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Cheap Auto Insurance in Connecticut: Best Companies & Quotes
The perks of living in Connecticut are numerous. It’s a lovely haven for many who work in the city but want to live in a more family-friendly community. It’s a beautiful location, but it’s not exactly cheap as far as cost of living is concerned. Even the cost of car insurance is above average, standing in line as the 12th most expensive location in which to insure your vehicle in the nation. The good news is car owners don’t necessarily have to pay the highest premiums available, but you must learn how to make the right choices, choose the right insurance, and how to keep your costs low. Working with Geico is one of the best ways to save on insurance according to premium information in the state, but that doesn’t mean your policy will be the cheapest if you go with this company.
The best way to find the cheapest car insurance in Connecticut is to find a company that has a great rate and compare it to two or three other companies with other great offers. Take a look at a list of car insurance companies. To further help your cause, you can try to implement a few different options to help lower the cost of your vehicle insurance in Connecticut.
Best Car Insurance Companies in Connecticut
- Liberty Mutual
- Amica Mutual
- State Farm
|Travelers||Allstate||Progressive||Liberty Mutual||Amica Mutual||State Farm|
|AM Best Financial Strength Rating||A++||A+||A+||A++||A+||A++|
|JD Power 2019 Overall Customer Satisfaction score||4.5/5||4/5||3/5||3/5||5/5||4/5|
|Avg Annual Premium||$1,113||$2,244||$1,775||$2,109||$1,066||$1,297|
|Consumer Reports Reader Score||90||88||87||88||89||78|
Auto Insurance Statistics in Connecticut
In Connecticut, drivers trying to obtain car insurance coverage may find that their car insurance was higher in previous years and appears to be on the rise again. According to the NAIC, car insurance rates in Connecticut appear to be getting higher than the national average in the most recent years.
Top 10 Cheapest Car Insurance Companies in Connecticut
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
Although the number of drunk driving fatalities in Connecticut appears to be improving, Connecticut still sees an average that is higher than the majority of states across the country. The data below shows the number of drunk driving fatalities in Connecticut compared with other states nationwide.
Drunk driving fatalities in Connecticut from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving can have serious consequences. It is important to be aware of the rate of teen drinking and driving in your state. In Connecticut, the teen drinking rate appears to be exceptionally higher than the national average.
Teen Drinking & Driving in Connecticut vs. Nationwide (2017)
SR-22 Insurance in Connecticut
As with many states in the US, Connecticut requires drivers to possess SR-22 insurance if they want to reinstate their license after a serious infraction or suspension. This is an insurance policy in which the insurance provider is required to notify the state DMV that you have coverage (or that you’ve cancelled it).
In Connecticut, you will need this coverage for three years. Additionally, you will need to ensure that it covers a few basic costs. It must include $10,000 of property damage coverage, $20,000 for individual injury coverage, and at least $40,000 for coverage of injury to multiple people. Make sure to check with state DMV officials to verify the most up-to-date information.
Car Theft in Connecticut
Learning about car theft in Connecticut can help you to be aware of what the risk factors are for automobile theft in your local area. In order to protect against vehicular theft, local drivers should consider getting a comprehensive car insurance policy. The data below shows how Connecticut ranks.
Vehicle thefts by rank Nationwide vs. Connecticut
Uninsured Motorists in Connecticut
Uninsured and underinsured motorist coverage provides protection in the event that damage is done to your vehicle or to your person and the other driver isn’t insured. Twenty different states in addition to The District of Columbia mandate this type of coverage.
Percentage of uninsured drivers and rank ( 2015)
Source: Insurance Information Institute
Consider Your Career
Believe it or not, where you work plays a large role in how much you pay for your car insurance. The insurance companies want to know what you do and how it affects your safety as a driver. If you work in a profession that’s more dangerous than others such as driving an Uber, which you made need additional rideshare insurance for, or commuting a long distance to work each day, your insurance company is going to charge you more because you’re on the road more often. It’s a distinction they make to help their own rates.
Pay Your Bills on Time
Your credit score affects your insurance premiums. If you have bad credit, you might want to stick with the company you already work with as a new company is going to run your score to determine your rates. Your existing company won’t since you already work with them, so they might not know your score has dropped since you began doing business. The best thing to do is keep your bills paid on time, don’t miss payments, and spend your time working with your finances to keep them on track.
Buy A Good Car
The size and safety of your car matters tremendously in the cost you pay for insurance premiums. If you drive a larger car, you’ll pay less for insurance. If your car is smaller, you’ll pay more for insurance since it’s not as likely to keep you safe behind the wheel. Be careful with your engine size, however. A larger engine is more expensive to insure than a smaller one. The other factor is the safety rating of your vehicle. The safer your car is, the more likely it is to drop your premiums.
