Average Cost of Auto Insurance in Connecticut (2021 rate)

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Connecticut has seen an unusual phenomenon recently – there has been a 50% drop in traffic in the state since the onset of the coronavirus pandemic, but the number of road fatalities has increased significantly. For the many vehicle owners who drive less and work more from home, caution and quality auto insurance are essential. If you are a Connecticut driver looking for auto insurance, the average cost for auto insurance in Connecticut is $ 794 for minimum insurance and $ 1,845 for full coverage.

How Much Does Auto Insurance Cost in Connecticut?

Auto insurance rates in Connecticut vary depending on many factors, such as your driving record, the type of coverage you are looking for, your age and vehicle, and the carrier you choose. State insurance requirements can also affect the cost of coverage.

While average auto insurance rates can give you an idea of ​​what to expect, to get a more accurate amount for you, you will need to get quotes from a few auto insurance companies. One thing is for sure: Connecticut auto insurance rates are typically higher than the national average of $ 565 / $ 1,674 per year for minimum and full coverage, respectively. Finding cheap auto insurance in a high cost state like Connecticut can be a bit trickier than in other places.

Connecticut Auto Insurance Rates By Company

To demonstrate how Connecticut auto insurance rates can vary, consider the average cost of coverage from multiple insurance providers below. The same level of coverage can range from several hundred to several thousand dollars. Switching to auto insurance to save money on your premiums might be a smart move, or you might find that your carrier offers more reasonable rates than you think.

Auto insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $ 804 $ 2,017
American Independent $ 1,739 $ 5,042
Amica $ 430 $ 1,216
Electrical insurance company $ 890 $ 1,535
Geico $ 427 $ 1,071
MetLife $ 1,176 $ 2,097
At national scale $ 631 $ 1,280
Progressive $ 1,083 $ 2,573
State farm $ 618 $ 1,477
Hanover $ 1,569 $ 3,867
United States $ 472 $ 1,264

Connecticut auto insurance rates by city

Insurance rates in Connecticut are also different depending on your city. Bankrate collected auto insurance quotes for the top 20 cities by population. Of these cities, Manchester residents pay the least for coverage, while Hartford drivers have the highest Connecticut auto insurance premiums (on average).

City Average annual premium for full coverage % increase in average annual premium
Bridgeport $ 2,364 28%
New Havre $ 2,324 26%
Hartford $ 2,395 30%
Stamford $ 1,938 5%
Waterbury $ 2,236 21%
Norwalk $ 1,841 0%
Danbury $ 1,927 4%
New Britain $ 2,022 ten%
Hartford West $ 1,957 6%
Hamden $ 2,114 15%
Meriden $ 1,853 0%
Bristol $ 1,795 -3%
Manchester $ 1,785 -3%
West Haven $ 2,148 16%
Fairfield $ 1,946 5%
Stratford $ 1,975 7%
Hartford East $ 1,967 7%
Milford $ 2,041 11%
Middletown $ 1,799 -2%
Shelton $ 1,901 3%

Connecticut Auto Insurance Rates by Age

The age of the driver is another major factor that affects the cost of auto insurance in the state. If you refer to the table, the highest premiums are predictably reserved for teenagers and young drivers. Although Connecticut has restrictions for teenage drivers, such as limited driving hours and driving accompanied by an adult, insurance companies still consider drivers under 25 to be high risk. As a result, young drivers often pay more for their auto insurance. Rates typically hit a low around age 60 and start to rise for older drivers.

* 16 years calculated on the disclosure of the parents’ policy

Connecticut Auto Insurance Rates by Driving Record

Age won’t matter as much if you have a bad driving record. While it’s well known that safer drivers pay less for auto insurance, some people don’t realize that speeding tickets can also dramatically increase your insurance rates, even if no accidents or driving in. drunkenness was not involved. The recent increase in the number of vehicle fatalities (even though traffic is down 50%) is mainly due to speeding. As highways have become less congested, some drivers do not obey the speed limit, causing fatal crashes. Auto insurance companies are well aware of the increased risk of accidents when drivers accelerate.

Driving incident Connecticut Average Annual Full Coverage Premium % increase in average annual premium
Speeding $ 2,098 12%
Accident $ 2,606 29%
DUI $ 3,426 46%

How To Save On Auto Insurance In Connecticut

Connecticut auto insurance rates are higher than average. Finding savings in any way you can could take the strain off your budget. Consider the following ways to save on Connecticut auto insurance:

  • Choose a carrier with accident forgiveness: Some auto insurance companies offer an accident discount, which waives an accident every three to five years. This could prevent your premiums from increasing if you were to provoke an occasional fender-bender.
  • Take a defensive driving course: The state provides a list of available defensive driving courses. If you pass one, you could receive at least 5% off your auto insurance for two years.
  • Combine home and vehicle insurance: If you are a renter or a homeowner and have insurance coverage, adding auto insurance from the same provider could provide you with net savings on both types of coverage.
  • Increase your deductible: The amount of your vehicle’s deductible is the amount you must pay before your insurance company pays the balance of the claim. A typical deductible is $ 500. Raising it to $ 1,000 or more could help lower your auto insurance premiums.

Frequently Asked Questions

How Much Does Auto Insurance Cost in Connecticut Per Month?

Based on the average cost of auto insurance in Connecticut of $ 794 for minimum insurance and $ 1,845 for full coverage, your monthly premiums would be around $ 66 or $ 154. Keep in mind that your actual premium may differ from the average. You may want to consider speaking with a licensed insurance agent to help you find coverage that fits your budget.

How Much Car Insurance Do I Need in Connecticut?

To legally drive in the state, you will need a minimum amount of liability coverage of 25/50/25 and uninsured / underinsured coverage as follows:

  • Liability insurance for bodily injury: $ 25,000 per person and $ 50,000 per accident
  • Liability insurance for property damage: $ 25,000 per accident
  • Personal injury to uninsured / underinsured motorists: $ 25,000 per person and $ 50,000 per accident

Keep in mind that the state’s minimum requirement may not provide sufficient financial protection if you are involved in an accident. Liability insurance only pays others for the injuries and damages you cause, up to the amount of your coverage. You would be personally liable for any damage to your vehicle or any third party expenses in excess of the limit. Again, talking to a licensed insurance agent is usually a good approach to make sure you have the coverage you need.

What are the cheapest auto insurance companies in Connecticut?

Bankrate’s analysis of the state’s major insurance companies found that Connecticut’s cheapest auto insurance is available from USAA, State Farm, Geico, Amica, and Nationwide. USAA is only available to the military and immediate family members, but all other carriers provide coverage to most residents of the state. There might be other providers who offer cheap insurance near you, so it’s a good idea to shop around and compare providers before purchasing a policy.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 in civil liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.


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