You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life ’ s fiscal journey. Bankrate ’ s editorial team writes on behalf of YOU – the reviewer. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow nonindulgent guidelines to ensure that our editorial subject is not influenced by advertisers. Our editorial team receives no conduct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable data. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in position to ensure that happens. Our editors and reporters thoroughly fact-check editorial subject to ensure the information you ’ re take is accurate. We maintain a firewall between our advertisers and our column team. Our column team does not receive steer compensation from our advertisers. Bankrate follows a rigorous editorial policy, so you can trust that we ’ re putting your interests beginning. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer avail, policy features and savings opportunities — therefore you can feel confident about which provider is right for you. Bankrate follows a rigid editorial policy, so you can trust that we ’ rhenium putting your interests beginning. All of our content is authored by highly qualify professionals and reviewed by discipline matter experts, who ensure everything we publish is objective, accurate and worthy of your hope. Founded in 1976, Bankrate has a long track read of helping people make smart fiscal choices. We ’ ve maintained this repute for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take following. While we adhere to strict editorial integrity, this mail may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more data, please see our Insurance disclosure. Geico offers the cheap rates for full coverage car insurance in Connecticut, at $ 1,071 per year, according to Bankrate ’ s research. Geico besides offers the bum rates for minimal coverage car indemnity in the submit at only $ 427 annually. Amica, USAA, State Farm and Nationwide follow close behind Geico with some of the lowest average premiums in Connecticut. The average cost of car indemnity in Connecticut is $ 1,845 per class for full moon coverage, and $ 794 per class for minimum coverage. You may be tempted to purchase minimum coverage since it ’ s cheaper, but it provides less fiscal protection. While full coverage typically costs a short more, it adds utilitarian fiscal protection in the form of coverage for damage to your fomite in the event of a cover accident. If you ’ re looking for bum car insurance in Connecticut, you may want to start by getting quotes from Geico, Amica, USAA, State Farm and Nationwide — which besides happen to be some of the best car insurance companies in the state .
The cheapest car insurance companies in Connecticut
To find the cheapest car indemnity in Connecticut from companies that hush offer great products and service, we used an unprejudiced evaluation organization incorporating several factors. We analyzed the most recent car insurance premium data from Quadrant Information Services to find the cheapest providers in the state. To find bum cable car indemnity companies that have good service, we collected third-party customer satisfaction ratings from J.D. Power, and looked at third-party fiscal force ratings from AM Best.
Read more: The 7 Best Car Insurance Companies (2022)
The cheapest companies for minimum coverage in Connecticut
Most insurance experts recommend purchasing higher limits if potential and encourage that drivers consider entire coverage. Why ? If you were to get in a car accident, minimum coverage car indemnity only covers damages and medical bills for the early vehicles involved up to the lowest limit permitted. With the lowest coverage selected, you ’ ll likely end up having to pay for certain expenses out of pouch. however, if you do decide that you only need minimum coverage, these companies offer brassy minimum coverage on average in Connecticut .
| Car insurance company | Average annual minimum coverage premium | Average monthly minimum coverage premium |
|---|---|---|
| Geico | $427 | $36 |
| Amica | $430 | $36 |
| USAA | $472 | $39 |
| State Farm | $618 | $52 |
| Nationwide | $631 | $53 |
The cheapest companies for full coverage in Connecticut
If you ’ ra looking for wax coverage policy, these five companies offer the cheapest rates in the Constitution State, on average .
| Car insurance company | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| Geico | $1,071 | $89 |
| Amica | $1,216 | $101 |
| USAA | $1,264 | $105 |
| Nationwide | $1,280 | $107 |
| Electric Insurance | $1,535 | $128 |
Events that can impact your cheap rates in Connecticut
Your cable car policy rates may shift due to a liveliness consequence. If something recently shifted in your animation, you may want to re-shop for insurance. The trace life events may raise your rates :
- Adding a teen driver: Drivers between the ages of 16 and 19 are almost three times more likely to be involved in a fatal crash than drivers 20-years-old and above. Insurance companies are aware of this added risk, leading to premiums for teen drivers being generally pricier. However, several student discounts exist that could help you save money if you do need to add a teen driver to your premium.
