Cheap Connecticut Car Insurance Quotes
Compare and Buy Auto Insurance in CT for 2024
| Companies | Name | Quotes |
|---|---|---|
 |
Geico Insurance | $85 /mo |
 |
The General Insurance | $96 /mo |
 |
Travelers | $132 /mo |
 |
Progressive | $149 /mo |
 |
Allstate | $178 /mo |
How to Get Cheap Car Insurance in Connecticut?
Connecticut is popular for its 40,000 miles roadway that includes casinos, castles, and beaches. The car insurance cost in Connecticut is not much expensive as compared to other states still it is not easy to afford for every driver. The average cost of car insurance in Connecticut is higher than the average earnings of drivers in the state.
Hence RateForce has the list of top car insurance companies that you can consider for cheap car insurance quotes in Connecticut:
Which are the Best Car Insurance Companies in CT?
There is a huge difference between best and cheap policies. If you need insurance just for the sake of it then you can go for a cheap one. But if you are looking for a policy that you can rely on then you need to select the best company for you. For all the drivers who believe that the best policies are better than cheap car insurance policies; we have the perfect list for you.
Check out all the top car insurance carriers in Connecticut that provide the best policies as per your requirements:
| Companies | Name | Quotes |
|---|---|---|
|
Geico Insurance | $85 /mo |
 |
The General Insurance | $96 /mo |
|
Travelers | $132 /mo |
|
Progressive | $149 /mo |
|
Allstate | $178 /mo |
How To Get Best Car Insurance Coverage in Connecticut?
Minimum Car Insurance Requirements in Connecticut
Each and every state of the USA has a set of laws and requirements related to auto insurance. And it is mandatory for each driver, if you want to drive or park your vehicle on the state’s road then you will have to follow the requirements and limitations. The same goes for Connecticut; there are certain auto insurance liability requirements that every driver has to follow. Below are details of minimum CT car insurance requirements:
- Bodily Injury Liability (BIL) Coverage:
Bodily injury liability coverage or BIL is required in every state of the country. If you are at fault in an accident then you will be responsible for the medical expenses of the victim. As a result; your insurance company will pay for the treatment of other drivers, passengers, or pedestrians.
$25,000 per person; In case only the other driver or single pedestrian got injured or died in that accident.
$50,000 per accident; in case there were other passengers in the car or more than one pedestrian got harmed in that accident. - Property Damage Liability (PDL) Coverage:
Let us say you hit another car in an accident or in order to save a duck on the road your car collides with the private property of another person. It can be the fencing, wall, door, or even garden benches. Now you will be responsible for all the repairing costs of the damages. And your insurance company will get the liability.
In Connecticut, property damage liability coverage is a bit higher as compared to other states; $25,000 per accident.
On the other hand, the PDL coverage limit is $15,000 in most of the states and $10,000 in states like Minnesota. - Uninsured/Underinsured motorist coverage:
What if you get into an accident and the driver who is at fault does not have enough insurance to cover your expenses? Let’s say you get a medical bill of $25,000 but as per the state’s minimum requirement, the driver has a limit of $12000. Then who will pay for the rest of the balance? Your insurance company will handle the rest of the expenses.
In Connecticut; the minimum liability coverage is $25,000 per person and $50,000 per accident for this category.
Cheap Minimum Liability Car Insurance Companies in Connecticut
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Connecticut:
- Travelers: $85 per month
- StateFarm: $92 per month
- Nationwide: $98 per month
- Progressive: $104 per month
- GEICO: $112 per month
Cheap Basic Full Insurance Coverage in Connecticut
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in CT. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Allstate: $145 per month
- Nationwide: $152 per month
- Progressive: $163 per month
- GEICO: $184 per month
- StateFarm: $196 per month
Cheap Premium Full Insurance Coverage in Connecticut
Here is the list of top auto insurance carriers that provide the cheapest full coverage in CT. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Allstate: $196 per month
- Nationwide: $209 per month
- Progressive: $223 per month
- GEICO: $244 per month
- StateFarm: $267 per month
Additional Auto Insurance Coverage in Connecticut
The mandatory insurance coverage for all drivers is included in the minimum requirement coverage. However, there are some insurance coverages that are not required but are still necessary to save money. The top seven types of insurance coverages that every driver should think about are as follows:
- Collision Coverage:
Collision insurance covers your vehicle in the event that it collides with another object, living or non-living. If your car collides with a tree, fence, building, or pedestrian, for example. Your insurance company will cover all car repair costs in such cases. - Comprehensive Coverage:
If your car is ever involved in a natural or man-made disaster, your insurance company will help you. Thunderstorms, fires, floods, and even vandalism are all possibilities. In the event of a disaster, you will be fully covered for all necessary car repairs. - Roadside Assistance:
What will you do if your car breaks down while travelling on a highway or a deserted road? You can contact your insurance company, and they will send help right away. The insurance company will cover all costs associated with towing and repairing the vehicle. - Medical/Funeral Services:
This type of insurance is necessary for medical services such as summoning an ambulance or transporting a deceased person. Furthermore, the company will pay for the driver’s funeral and will cover all expenses. - Loan/Lease Payoff:
When your car is totaled in an accident, this type of insurance coverage is essential. If you still owe money on a loan or lease, your insurance company will assist you in repaying it. The pending loan or lease amount will be paid by the company. - Rental Car Reimbursement:
This is an optional type that is not overly costly and can cost hundreds of dollars. You can rent another car while your car is being repaired. And the insurance company will cover all of the costs of renting a car. - Personal Injury Protection (PIP):
This type of coverage is necessary to support you in paying all medical bills for your injuries. Despite the fact that who was at fault in that accident your insurance company will cover your medical bills. This also includes lost wages and household replacement services till the time you are in bed.
