Connecticut quick facts
- Cheapest carrier for full coverage in Connecticut is GEICO: $1,129
- Cheapest carrier for minimum coverage in Connecticut is GEICO: $440
- Carrier with highest customer satisfaction in Connecticut: USAA
- Number of uninsured drivers in Connecticut: 9.4%
- Connecticut is on the higher end for car insurance rates
Average cost of car insurance in Connecticut
What you pay for car indemnity is influenced by quite a few factors, some of which include your marital status, credit score, type of car you drive and your particular ZIP code. however, your driving history is typically the biggest agent that impacts what you pay each month for car indemnity. See the mesa below to understand merely how much a one speed tag or car accident can raise your premium .
| Clean record | 1 speeding ticket | 1 accident | |
|---|---|---|---|
| Full coverage | $1,782 | $2,216 | $2,386 |
| Minimum coverage | $790 | $992 | $1,255 |
Quadrant data services, 2020
Best car insurance companies in Connecticut
Our best car insurance companies in CT are :
- Allstate: Best for mobile app
- Amica: Best for discounts
- GEICO: Best for low rates
- State Farm: Best for financial strength
- USAA: Best for customer service
average annual premiums by policy carrier :
| Company | J.D. Power Score/5 | AM Best | Discounts offered | Average rate |
|---|---|---|---|---|
| Allstate | 3/5 | A+ (Superior) | New car, multi-policy, anti-theft, smart student, auto-pay, full-pay, accident free | $1,981 |
| Amica | 5/5 | A+ (Superior) | Multi-policy, loyalty, claim-free, home ownership, legacy, paid-in-full, auto-pay, paperless, anti-theft, good student, distant student, defensive driving | $1,294 |
| GEICO | 3/5 | A++ (Superior) | Defensive driving course, good driver, good student, federal employee, military, new car, multi-policy, anti-theft | $1,129 |
| State Farm | 3/5 | A++ (Superior) | Defensive driving, accident-free, good student, accident free, distant student, anti-theft, multi-policy | $1,666 |
| USAA | 5/5 | A++ (Superior) | Military installation, annual mileage, loyal customer, driving research, defensive driving | $1,402 |
Quadrant datum services, 2020
Allstate: Best for mobile app
With Allstate ’ s mobile app, you can do anything you need to manage your policy : file a claim, make a payment or even request wayside aid. For drivers with a predilection towards mobile interfacing, Allstate is a great option to consider. Allstate offers a reasonably comprehensive digital profile beyond merely the app ; you can learn about all things insurance related through Allstate ’ s web site. Allstate besides offers a average amount of discounts and receives above average marks when it comes to customer service .
Amica: Best for discounts
Amica offers a long list of discounts, many of which most drivers qualify for without needing to do anything extra. Amica is a company of many strengths. Along with a variety of discounts, premiums in Connecticut are fairly competitively priced and it routinely receives top marks from J.D. Power for claims atonement. Though USAA technically beats Amica when it comes to customer service, USAA is limited in who can qualify because of its military eligibility requirements. Unlike USAA, anyone can join Amica and benefit from the discounts, abject rates and top tier customer serve .
GEICO: Best for low rates
GEICO offers some of the lowest average premiums in the insurance diligence within the U.S., including Connecticut. This is before discounts have even been applied, which GEICO offers in abundance. Though GEICO may not have received circus tent marks for customer title satisfaction from J.D. Power, the supplier was only 21 points behind USAA ( meaning 879 compared to USAA ’ s 900 ) in the 2019 learn. GEICO is besides financially potent, as indicated by AM Best ’ s fiscal strength rat of “ A++, ” which means it shouldn ’ deoxythymidine monophosphate have any issues paying claims ( even in a mass calamity scenario ). All in, GEICO is a well rounded indemnity company that offers some of the lowest rates for Connecticut drivers .
State Farm: Best for financial strength
AM Best considers State Farm ’ s fiscal potency to be desirable of the highest rating — A++ ( Superior ). In accession, it offers a host of discounts, fairly bum rates and a assortment of digital resources for policyholders. State Farm ’ s on-line presence and mobile app are both drug user friendly and extremely handy to have in the event you need to file a claim or contact your agent. For claim gratification, it scored just one degree below GEICO, putting it in 5th place overall in the 2019 J.D. Power learn .
USAA: Best for customer service
Every year, USAA is given top marks from J.D. Power for its customer service and claims satisfaction. Policyholders who are eligible and can obtain indemnity from USAA speak highly of interactions with agents in handling claims or fair general policy management. USAA is one of the best providers in the occupation by available metrics. however, USAA lone serves stream or retire military, a well as members of their immediate or extended family. While discounts are not equally numerous as other providers, rates are typically fairly competitive and the party ’ sulfur fiscal intensity profile is impressive .
Car insurance rates in Connecticut by city
In other states, the specific city you live in can have a huge impingement on the average cost of full coverage premiums. This holds genuine in Connecticut, with major cities running a few hundred or more above the state average — unless you live in Stamford, which presently has the cheapest average rates among the circus tent five cities. The postpone below indicates the average monetary value drivers pay in each city.
| City | Full coverage annual rate | Minimum coverage annual rate |
|---|---|---|
| Bridgeport | $2,250 | $993 |
| New Haven | $2,308 | $1,047 |
| Stamford | $1,837 | $788 |
| Hartford | $2,270 | $1,021 |
| Waterbury | $2,113 | $928 |
Quadrant datum services, 2020
Bridgeport
Full coverage in Bridgeport averages about $ 447 more a year than the state of matter average. The current average premium in Bridgeport is $ 2,250 a year for full coverage cable car indemnity. One reason the measure is probable higher than both the state and national average is due to Bridgeport ’ s population concentration. presently, Bridgeport is pushing a population conclusion to 145,000, which is proportionately high given the size of the city .
