The journey to cheap car insurance starts here. Unlike other products like milk or renting a hotel room, car insurance varies in cost for many reasons. When you search for prices online, you’ll find walls of questions thrown in front of you before you reach a single quote. That’s because car insurance prices depend on personal information to assess what they’ll cost you.
Depending on where in Connecticut you live, your gender, the car or cars you drive, your age, driving history, and how many drivers will appear on the policy, the price of your insurance premiums can change. Even if you don’t like revealing all that personal information to a car insurer, there’s no way around it. They won’t take you on unless they can know your life details to assess how you stack up to the other drivers they insure.
Connecticut finds itself on the more expensive side of car insurance when compared to prices nationwide. That’s all the more reason to find the best and cheapest policies possible in Connecticut. Before we dive too far into numbers and lists, we need to take a glance at what makes driving in Connecticut unique.
Car Insurance and Connecticut
A 2018 EverDrive Safe driving report made big news when it ranked Connecticut as the state with the worst drivers. However, these results should be taken with a grain of salt. This survey was conducted by an app that required drivers to self-report behavior. It may be that Connecticut has more honest drivers than other states.
The state also draws a lot of tourist traffic, which can make for crowded roads on weekends and Friday evenings. It’s a place with a lot of people, a lot of cars, and fewer roads than one would like. It’s a state with piles of history and never a weekend without a festival, event, or commemoration.
What to Know About Connecticut Drivers
Car Insurance companies absorb data from all the drivers they cover in Connecticut and use this data to set their rates. Since the state is coastal, Connecticut has milder winters when compared to some of its neighbors. That doesn’t mean that winter driving won’t be hazardous. Icy roads and blizzard conditions are a recipe for car damage. In a given winter, the heaviest snow in the state falls north of Interstate 84. The mild summers compared to southern states make it a travel hub for visitors weary of the summer blaze.
Unfortunately, Connecticut is known for having a high percentage of drunk driving fatalities. While rates have been falling nationwide, Connecticut remains a leader in this unhappy category. It’s one contributor to the higher overall car insurance prices in the state. Connecticut lawmakers continue to push for ways to keep itself off of the list but the danger remains—particularly in the month of December.
Connecticut State Car Insurance Laws
Per Connecticut law, a minimum amount of coverage is mandatory to drive on Connecticut roads. The amount for this minimum coverage is $25,000 coverage for bodily injury per person and up to $50,000 per accident with at least $25,000 for property damage. These amounts remain the same for uninsured motorist coverage. Since it’s the minimum required, it’s the amount that insurance companies must offer to all drivers.
Penalties for violating Connecticut driving laws increase with each repeat violation. For example, a 16 or 17-year-old first time offender for being caught texting while driving may face a thirty-day suspension that jumps to a sixty-day suspension upon a second offense, as well as fines. Connecticut combats the high rate of drunk driving by requiring offenders to install an ignition interlock in their cars with a one hundred dollar administration fee.
What are the Penalties for not having Car Insurance in Connecticut?
Per Connecticut law, if a driver is caught without proper car insurance, that driver faces a $100 to $1000 fine as well as one month of having their driver’s license suspended. An additional, $175 restoration fee is required for any holder of a suspended license to have it restored. These penalties are nothing to ignore. Even if you have insurance on your vehicle but fail to provide it to an officer, you’ll face at least a $50 fine.
Connecticut law also imposes restrictions on older drivers. Drivers over 65 are required to have their license renewed in person every two years. A vision test may be necessary as well as a written and driving test if the driver has had a license expired for two years or more. Restrictions may be placed on older drivers which include no nighttime or highway driving or that the driver must wear vision and hearing aids at all times while operating a vehicle.
Connecticut follows many other states by using a point system to address repeat violators. If a driver receives six points on their license within the span of two years, they will be sent a written warning from the Connecticut DMV and be required to complete a driver retraining program. If you accrue ten points on your license, it will be suspended.
The largest impact on your insurance cost is which coverages you buy. Here’s an overview of the big three so you can find cheap car insurance in Connecticut.
What is Liability Coverage?
Liability insurance is the minimum amount of insurance that Connecticut requires you to purchase in order to drive. This specific type of insurance pays for the medical bills and vehicle damages for a driver and occupants of another car that you hit. However, liability insurance does not cover damage to your vehicle and yourself.
This basic minimum level of insurance keeps Connecticut courthouses clear of adjudicating every fender bender in the state. It’s the most inexpensive form of insurance, but it also protects you the least.
What is Comprehensive Coverage?
When your car is parked and somehow gets damaged, this coverage covers the repair costs. This includes accidents like falling ice, theft, flooding, and falling tree limbs.
If you drive into high water or skid off an icy road, that damage will not be covered by comprehensive coverage because the car was moving while you were driving. This insurance is for other accident events.
Because the type of damage done to a stationary car can be large, be sure to check with what is or isn’t covered by your carrier’s comprehensive coverage. The good news is that comprehensive coverage also covers human dangers such as thieves and parking lot ‘scrape and runs.’ Comprehensive is a good idea if you live in an area known for theft or harsh weather.
What is Collision Coverage?
Collision insurance pays for your car repairs when you’re in a wreck. Most people think of this type of insurance when they think of car insurance. It should be noted that Connecticut has a law of modified comparative negligence. It’s a fancy phrase for what happens if both parties are the cause of an accident. A Connecticut court may allow insurance companies to split the cost of an accident with you if they can prove you had a partial fault in it.