Cheap Car Insurance Quotes in Connecticut on Ticket Profile
Do you know how insurance companies calculate the cost of your policy? Do you know each driver gets a unique quote for car insurance?
Yes, every car insurance company considers multiple factors to calculate the final cost of insurance for every driver. These factors can be the age of the driver, the location, car model, experience of the road, etc. This is the reason that insurance costs can vary for each driver.
Now based on these factors there are some ticket profiles that are created to categorize the drivers. These drivers get the highest or lowest insurance costs. Below is the list of all the different types of car insurance ticket profiles in Connecticut state:
Cheap Car Insurance for Speeding Drivers in Connecticut
Every year thousands of people die in our country because of speeding vehicles. In the year 2022 itself, over 12,100 people died in road accidents because of speedy vehicles. Drivers with speeding tickets are potentially risky for everyone. Insurance companies consider drivers with too many speeding tickets as risky and hence they get higher insurance rates. We have curated a list of all the best car insurance companies in Connecticut that provides affordable policies to the drivers of this category:
| Insurance Company | Quote |
|---|---|
| GEICO | $65 /mo |
| State Farm | $82 /mo |
| Travelers | $98 /mo |
| Progressive | $117 /mo |
| Allstate | $149 /mo |
| Insurance Company | Quote |
|---|---|
| Travelers | $109 /mo |
| GEICO | $121 /mo |
| State Farm | $147 /mo |
| Allstate | $166 /mo |
| Nationwide | $192 /mo |
Cheap Connecticut Car Insurance Rates for Drivers with an At-Fault Accident
In 2018, Almost 300 people in Connecticut died in traffic accidents. Now the drivers that were responsible for the accident will be considered as risky drivers by all the insurance companies.
Some of the insurance companies might even deny providing them insurance coverage. There is an option for accident forgiveness but the results are not guaranteed. Here is the list of all the top car insurance companies in Connecticut that provides affordable policy to at-fault drivers:
Cheapest Car Insurance for Drivers with a DUI in Connecticut
Drivers that have DUI on their records are considered as one of the riskiest ones as driving under the influence is dangerous for the driver and others. DUI includes driving under the influence of alcohol, drugs, or any other thing that can affect your brains and hence can affect your driving.
Here is the list of auto insurance companies in CT that provides affordable rates to DUI drivers:
| Insurance Company | Quote |
|---|---|
| Liberty Mutual | $126 /mo |
| Nationwide | $148 /mo |
| Progressive | $177 /mo |
| State Farm | $201 /mo |
| USAA | $104* /mo |
(*USAA only available to current and former military members and their families.)
| Insurance Company | Quote |
|---|---|
| Nationwide | $151 /mo |
| GEICO | $178 /mo |
| Travelers | $203 /mo |
| Progressive | $237 /mo |
| Allstate | $261 /mo |
Cheap Car Insurance for Young Drivers in CT
In 2018 more than 200 people died in car crashes that were caused by distracted teen drivers. Teen or young drivers were also considered as high risk ones because of their lack of experience and skills required to drive the car safely. This is the reason they get the highest car insurance rates as compared to other ticket profiles. One option is to try for a student discount if you have a grade point of B or higher.
Here we have the list of top car insurance companies in Connecticut that can provide cheap rates to Young drivers:
Best Auto Insurance for Good Drivers in CT
Maintaining a clean driving record can be fruitful for the drivers in the long run. If you have a clean driving record without any DUIs or tickets or At-fault accidents then your insurance rates will be lower than all the other ticket profiles. These drivers can combine these rates with other discount types and get much lower car insurance premiums.
Our experts have curated a list of top car insurance companies in Connecticut that provides the cheapest rates to good drivers.
| Insurance Company | Quote |
|---|---|
| GAINSCO | $56 /mo |
| GEICO | $62 /mo |
| Nationwide | $69 /mo |
| Allstate | $74 /mo |
| USAA* | $49* /mo |
(*USAA only available to current and former military members and their families.)
| Insurance Company | Quote |
|---|---|
| Travelers | $125 /mo |
| GEICO | $153 /mo |
| Nationwide | $184 /mo |
| Allstate | $213 /mo |
| USAA | $94* /mo |
(*USAA only available to current and former military members and their families.)
