Auto Insurance in Connecticut

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Connecticut is recognized regularly for its high cost of living, and the cost of insuring vehicles in this state is no exception to the rule. The average premium for Connecticut is $1,927, which is substantially higher than most states. However, this number is skewed by exorbitantly high premiums in a handful of cities within the state.


Population: 3,596,677
US Average

A number of variables impact auto insurance costs in Connecticut, including common influences such as higher income levels of the state and the cost of living; however, other influences include the action or inaction by state regulators who have the ability to control what insurance companies can charge.

The state is a mix of rural areas, coastal cities, and small towns. Mystic is a town famous for its seaport filled with centuries-old ships, while New Haven is the home of Yale University and the Peabody Museum of Natural History. Adding to the cost of insurance is the fact that Connecticut has a high number of vacationers during the summer, and its roads are more crowded during these tourist-heavy months.

Connecticut Minimum Liability

Bodily Injury

per person
per accident

Property Damage

per accident

The state’s minimum liability coverage is set at 20/40/10, or $200,000 minimum, which is significantly lower than some other states; in fact, the recommended minimum is set at 50/100/50. It’s important for drivers to understand minimum required coverage doesn’t limit the amount of damages assessed to a driver on a particular accident. If a driver only has minimum coverage on his or her vehicle and has an accident causing more damage than what the policy covers, he or she will be responsible for paying the difference out-of-pocket.

The lower minimum coverage is a reflection of numerous factors, including the average cost of automobile accidents in the state; however, the cost of insurance in Connecticut is higher than all but nine other states and the District of Columbia. Obtaining quotes is an important step in finding the ideal auto insurance policy, and it should list the liability minimums for reference.

Cheapest Car Insurance in Connecticut

Yearly Rate

  • $2,780
  • $1,446
  • $1,553
    State Farm
  • $2,818
  • $1,521

The companies listed here are currently offering cheap rates, if price is the primary concern of the buyer. There are some benefits associated with choosing an insurance solely based on rates; the most common benefits include affordability and budget management.

The reality is that some people don’t have the luxury to go with the best company, and they’re forced to go with the company featuring the low-cost rates; in many instances, this will work out fine for them.

The reality is that some people don’t have the luxury to go with the best company, and they’re forced to go with the company featuring the low-cost rates; in many instances, this will work out fine for them.

The other side of this equation is that companies considered the cheapest or most affordable often struggle in delivering effective customer support; in rare instances, it may be difficult for the insured to get his or her claim paid in a reasonable time frame.

Where is car insurance most affordable?

For insurance rates, some cities in Connecticut are much cheaper than others.

Danbury, Bristol, and Norwalk register as cities with the lowest insurance rates in the state; the difference in cost can range from well over $2,000 down to just over $1,000.

Population and geographical location ties the cities with the lowest rates together. These cities have significantly smaller populations than those with the highest rates, and they’re considered either small townships or rural areas.

Bridgeport Auto Insurance

Population: 147,216

Bridgeport is a large city in Connecticut with a population of 147,216. The city rests on the edge of the Pequannock River and Long Island Sound, making it a center of commerce and transport in the state. The relatively high population of Bridgeport is reflected in the higher insurance cost in that city. The city is recognized for housing some of the most respected museums on the east coast, including the Housatonic Museum of Art.

Bristol Auto Insurance

Population: 60,062

Bristol is a suburban city located just outside Hartford. The city is home to the American Clock and Watch Museum and the Witch’s Dungeon Classic Museum. Proximity to Hartford makes this town ideal for city workers looking for the quiet suburban appeal. Bristol has a population over 60,000, and it’s one of the most affordable areas to live in, as far as automobile insurance is concerned.

Danbury Auto Insurance

Population: 83,684

Hey, I’m living over here! Danbury, a small city, is located in the northern half of Fairfield County. It’s approximately 70 miles outside of NYC, making it an ideal residential location for city workers who prefer a more serene living environment. The city’s population reaches over 83,000, and it’s home to the Danbury Railway Museum and Putnam Memorial State Park. The location and low population of Danbury maintains its affordability for auto insurance.

Hartford Auto Insurance

Population: 125,578

Hartford is the capital of Connecticut, and it’s also considered to be the historical seat of the area. By Connecticut standards, the city is highly populated, with a population over 125,000. Hartford is also famous as the hometown of both Mark Twain and Harriet Beecher Stowe. It’s worth noting Hartford is also considered the insurance capital of the world; the cost for auto insurance in Hartford places it among the most expensive cities in Connecticut.

Meriden Auto Insurance

Population: 58,244

Meriden, a small town with a population over 60,000, rests between New Haven and Hartford. This town is well-known thanks to the castles located there, including Castle Craig and West Peak. Meriden is also popular for skiers because of the Powder Ridge Ski Resort. The auto insurance in this area is comparable to other cities of the same size.

Milford Auto Insurance

Population: 50,594

Mix it up with a variety of people in Milford. Milford is a coastal city located in New Haven County, and it rests between New Haven and Bridgeport; this city also attracts a substantial number of vacationers and tourists each year. With its proximity to Charles Island and Silver Sands State Park, Milford provides the ideal combination of interesting activity and tranquility. As far as Connecticut is concerned, Milford has very reasonable insurance rates.

New Britain Auto Insurance

Population: 72,939
New Britain

New Britain, located nine miles southwest of Hartford, is part of Hartford County. With a population over 72,000, the city is a little over mid-size by Connecticut standards; however, it still provides a quiet residential dwelling and calm ambiance. The city is also home to Central Connecticut State University; despite having a major university within its borders, New Britain’s insurance rates remain relatively low.

New Haven Auto Insurance

Population: 130,660
New Haven

Size matters here. New Haven is the second largest city in Connecticut from a population standpoint. New Haven is the principal municipality of Greater New Haven, which collectively has a population over 862,000. The city is probably most recognized as the home of prestigious Yale University. The combination of high population and large number of commuters makes the cost of auto insurance in this city rank among the highest.

Norwalk Auto Insurance

Population: 87,776

Norwalk is a city located in Fairfield County, and it’s most noted for its Maritime Aquarium and the Stepping Stones Museum; the city is also part of the Norwalk Islands, which is a tourist attraction. The city has a population over 87,000, making it the sixth-largest city in Connecticut, and the third largest in Fairfield County. Despite a relatively high population, Norwalk has managed to keep its insurance cost within reason.

Stamford Auto Insurance

Population: 126,456

Enjoy serenity and quiet in this town. Stamford is located in Fairfield County, and it’s widely recognized for the Stamford Museum and Nature Center; the city is also known for its beautiful and tranquil state parks, such as Cove Island Park and Cummings Park. Even with a population over 126,000, the insurance costs for this city are relatively low. Stamford is ideal for those who consider insurance cost when selecting a home.

Waterbury Auto Insurance

Population: 109,676

Waterbury is a city that sits on the edge of the Naugatuck River. The city is ideally located, resting 33 miles southwest of Harford and just 77 miles northeast of NYC, and it’s population reaches over 109,000. More noted points of interest include Black Rock State Park and Mattatuck Museum. Insurance costs in Waterbury are among the highest in the state.

West Haven Auto Insurance

Population: 52,360
West Haven

This city is lucky enough to lie on the ocean. West Haven is home to the University of West Haven, and it’s located in New Haven County. With a population over 55,000, West Haven is one of the smaller municipalities to make the list. Despite the relatively small population of West Haven, it ranks in the higher end of Connecticut cities as far as auto insurance is concerned.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.