Your Driving History
There’s nothing you can do now about the driving mistakes you made in the past, but there’s plenty you can do about the future. Drive safely, don’t get pulled over, and stay out of accidents. The more you have on your record, the higher your insurance premiums will rise in the future. Your driving record tells your insurance company how much you might cost them in the future and they will charge more if you’re a risky driver.
Finding the cheapest insurance in Connecticut isn’t difficult, but it’s a job that requires some work. You want to compare car insurance prices and rates, and you want to be sure you’re not settling for the cheapest policy when it’s not the most effective policy. Price is important, but the overall cost of what you pay out-of-pocket if something happens to your vehicle is even more important. It’s also a good idea to call your insurance company before you buy a new car to see what it might cost you to insure what’s on your short list.
Types of Auto Insurance Coverage in Connecticut:
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Bodily Injury Liability Insurance
- Property Damage Liability Insurance
- Comprehensive Insurance Coverage
Minimum Requirements For Car Insurance in Connecticut
There are minimum requirements for car insurance in the state of Connecticut. According to the Connecticut Department of Motor Vehicles, it is mandatory to have at least liability coverage as well as uninsured/underinsured motorist coverage.
Liability Coverage minimums for the state of Connecticut:
Uninsured/Underinsured driver coverage of $20,000 per person and $40,000 per accident
$10,000 for damage of property
$20,000 for death or injury per person involved in a traffic collision
$40,000 for death or injury per accident if multiple individuals are involved
Cheap Auto Insurance Discounts
Cheap Auto Insurance is here to help you save on your car insurance bill each month by finding the best deals around. One of the ways we have uncovered to save monthly on the cost of car insurance is by researching the available discounts. Some of the best car insurance discounts are listed below.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Connecticut Car Insurance
This section answers general questions about auto insurance in Connecticut. Use it to get a better idea of how insurance works in the state so that you can move on to more advanced questions.
What is no-fault auto insurance in Connecticut?
No-fault auto insurance means that your insurance company will pay benefits regardless of who caused an accident. That means you can’t be denied for coverage because you were at fault.
What does conversion mean on auto insurance in Connecticut?
Conversion coverage protects you from damage when the at-fault party doesn’t have enough insurance to cover your claim. It is only used if you have a very large claim.
What documents are required for car insurance in Connecticut?
That depends on the type of car insurance you’re looking to buy. You’ll need your driver’s license number, the license number of any drivers that will be on the policy, and the VIN number of the car.
How does auto insurance work in Connecticut?
Connecticut has higher required minimums than most states. You’re required to have $25,000 in body injury liability per person and $50,000 per accident. You also need $25,000 of property damage liability per accident.
How to get car insurance in Connecticut?
The best way to get car insurance in Connecticut is to use an insurance comparison tool to help you shop for the lowest rate. Once you’ve found the best policy and price, you can apply for coverage online.
What Is the most common auto insurance coverage in Connecticut?
The most common auto insurance coverage in Connecticut is the legal minimum required coverage. That means $25,000 per person in bodily injury liability, up to $50,000 per accident, and $25,000 for property damage protection.
Connecticut Car Insurance Laws
This section covers the questions you have about different car insurance laws in Connecticut. use it to understand what’s required in different car insurance situations.
What is minimum auto insurance coverage in Connecticut?
The minimum auto insurance coverage in Connecticut is $10,000 in bodily injury liability protection per person, minimum of $40,000 per accident. You also need property damage protection at a $25,000 minimum. For an auto liability insurance only quote complete our form above.
What auto insurance do I need in Connecticut?
You need two types of auto insurance in Connecticut. The first is property damage protection. The minimum requirement is $25,000 in protection. You also need bodily injury liability coverage at a minimum limit of $25,000 per person and $50,000 per accident. Be sure to do a car insurance comparison to secure the top rates.
If you take insurance off a car how long does it take to be unregistered in Connecticut?
There’s no set time period for getting your car unregistered if you take it off insurance in Connecticut. The company reports the situation to the state, and the state will take action.
How long before Connecticut finds out about car insurance lapse?
Connecticut doesn’t publish information about how long it takes them to find out about an insurance lapse. The company has the responsibility to report to the state, so it depends on the company. If you need new insurance then you can simply buy online car insurance right now through our form.
Do I need to inform Connecticut state when cancelling or changing auto insurance?
You do not need to inform the state that you’re canceling or changing auto insurance. The insurance companies will file the necessary reports with the state for you.
What are the insurance requirements for a leased car in Connecticut?
The state doesn’t have any specific requirements for leased cars. However, dealerships usually require you to carry full or comprehensive coverage so the car itself is protected in case of an accident. Related: Is a 500 deductible good for car insurance?
How long do you have to get auto insurance Connecticut?