Collision coverage becomes even more important in circumstances like this since your vehicle will need repairs no matter who or how much someone else is at fault.
The subtlety of what makes up a car insurance’s monthly price tag can be a mystery, but the plain fact is that coverages you buy beyond liability make up the bulk of your costs. Cars that have been leased will usually require both comprehensive and collision to protect the lender from your damages to a vehicle you don’t own yet.
Cheap Car Insurance in Connecticut
Car insurance in Connecticut runs on the more expensive side when compared to national averages. The cost of car insurance in Connecticut has been increasing on average at the rate of about $20/year for yearly coverage. This rate nearly doubles its neighbor, Vermont.
Car insurance in Connecticut rests at about $150/year over the national average. The dense, urban nature of the state on top of its high DUI fatality rates makes it a more expensive state to drive in.
Connecticut is also a state with many current and former Navy personnel. If you’ve served in the armed forces, be sure to ask about discounts because they can be significant.
It’s also worth noting that Connecticut has the most expensive auto insurance for a 16-year-old with rates averaging around $9,000. Yikes.
What is the Cheapest Car Insurance in Connecticut for Minimum Coverage?
- Amica—$563 per year
- Geico—$663 per year
- State Farm—$670 per year
- Nationwide—$723 per year
- Allstate—$932 per year
Some of the cheapest car insurance companies for minimum coverage in Connecticut are State Farm, Amica, and Geico. Amica was able to offer rates of almost $100 less expensive per year than the nearest competitor.
As great as finding cheap insurance is, minimum coverage is not recommended because accidents can easily exceed the legally required coverage. The remainder of the cost of the accident would be yours to pay and potentially in the tens of thousands of dollars range.
Minimum liability coverage is where you start your insurance journey, but you should look to double the amounts you’re covered for just to protect yourself. It’s only a few extra dollars a month but could save you thousands.
What is the Cheapest Car Insurance in Connecticut for Full Coverage?
- Progressive —$1135 per year
- Geico—$1176 per year
- Nationwide—$1219 per year
- State Farm—$1331 per year
- Amica—$1354 per year
Full Coverage auto insurance in Connecticut switches things up from our minimum coverage ranking. Progressive, Geico, and Nationwide all emerge as clear winners. The price spread from cheapest to most expensive can reach over $1000/year difference so it is worth doing homework. Shopping around for car insurance is always recommended as the discounts and programs vary widely between insurance carriers.
What is the Cheapest Full Coverage Car Insurance in New Haven and Bridgeport?
Bridgeport and New Haven have much higher automobile insurance rates than the surrounding cities. Despite being neighbors, the cheapest carriers vary a great deal.
In New Haven, some of the cheapest rates can be found with Geico, All State, Travelers, and Nationwide. Bridgeport, on the other hand, has its cheapest rates with Geico, American Family, the General, and Nationwide.
Competition between insurance carriers is heaviest in older and more established parts of the country. Add to this the competitive push to find lower prices for customers and it’s a recipe that produces a swath of companies fighting to be the cheapest.
What is the Cheapest Car Insurance by City?
As you might expect, small cities have the cheapest insurance costs. The lower volume of traffic results in fewer accidents. Newtown, Bantam, Stonington, and Jewett City have some of the lowest rates in the entire state.
What are the Best Car Insurance Companies in Connecticut?
Despite the emphasis we’ve put on the cheapest policies, cheap policies should only be part of your thinking when it comes to choosing a car insurance policy. The most affordable policy can sometimes be that way for reasons that create huge headaches. You’re trusting your car, and, in a way, your livelihood, to these companies. Make sure to do your own research before picking one, especially in an expensive place like Connecticut.
Many of the carriers on our lists are larger, national carriers with great consumer report ratings. The national carriers can drive their prices down due to their total volume of customers. They also have excellent financial stability and a track record of consumer trust to bank on. They’re reliable and less expensive.
However, a local carrier can feel friendlier and better informed on local circumstances so, as always, shop for yourself.
Geico and State Farm routinely hit the top of our lists for affordable car insurance companies in Connecticut. Ultimately, what’s ‘best’ may mean what fits your budget and needs. The same two insurance companies may swap being more expensive depending on something as small as what age of the driver is. The best bet for finding the best car insurance is to go digging yourself.
What if I’m Having Trouble Getting Insured?
If you’re having a hard time getting insurance for some reason, Connecticut has a program called the Connecticut Automobile Insurance Assigned Risk Plan which legally guarantees certain coverages. If you are having a difficult time with an insurance provider, ask about this program. In the same way that insurance is legally required of you, insurance companies are legally required to provide it.
Finding cheap car insurance in Connecticut is possible, but will vary based on a variety of factors unique to you. The best advice is to shop around, especially if you have a young driver on your insurance.
If you want more articles like this one, be sure to check out our other Car Insurance Guides and Resources.
- 1 Car Insurance and Connecticut
- 2 What to Know About Connecticut Drivers
- 3 Connecticut State Car Insurance Laws
- 4 What are the Penalties for not having Car Insurance in Connecticut?
- 5 Cheap Car Insurance in Connecticut
- 6 What is the Cheapest Car Insurance in Connecticut for Minimum Coverage?
- 7 What is the Cheapest Car Insurance in Connecticut for Full Coverage?
- 8 What is the Cheapest Car Insurance by City?
- 9 What are the Best Car Insurance Companies in Connecticut?
- 10 What if I’m Having Trouble Getting Insured?