New Haven
New Haven residents pay, on average, about $ 505 more a class than other Connecticut drivers for broad coverage. At $ 2,308 a year, this is besides quite a bit more than the current national median of $ 1,555, and the express modal of $ 1,803. respective factors normally contribute to the higher price of car policy, such as crime, population concentration and percentage of uninsured drivers .
Stamford
At $ 1,837 a year, Stamford is reasonably close to the state average of $ 1,803.Though this total is still higher than the national modal of $ 1,555, it is the cheapest among Connecticut ’ s top cities. With a population density pushing 130,000, it ’ sulfur surprising local residents don ’ thymine pay more .
Hartford
Residents of Hartford pay about $ 467 more than the rest of the state. With an average annual premium of $ 2,270 for full coverage, Hartford drivers besides pay up over $ 700 more than the national average. When you consider the fact that Hartford is only a relatively-dense city ( 122,000 ), and the fact that the median income is $ 34,338, it ’ second surprise that Hartford residents aren ’ deoxythymidine monophosphate paying less. steep rates can often be the resultant role of early factors excessively, such as uninsured motorists and crime, so it ’ mho possible these put up to the higher rates in Hartford, Connecticut .
Waterbury
Waterbury drivers pay $ 310 more a year than the state average for broad coverage indemnity. Although Waterbury isn ’ t the most expensive city on this list, it is still $ 558 more than the US average .
Connecticut car insurance considerations
Connecticut doesn ’ thymine have excessively many natural disasters that affect the express, nor does it have identical high minimal liability requirements compared to other states. When it comes to uninsured drivers on the road, the Insurance Information Institute indicates in holocene data that alone 9.4 % of Connecticut drivers are driving without insurance, which is far better than states like Florida ( 26.7 % ). Connecticut ’ second high premiums can by and large be linked to its above median urban areas. Cities with higher congestion are typically prone to more accidents each year. In summation, if an insurance company sees that a majority of a state ’ second population makes more than the rest of the area ( and drives expensive new cars ), rates will be adjusted consequently. When it comes to Connecticut ’ s minimum liability requirements, they are lighter than other states .
Connecticut minimum liability requirements
Connecticut requires a minimal of 25/50/25 coverage, although the department of state recommends getting higher coverage to be good protected in the event of a claim. Those numbers refer to $ 25,000 per person, $ 50,000 per accident and $ 25,000 per accident for property damage indebtedness. here ’ s a immediate overview of Connecticut ’ s minimum car policy requirements :
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
How we chose the best car insurance providers in Connecticut
coverage chose the best connecticut car insurance companies based on the average monetary value of premiums, the sum of discounts offered and reviews from third base party companies such as AM Best and J.D. Power. After comparing what each company offered, we selected our clear five recommendations for Connecticut drivers to consider. AM Best and J.D. Power both provide significant insight into the inner workings of a company, but ultimately, comparing quotes from providers and determining which meets your policy needs is the best way to find a provider for you .
Other car insurance providers in Connecticut to consider
A few other great indemnity providers are worth considering for drivers in Connecticut. In addition to the top picks, you may inactive want to consider getting a quote from the follow three :
| Company | J.D. Power Score/5 | AM Best | Discounts offered | Average rate |
|---|---|---|---|---|
| Progressive | 3/5 | A+ | Multi-policy, multi-car, safe driver, teen driver, good student, homeowner, distant student, paperless, paid-in-full, auto-pay | $2,148 |
| MetLife | 3/5 | A+ | Multi-policy, safe driver, defensive driving, low-mileage, anti-theft, good student, anti-lock brake | $2,222 |
| The Hanover | 3/5 | A | Paid-in-full, multi-car, Good student, anti-theft, defensive driving, student away at school | $4,163 |
Quadrant datum services, 2020
The Hanover
The Hanover is the most expensive caller on this list, but it ’ south still able to compete with other providers in certain aspects. In J.D. Power ’ sulfur 2020 New England cogitation, for case, The Hanover came in sixth overall for customer satisfaction. AM Best besides awarded it an A ( Excellent ) for fiscal forte, which is the minimum an insurance provider should be to ensure payouts in the event of widespread claims .
MetLife
MetLife is considered to provide a cocksure customer service feel, according to the 2019 J.D. Power claim gratification study, and earned an “ Excellent ” ( A+ ) evaluation with AM Best. MetLife besides offers reasonably standard discounts that are easy to qualify for.
Progressive
In contrast to MetLife, Progressive offers an extensive list of car discounts and is a financially competent caller by AM Best standards. The cost of its average premium international relations and security network ’ thymine a first gear as GEICO or Amica, but it ’ s still competitive with other insurance providers. It besides scores systematically well with J.D. Power ( in the 2020 study, it came in one-fifth overall for the New England area ) .
Methodology
coverage utilizes Quadrant Information Services to analyze quoted rates from thousands of zip up codes across all 50 states and the District of Columbia, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30-year-old male and female with clean drive records, good recognition and the following full coverage details :
- $100k bodily injury liability per person
- $300k bodily injury liability coverage per crash
- $100k property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
minimum coverages were applied to match state requirements. Both drivers used a newfangled, finance 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year .