You need to verify that you have at least the minimum required insurance when you register your car. Your car must be registered within 30 days of establishing residency in the state. If the need for coverage is more immediate then consider getting instant auto insurance by completing the form above.
In Connecticut, when am I required to carry commercial auto insurance?
If you use your car to transport people or pick up or deliver goods for business, then you should have commercial auto insurance. This will ensure you’re covered if you get into an accident no matter what you were doing at the time.
What is the penalty in Connecticut for not carrying car insurance?
The first offense carries a $35 fine for not carrying proof of insurance, $500 for a car owner and $100-$1,000 for the operator if you drive uninsured, and a $200 civil penalty for failing to maintain insurance.
What are insurance laws when storing a car in Connecticut?
You’ll need to return your license plates to any DMV and request they be placed on hold. Then you can drop all insurance coverage on the vehicle. If you’re storing it because you’re deploying with the military then you probably qualify for military auto insurance discounts.
What is the law in Connecticut car insurance dropping your policy?
When you drop your policy, the company informs the state. Then, you’ll receive a warning notice in the mail that lets you enter into a consent agreement, obtain insurance, and pay a $200 fine.
What are Connecticut laws for car insurance when stationed out of state on active military duty?
The laws that apply to other residents for car insurance also apply to active duty military personnel. You can turn your plates into a DMV and drop all coverage while your car isn’t being used.
Is car inspection required when I switch car insurance to state of Connecticut?
The inspection isn’t required for your insurance, but it is required for registration. You’ll need to get a Vehicle Inspection Report when you get an emissions test or VIN Verification.
What Is considered full coverage auto insurance in Connecticut?
Full coverage is defined as the state minimum coverage. That means $25,000 per person up to $50,000 per accident for bodily injury and $25,000 for property damage. If this is the coverage you’re looking for then you can simply type in cheap full coverage insurance near me in a search engine or fill out our quote form.
For auto insurance, how long does a suspension stay on your record in Connecticut?
Connecticut traffic violations stay on your record for 24 months in Connecticut. However, your insurance company may have access to records other than official state records.
How long does Connecticut law allow for car insurance payouts?
Connecticut allows you to take 2-3 years to file a lawsuit after a car accident depending on the type of injury you’re reporting and the level of fault you’re accusing.
When do you have to get car insurance on your teen in Connecticut?
While every policy is different, most insurance policies will cover a student driver that you’re in the car with. However, your teen will need to be added to your insurance policy once they get their license.
What happens if you don't have car insurance in Connecticut?
If you don’t have car insurance in Connecticut, then you’ll face a $500 fine for being the owner of the car and a $100-$1,000 fine for being the operator of the car.
Do I need SR22 insurance in Connecticut?
If you were convicted of a DUI then you probably need at least non owner sr22 insurance to drive any vehicle. However its best to consult with a legal advisor or local insurance agent on this.
Connecticut Car Insurance Prices
Lots of people have questions about how to get the best price on car insurance in Connecticut. This section answers questions about auto insurance prices.
How to get cheap car insurance in Connecticut?
The best way to get low cost car insurance in Connecticut is to take advantage of any discount programs your insurance company offers. One of the best ways to lower the cost of your insurance is to take a driving class or defensive driving class.
How much is car insurance in Connecticut for a new driver?
Teen drivers will pay an average of $438 per month if they’re on their own policy and $278 if they’re on their parent’s plan. New drivers can also usually get discounts for good grades. Related: What is the average car insurance for 18 year old driver?
How much is car insurance in Connecticut per month?
The average per month cost of car insurance in Connecticut is about $89 per month. The average annual cost of car insurance in Connecticut is $1048.59. Sometimes local auto insurance companies can offer the best rates.
Where is the best car insurance companies in Connecticut?
That depends on what you’re looking for. If you’re looking for minimum coverage, then Travelers is the best bet, with an average of $56 per month. Low mileage drivers get the best deal from State Farm at $104 per month, and drivers with poor credit will get the best rates with Travelers at $193 per month. We also talk about the best classic car insurance companies in another article.
How much is car insurance for a 16-year-old boy in Connecticut?
The average car insurance for a 16-year-old is $438 if they’re on their own policy. The cost goes down to $278 for a 16-year-old on his parent’s policy.
How many points do you have to get on your license in Connecticut before your car insurance goes up?
There’s no fixed number of points you can get before your car insurance goes up in Connecticut. The more points you accumulate, the more your rates will increase. Connecticut points stay on your record for 24 months.
What is the average Connecticut car insurance?
The average cost of Connecticut car insurance is $1,048.59 per year. This number includes all types of car insurance from the minimum legally required on up. Compare this to the average cost of car insurance in other states.
How much will be the car insurance cost in Connecticut if I just got my license?
