- Connecticut is the ninth-most expensive state for car insurance premiums, with drivers paying an average $1,168 annually.
- Shopping around for your auto insurance coverage is the best way to save, and to get the best coverage for your money.
- Customers tend to have the highest levels of satisfaction with Amica, State Farm, and GEICO.
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Connecticut is ranked the ninth-most expensive state for car insurance, according to the Insurance Information Institute, with the average driver spending about $1,168.33 per year on premiums.
Car insurance companies consider your location, age, gender, and driving record to calculate rates. Other factors like credit score, marital status, vehicle type, previous coverage, and miles driven can all play a role in the amount you'll pay for coverage.
Connecticut drivers have a big opportunity to save if they're willing to shop around. Here are a few to help you start your search.
The most popular car insurance companies in Connecticut based on market share
The following are the most popular car insurance companies in Connecticut, based on the percentage of insured Connecticut drivers who use them:
| Company | Market share (%) |
| GEICO | 18.44 |
| Progressive | 11.27 |
| Allstate | 9.72 |
| Liberty Mutual | 8.41 |
| State Farm | 7.1 |
| Travelers | 5.71 |
| USAA* | 4.77 |
| MetLife | 3.74 |
| Amica | 3.61 |
| Nationwide | 3.3 |
| The Hartford | 3.08 |
| CSAA Insurance | 2.28 |
| The Hanover Insurance Group | 1.92 |
| Farmers | 1.85 |
| National General | 1.85 |
| American Family | 1.67 |
| Chubb | 1.62 |
| MAPFRE | 1.49 |
| Plymouth Rock | 0.96 |
| Kemper | 0.84 |
| Utica National Insurance | 0.7 |
| Arbella Insurance | 0.7 |
*USAA is only for active military, veterans, and their families.
Data from S&P Global Intelligence
The best car insurance in Connecticut based on customer satisfaction
Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the New England region (which includes Connecticut):
The best cheap car insurance in Connecticut based on credit score
Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state, and found that three companies came out on top for three different credit levels. Here are the best companies and their average price for coverage:
| Excellent credit (FICO 800+) | Good credit (FICO 670-739) | Poor credit (FICO 300-579) |
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The best car insurance for drivers with a clean record
For a driver in Connecticut age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| USAA* | $173 |
| Allstate | $182 |
| Nationwide | $190 |
| GEICO | $191 |
| State Farm | $193 |
| Travelers | $203 |
| Safeco | $216 |
| Esurance | $216 |
| Progressive | $227 |
| Liberty Mutual | $263 |
| Farmers | $278 |
| MetLife | $470 |
*USAA is only for active military, veterans, and their families.
Above data obtained from
Best car insurance for one or more accidents on record
For a driver in Connecticut age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| State Farm | $134 |
| GEICO | $202 |
| Allstate | $209 |
| Progressive | $222 |
| Esurance | $246 |
| Farmers | $329 |
Above data obtained from
Connecticut car insurance rates by city
Below is the estimated average annual premium of auto insurance policies per household in Connecticut's most populous cities:
| City | Average annual insurance premium |
| Bridgeport | $1,378 |
| New Haven | $1,348 |
| Stamford | $1,606 |
| Hartford | $1,277 |
| Waterbury | $1,355 |
| Norwalk | $1,604 |
| Danbury | $1,532 |
| New Britain | $1,353 |
| West Hartford | $1,638 |
| Meriden | $1,471 |
| Bristol | $1,491 |
| West Haven | $1,454 |
| Stratford | $1,544 |
| Milford | $1,594 |
| East Hartford | $1,427 |
| Middletown | $1,478 |
| Shelton | $1,605 |
| Norwich | $1,449 |
| Trumbull | $1,726 |
| Torrington | $1,474 |
| Naugatuck | $1,547 |
| Newington | $1,580 |
| Manchester | $1,431 |
| East Haven | $1,519 |
| Westport | $1,816 |
| New London | $1,327 |
| Wethersfield | $1,578 |
| North Haven | $1,644 |
| Darien | $1,878 |
| Ansonia | $1,424 |
| Wallingford | $1,518 |
| Willimantic | $1,283 |
| Storrs | $1,314 |
| Orange | $1,698 |
| Greenwich | $1,591 |
| Derby | $1,485 |
| Windsor Locks | $1,528 |
| Bethel | $1,578 |
| Groton | $1,438 |
| Riverside | $1,850 |
Data from S&P Global Intelligence
Who gets the best cheap car insurance in Connecticut?
As the data above shows, your credit score is one of the bigger influences on the price you'll pay for coverage. But, there are many other factors that play into your premium, too. With every company considering them differently, it's critical to shop around.
If you want to get the best rate for you, you'll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you'll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you'll pay out-of-pocket if you get into an accident.
The driver who gets the best deal in Connecticut is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you.
Ronda Lee is an associate editor for insurance at Personal Finance Insider covering life, auto, homeowners, and renters insurance for consumers. She is also a licensed attorney who practiced litigation and insurance defense.