- Receiving a speeding ticket: If you receive a moving violation such as a speeding ticket, you’ll likely see an increase in your car insurance rates. However, some insurance carriers offer discounts to drivers who complete defensive driving courses.
- Being involved in an at-fault accident: If you are involved in an at-fault car accident, your car insurance premiums may go up significantly. On average, after an accident, a driver’s car insurance increases by $637.
- Being deemed a high-risk driver: After certain violations like a DUI, you may be regarded as a high-risk driver. High-risk drivers may need to be insured with a provider specializing in high-risk insurance. Be aware that high-risk insurance tends to be more expensive than standard auto insurance.
Cheapest cities in Connecticut for minimum coverage
Full coverage premiums may differ from city to city since different ZIP codes have different costs of populate, weather patterns, road conditions, costs of repair and crime rates. The cheapest cities on median for wide coverage car insurance in Connecticut are all located in the Northeastern part of the state — quite than the more expensive suburb in the southern part of the state .
| City | Average annual full coverage premium | Average monthly full coverage premium |
|---|---|---|
| Ivoryton | $1,633 | $136 |
| Essex Village | $1,633 | $136 |
| Centerbrook | $1,633 | $136 |
| Old Saybrook | $1,637 | $136 |
Minimum coverage requirements for Connecticut drivers
Each country except for New Hampshire and Virginia have minimum coverage requirements. That means these states require that drivers must hold at least a certain total of liability coverage. Connecticut ’ s minimum liability requirements are :
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
The state besides mandates that drivers hold uninsured and underinsured motorist insurance. demand limits can be found on the State of Connecticut ’ s Insurance Department web site. If you ’ re catch driving without insurance in Connecticut, you may face fines or legal consequences. While it ’ sulfur legal to drive with the minimum sum of policy required, most drivers would benefit from having higher coverage limits. Full coverage cable car policy is more likely to protect your finances in the event of an accident .
Here is how to find (and keep) cheap car insurance in Connecticut
To make sure you ’ re getting the cheapest car indemnity in Connecticut, you may want to shop for low-cost rates with multiple indemnity providers sporadically. The follow tips may help you find and keep low-cost rates for your car insurance .
- Compare quotes from multiple insurance providers: Shopping around with multiple providers and comparing their rates is one of the best ways to keep your car insurance rates low. Especially if you’ve had a recent life change such as adding a teen to your policy or getting a ticket, you may want to see if another insurance company offers you better rates.
- Maintain clean driving records: One of the best ways to keep your car insurance rates low is to maintain a clean driving record and keep your number of claims down.
Frequently asked questions
What is the best car insurance in Connecticut?
Most major insurance providers sell policies in Connecticut, but the preferences may not be the same for every customer. The best cable car indemnity in Connecticut depends on person needs, budget, driving record and ZIP code, and the provider that suits one person may not suit another. To get the best car policy deal in Connecticut, one tried and tested method acting is to collect quotes from multiple companies and compare the coverage options for the price .
What is the average cost of car insurance in the U.S.?
The average monetary value of car insurance in the United States is $ 1,674 per year for a entire coverage policy and $ 565 per class for a minimum coverage policy. relatively, the average annual monetary value for full moon coverage in Connecticut is $ 1,845 and $ 794 for minimum coverage .
How can I lower my car insurance rates in Connecticut?
To lower your car indemnity rates in Connecticut, you may want to get quotes from the cheap cable car indemnity companies in the state and see which party offers you the lowest premium. In accession, it may be helpful to look for discounts that apply to you and see if you can take advantage of multiple savings. For exemplify, you may qualify for both a bunch discount rate and a teacher rebate. Some policy companies allow you to take a defensive drive course to save money and some offer telematics programs, which track your drive in real time and reward you for dependable drive. If you have bad credit in Connecticut, your car policy could increase. Raising your credit score could lower your car policy premium over time .
What is the penalty for driving uninsured in Connecticut?
Driving without policy is a class C misdemeanor in Connecticut. Penalties could include up to $ 500 in fines, imprison time of up to three months or both.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, well credit and the keep up broad coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverage that meets each submit ’ sulfur requirements. Our base profile drivers own a 2019 Toyota Camry, change five days a workweek and drive 12,000 miles annually. These are sample distribution rates and should merely be used for comparative purposes .