Connecticut Car Insurance Quotes & Average Rates

Full coverage car insurance in Connecticut is estimated at $1,942 a year, or $162 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $878 a year. Connecticut is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 65 Connecticut cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — Connecticut

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$162/ month

$1,942 per year · carriers in Connecticut typically quote $1,379 – $2,680

See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Connecticut

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,476	$123	-24%	Military members and families only
Geico	$1,592	$133	-18%	Usually cheapest for clean records
State Farm	$1,709	$142	-12%	Strong for young and student drivers
Progressive	$1,845	$154	-5%	Competitive after a ticket or accident
Travelers	$1,884	$157	-3%	Good multi-policy discounts
Nationwide	$1,942	$162	0%	Mid-market, wide availability
Allstate	$2,214	$185	+14%	Higher base rate, heavy discount stacking
Farmers	$2,350	$196	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Connecticut. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Connecticut car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$5,245	$2,373	$437
18 years old	$4,424	$2,002	$369
20 years old	$3,664	$1,657	$305
22 years old	$3,043	$1,377	$254
25 years old	$2,322	$1,051	$194
30 years old	$2,002	$906	$167
40 years old	$1,882	$851	$157
50 years old	$1,802	$815	$150
60 years old	$1,782	$806	$148
65 years old	$1,862	$842	$155
70 years old	$2,042	$924	$170
75 years old	$2,382	$1,078	$199

Estimated premiums by age in Connecticut, clean record, sedan.

How violations change your Connecticut premium

Driving record	Est. annual	Increase
Clean record	$1,942	—
1 speeding ticket	$2,389	+23%
1 at-fault accident	$2,855	+47%
DUI / DWI	$3,670	+89%

What a violation costs a 35-year-old in Connecticut. Surcharges normally stay on the policy for three to five years.

A DUI in Connecticut usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

Connecticut minimum insurance requirements

Required coverage in Connecticut	Minimum limit
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability	$25,000
Uninsured/underinsured motorist 25/50	Required
Insurance system	At-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the Connecticut Department of Insurance before you buy.

Coverage levels in Connecticut

Coverage level	Est. annual	Est. monthly
State minimum liability	$878	$73
Full coverage (100/300/100 + comp & collision)	$1,942	$162
Full coverage, high limits + low deductible	$2,311	$193

Coverage level comparison for Connecticut.

Car insurance rates in Connecticut cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 65 Connecticut cities we price.

Bridgeport$2,037 New Haven$2,037 Stamford$2,037 North Stamford$2,037 Hartford$2,037 Waterbury$2,037 Norwalk$2,037 Danbury$2,037 East Norwalk$2,037 New Britain$2,037 West Hartford$2,037 Bristol$2,037 Meriden$1,915 Hamden$1,915 Fairfield$1,915 West Haven$1,915 Milford$1,915 Stratford$1,915 City of Milford (balance)$1,915 East Hartford$1,915 Middletown$1,915 Enfield$1,915 Southington$1,915 Shelton$1,915 Norwich$1,915 Trumbull$1,915 West Torrington$1,915 Torrington$1,915 Glastonbury$1,915 Naugatuck$1,915 Manchester$1,915 Newington$1,915 Cheshire$1,813 Branford$1,813 East Haven$1,813 Windsor$1,813 New London$1,813 Wethersfield$1,813 Mansfield City$1,813 Westport$1,813 Farmington$1,813 South Windsor$1,813 North Haven$1,813 Windham$1,813 Guilford$1,813 Bloomfield$1,813 Darien$1,813 Montville Center$1,813 Southbury$1,813 New Canaan$1,813 Waterford$1,813 Madison$1,813 Avon$1,813 Ansonia$1,813 Wallingford Center$1,813 Wilton$1,813 Willimantic$1,813 Wallingford$1,813 Plainville$1,813 Killingly Center$1,813 Wolcott$1,813 Seymour$1,813 Plainfield$1,813 Storrs$1,813 Ledyard$1,813

Frequently asked questions

▸How much is car insurance in Connecticut?

Full coverage in Connecticut is estimated at $1,942 a year, or $162 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $878 a year.

▸What car insurance is required in Connecticut?

Connecticut requires $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage, plus uninsured/underinsured motorist 25/50.

▸Is Connecticut a no-fault state?

No. Connecticut is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.

▸Which Connecticut city has the cheapest car insurance?

Of the 65 Connecticut cities we price, Ledyard carries the lowest estimate at $1,813 a year, while Bridgeport is highest at $2,037. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in Connecticut?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.