Travelers Group | 195,421 | 6.66% |
| 6 | State Farm Group | 192,401 | 6.55% |
| 7 | USAA Group | 137,617 | 4.69% |
| 8 | Nationwide Group | 123,130 | 4.19% |
| 9 | Farmers Insurance Group | 52,177 | 1.78% |
| 10 | American Family Insurance Group | 6,622 | 0.23% |
source : A.M. Best ; State/Line ( P/C Lines ) – P/C, US ; Data as of : November 28, 2018
Connecticut Car Insurance Laws
| Roads | Number of Fatal Accidents |
|---|---|
| US-6 | 14 |
| SR-15 | 12 |
| I-95 | 10 |
| I-91 | 10 |
| US-44 | 8 |
| I-84 | 8 |
| SR-8 | 7 |
| US-1 | 6 |
| SR-10 | 5 |
| US-202 | 4 |
Uinsured/underinsured motorist
Uninsured and underinsured motorist bodily injury coverage is bundled together in Connecticut and required as part of a basic car policy policy. Connecticut car policy providers must besides offer you underinsured motorist conversion coverage. normally, underinsured motorist bodily injury coverage ( UIM ) is reduced by any payment for your injuries you get from other sources, including the at-fault driver ‘s indemnity caller. If you choose to pay for conversion coverage, you are eligible to receive the entire sum of your own coverage .
Online DMV appointments
Skip the lines at the DMV. Connecticut offers online driver ‘s license testing appointments and payments .
Points for speeding
accelerate is a one-point discourtesy on your Connecticut motive vehicle record, but driving excessively lento — impeding dealings — is two points .
Repairs
Connecticut state police permits parts that are not original equipment manufacturer ( OEM ) to be used for the repair of your vehicle. Recycled ( used, reconditioned or salvage ) parts can besides be used. however, you must be notified in the rectify appraisal. If you want OEM parts used alternatively, you normally must pay the difference of what the insurance company will pay and what the OEM part costs .
Total loss
If a Connecticut car indemnity ship’s company ‘s repair calculate equals or exceeds the clean marketplace value of your vehicle, it should be considered a sum passing according to country law. But some insurers may decide to total a fomite at a lower share of damage, such as 75 percentage .
Driving an unregistered car
The all right for driving an unregistered car in Connecticut is about $ 150 on top of administrative costs, court costs and other fees. Car policy rates should not go up as a result of the rape, however .
Uninsured motorist penalties
You may be fined $ 100 to $ 1,000, be sentenced to 90 days in imprison and your license and registration may be suspended for driving without policy .
Complaint tickets
Some basic traffic violations, such as accelerate or running a stop signal, are termed complaint tickets in Connecticut. Complaint tickets will result in a very well, but they wo n’t add points to your driver ‘s license. Your insurance rates may be affected still — some companies consider your misdemeanor when you renew or change policy .
Average annual car insurance rates for major cities in Connecticut
Below you ‘ll see how average annual rates for several of the largest cities in the state comparison to submit and national averages. Rates are for coverage of $ 100,000 per person/ $ 300,000 per accident in liability and $ 50,000 of property wrong coverage, with comprehensive examination and collision carrying a $ 500 deductible. Show Tabular Data
| City | Average Premium |
|---|---|
| Bridgeport | $2,333 |
| Hartford | $2,527 |
| New Haven | $2,457 |
| Stamford | $1,829 |
| Waterbury | $2,355 |
| Connecticut | $2,235 |
| National | $1,679 |
Guide to car insurance (with rates) in cities of Connecticut
Hartford $ 2,667/yearBridgeport $ 1,786/yearNorwalk $ 1,344/year
Stamford $ 1,414/year