Cheapest Coverage for Drivers with Poor Credit in Connecticut
The government of our country has banned insurance companies from considering credit scores as a factor for calculating car insurance rates. Still, a credit score affects the cost indirectly. Insurance companies consider drivers with a poor credit score as less reliable and responsible to pay the premium on time. As a result they provide higher insurance rates to these drivers. If you are finding it difficult to get affordable car insurance rates because of your credit score then below are some companies that you can try:
Which Car Insurance Discounts are available in Connecticut?
The easiest way to get affordable car insurance in Connecticut is to get as many discounts as possible. Every company provides different types of discounts for car drivers. Here are the four most common discounts you can ask from any car insurance company:
Upfront Payment Discount:
Your insurance company will give you a good discount if you pay your annual premium in advance. Advance payment is preferred by every car insurance company. They reward the driver in order to promote this payment model. As a result, if you are financially capable of paying the annual premium in advance, you will receive a significant discount.
Safety Features Discount:
The driver, passengers, and the vehicle are all safer thanks to the safety features in the cars. As a result, the likelihood of accidents and injuries decreases, resulting in the driver filing fewer claims. You can get this discount if your car has features like automatic seat belts, anti-theft car alarms, and so on.
Multiple Vehicles Discount:
Do you own multiple vehicles and require coverage for all of them? Then your insurance company will try to persuade you to buy a policy from them for all of your vehicles. As a result, they will offer reasonable discounted rates; be sure to haggle as much as possible for this discount.
Multiple Policy Discount:
If you already have a car insurance policy and need additional coverage, you may qualify for this type of discount. It could be homeowner’s insurance, life insurance, or any other type of coverage. Your insurance company will try to persuade you to purchase all of your policies from them. As a result, you will receive substantial discounts.
SR-22 Car Insurance in Connecticut State
When was the last time you searched about SR-22 insurance? If it is recently then we are sure you know the importance and cost of SR-22 in any state. SR-22 Stands for safety responsibility-22 insurance that is mandatory for the drivers that have suspended licenses. The response for the suspension can be anything from more than one speeding ticket to Too many DUIs or even traveling without insurance.
The process of applying for SR-22 insurance is not expensive or complex but the cost of buying SR-22 insurance is just the opposite. You will be considered as the riskiest driver and hence will get the highest auto insurance cost. Below is the list of all the auto insurance companies that provides the most affordable rates for drivers that need SR-22 insurance in Connecticut:
| Company | Average Annual Rate | Annual Average Premium with SR-22 and DUI |
|---|---|---|
| Travelers | $761 | $912 |
| GEICO | $809 | $938 |
| State Farm | $847 | $968 |
| Nationwide | $883 | $997 |
| Allstate | $911 | $1,104 |
Best Cities for Cheap Car Insurance in Connecticut
There are a lot of different factors that affect the car insurance cost for each driver. The most important factor is the location; state, city, and even the area where you live affect the cost of your insurance policy. Your car insurance company in Connecticut will check the conditions of the road, crime rate, and even the type of people that are living in your area. Based on that you will get the final quotation. Here is the list of all the major cities of Connecticut along with the average car insurance rates to help you understand the impact of location:
| City | Avg. Annual Premium |
|---|---|
| Bridgeport | $1,102 |
| New Haven | $1,250 |
| Waterbury | $1,348 |
| Hartford | $1,469 |
| Stamford | $1,497 |
| Shelton | $1,508 |
| Norwalk | $1,524 |
| New Britain | $1,549 |
| West Hartford | $1,577 |
| Danbury | $1,596 |
FAQs About Car Insurance In Connecticut
How much is car insurance in CT per month?
The average car insurance cost in CT per month is $83 per month or $996 per year. This amount is almost 40 percent lower than the national average cost for car insurance.
What is the reason for the expensive rates of car insurance in Connecticut?
One of the most important reasons for expensive car insurance in the state of Connecticut is the higher population rates. The number of vehicles is more and hence the chances of road accidents are higher.
Is PIP mandatory in Connecticut?
No, personal injury protection is not mandatory and does not come under the minimum requirement of the state.
Can you insure a vehicle without registering it in Connecticut?
No. You are not allowed to register your car without buying the insurance first in Connecticut. You will be asked to provide proof of insurance at the time of vehicle registration.
How many days do you get as a grace period to buy the insurance of a new car after purchase in Connecticut?
The car insurance grace period in CT is 2 to 30 days for any type of car. Every driver is required to buy the policy within this period of time. A late fee of $10 for 5 days will be applied after the expiration date.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.