That depends on several factors like your age, credit score, and what car you’re driving. Generally, new adult drivers should expect to pay around $285 per month in Connecticut. Some people will opt for temporary auto insurance until they’re ready to commit to a longer term policy. Visitors have also asked us about cheap insurance no license options.
What are the best car insurance companies in Connecticut?
The best car insurance company in Connecticut depends on what you’re looking for. Travelers is the best option for people in many categories, including minimum coverage only, poor credit history, and good drivers. State Farm is the cheapest option for low mileage drivers. When you talk to them see if they can offer you no down payment car insurance.
What is the cheapest car insurance for a 22-year-old woman in Connecticut?
Everyone’s driving history is different, but all things being equal, Progressive tends to offer the best average rates for 22-year old women in Connecticut with an average annual rate of $985. Learn more about how to find the cheapest car insurance.
What is the average cost of auto insurance for a 19-year-old male in Connecticut?
The average cost for auto insurance for someone aged 16-20 in Connecticut is $458 if they’re on their own policy. You can lower this cost by getting good grades and choosing a car that’s cheaper to insure. Check out the cheapest vehicles to insure.
In Connecticut, what is the top-rated insurance company for cars?
By market share, the top-rated companies in Connecticut are USAA, Safeco Insurance, Nationwide, and Amica Mutual Insurance company.
Who has the lowest car insurance rates in Connecticut?
The company with the best rate depends on lots of different factors involving you, your driving record, and car. For most people in Connecticut, Traveler’s offers the best rates. They’re usually about $200 under the state average. Look for discounts such as safe drivers or seniors car insurance.
How is Connecticut rated for auto insurance?
Connecticut is rated as one of the more expensive states for car insurance. It is about $200 annually over the national average.
How much is motorcycle insurance for a teenager?
When you get a motorcycle insurance quote for a teenager expect it to be expensive. In fact expect to pay at least $1500 per year for teen motorcycle insurance.
Connecticut Car Insurance Claims and Coverage
Insurance claims and coverage can be confusing. This section covers your questions about insurance claims and coverage in Connecticut.
In Connecticut, whose insurance covers when driving someone else’s car?
That depends on the specific nature of the policies involved. Generally, liability insurance follows the driver while comprehensive damage coverage will follow the car.
Why can someone sue you for a car accident if you have insurance in Connecticut?
They can sue you because the accident involved you and not your insurance company. Your insurance company will likely provide legal defense for you and will cover any judgement against you up to your policy limit.
How do insurance companies value a stolen car in Connecticut?
Insurance companies use the Actual Cash Value of your car if it’s stolen. That’s the amount of money someone would reasonably pay for the car. This value will probably be less than the replacement cost of the car.
Who provides non-owner car insurance in Connecticut?
State Farm, Progressive, Geico, and Travelers will all offer non-owner car insurance in Connecticut in specific situations. You’ll need to contact the specific companies to get details about their policies.
In Connecticut, how much does car insurance pay for injury?
That depends on what the insurance policy’s limit was. Insurance companies will only pay out up to the limit described in the policy. In Connecticut, the minimum bodily injury coverage is $25,000 per person.
In Connecticut, when car is totaled, does insurance pay the cost of the car or cost of repair?
The standard procedure is to pay up to 75% of the actual cash value of the car, rather than the cost of repairs. That’s because the maximum a company will pay for repairs is usually around 75% of its ACV.
Other Connecticut Car Insurance Questions
There are lots of different questions about Connecticut insurance, and some of them don’t fit into our other categories. You’ll find those questions here.
What to do if you have a problem with an auto insurance claim in Connecticut?
The best thing to do is talk to a lawyer if you have a problem with your auto insurance claim in Connecticut. An attorney will be able to tell you what your options are for your specific case.
What to do in Connecticut if sued by car insurance company?
If you’re sued by a car insurance company in Connecticut then the best option for you is to talk to a lawyer. These cases can be very complicated and an attorney can help you understand your options.
My car is registered in Connecticut but I’m working in Massachusetts where do I get my insurance?
You should get your insurance from Connecticut. That’s where your car is registered and that’s where it will be stored when you’re not driving it.
When can I cancel car insurance in Connecticut?
You can cancel your car insurance in Connecticut after you’ve turned in your license plates. This will prevent you from begin fined for failure to carry insurance.
How to report auto insurance fraud in Connecticut?
You should report your case to the Connecticut Insurance Department. They’ll investigate claims of auto insurance fraud and hand the case to the relevant authorities. Related: What insurance companies cover salvage titles?
How do cops check auto insurance in Connecticut?
The police check a database the state keeps to see if you have auto insurance in Connecticut. Your insurance company will report policy terminations and policy start-ups to the state to update the database.