The Best Car Insurance Companies in Connecticut
If you’re looking for the best car insurance in Connecticut, look no further. Gap insurance and high liability limits top the list of must-haves in a state with congested roads and lots of luxury cars on the. While Connecticut has higher than average insurance rates, we’ve rounded up some of the best car insurance companies that offer a combination of affordable rates and excellent customer service.
The 5 Best Auto Insurance Companies in Connecticut
- Geico: Best for low prices
- Allstate: Best for high liability coverage limits
- Progressive: Best for high-risk drivers
- State Farm: Best for customer satisfaction
- USAA: Best for military families
| Average Price for State Minimum* | Average Price for Full Coverage* | Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|---|
| Pin Geico | $698.22 | $1,756.57 | 4.4/5 | A++ | 841/1,000 | |
| Pin Allstate | $1,174.44 | $3,027.04 | 4/5 | A+ | 807/1,000 | |
| Pin Progressive | $1,452.92 | $3,028.47 | 4.4/5 | A+ | 819/1,000 | |
| Pin State Farm | $1,120.97 | $2,559.00 | 4.8/5 | A++ | 855/1,000 | |
| Pin USAA | $812.13 | $2,049.59 | 4.8/5 | A++ | 895/1,000 |
Information accurate as of 11/12/2020
* Data provided by Coverage.com
Geico
Best for low prices
Why we chose it
Why we chose it
Pros
- Low annual premiums
- Above-average customer satisfaction
- Many discounts
Cons
- Few local agents available
- No gap coverage
Types of Coverage Offered
- Liability
- Medical payments
- Uninsured & underinsured motorist
- Collision
- Comprehensive
- Roadside assistance
- Rental reimbursement
- Mechanical breakdown
Discounts Available
- Vehicle equipment features
- New vehicle
- Good driver
- Seat belt use
- Defensive driving
- Driver’s education course
- Good student
- Emergency deployment
- Membership & employee
- Military
- Multi-vehicle
- Multi-policy
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.
Further Reading on Geico:
Allstate
Best for high liability coverage limits
Why we chose it
Why we chose it
Pros
- High liability coverage limits
- Offers a free app to help improve driving habits
- Lots of coverage options
Cons
- Below average claims and customer satisfaction scores
- Missing some common discounts
Types of Coverage Offered
- Liability
- Medical
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Roadside assistance
- Rental reimbursement
- Sound system
- Personal injury
- Personal umbrella
Discounts Available
- Vehicle safety features
- Multiple policy
- Early signing
- Responsible payer
- Smart student
- New car
- Automatic payment
- Paperless billing
- Fullpay
- Safe driving
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.
Further Reading on Allstate:
Progressive
Best for high-risk drivers
Why we chose it
Why we chose it
Pros
- Lots of discount options
- Great digital tools
Cons
- Below average customer and claims satisfaction
- Some discounts not offered in certain states
Types of Coverage Offered
- Liability
- Comprehensive
- Collision
- Uninsured/underinsured motorist
- Medical payments
- Roadside assistance
- loan/lease payoff
- Rental car reimbursement
- Customer parts and equipment value
- Rideshare coverage
- Deductible savings bank
Discounts Available
- Multi-policy
- Multi-car
- Continuous insurance
- Safe driver
- Teen driver
- Good student
- Distant student
- Homeowner
- Quote and sign online
- Paperless billing
- Pay in full
- Automatic payment
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.
Further Reading on Progressive:
- Progressive auto insurance review
- Progressive homeowners insurance review
- Progressive renters insurance review
State Farm
Best for customer satisfaction
Why we chose it
Why we chose it
Pros
- Best customer satisfaction
- Unique coverage options including rideshare
Cons
- Fewer discounts than other competitors
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Rental and travel expense
- Uninsured & underinsured motorist
- Medical payments
- Roadside assistance
- Rideshare driver
Discounts Available
- Drivewise
- Steer Clear
- Accident-free
- Defensive driving
- Student discounts
- Driver training
- Good driving
- Vehicle safety features
- Multi-car
- Multiple-policy
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.
Further Reading on State Farm:
USAA
Best for military families
Why we chose it
Why we chose it
Pros
Cons
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.
Further Reading on USAA:
The average cost of car insurance in Connecticut
The cost of car insurance in Connecticut is higher than the national average, in part because of the congested roads and high number of luxury vehicles. Prices in the state start around $790 for minimum liability coverage and average $1,782 for full coverage.
The price of car insurance can vary widely depending on a few factors. First, prices can be very different between different providers. Other factors, such as a driver’s location, age, driving history and credit score can also play a role.
Top 3 Cheapest Car Insurance Companies in Connecticut
| Company | Average Annual Premium |
| Geico | $698.22 |
| Amica | $802.95 |
| USAA | $812.13 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Most Expensive Car Insurance Companies in Connecticut
| Company | Average Annual Premium |
| Hanover | $2,495.31 |
| Metropolitan | $2,465.81 |
| Progressive | $1,452.92 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Cheapest Cities for Car Insurance in Connecticut
| City | Average Annual Premium* |
| Willimantic | $996.17 |
| Tolland | $1,013.74 |
| Colchester | $1,020.44 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Most Expensive Cities for Car Insurance in Idaho
| City | Average Annual Premium* |
| New Haven | $1,565.79 |
| Hartford | $1,521.90 |
| Bridgeport | $1,511.63 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Car Insurance Add-Ons That Will Further Protect You
- Roadside assistance: If you end up stranded on the side of the road, roadside assistance can help you change a tire, jump a battery, or get a tow.
- Gap insurance: If you have a car loan or lease and total your car, you may end up in a situation where you owe more than the car is worth. Gap insurance covers that discrepancy and ensures you aren’t left paying off a car you don’t have anymore.
- Personal injury protection: This coverage protects against financial losses for medical bills. It’s ideal for people who have no health insurance or a limited plan. It will cover the medical bills of the driver and passengers after an accident.
- Accident forgiveness: A car accident can cause a huge spike in your auto insurance premiums. Some insurers offer accident forgiveness, which guarantees that your rates won’t change after a single accident.
Guide to Connecticut Car Insurance
Drivers in Connecticut should be aware of the state’s unique insurance laws before hitting the road. Especially important are the state’s minimum insurance requirements and its at-fault insurance laws, which went through major changes in 1994.
Connecticut Minimum Insurance Requirements
Drivers in Connecticut are required to maintain certain insurance coverages. First, the state requires that drivers carry uninsured and underinsured motorist coverage, which covers bodily injury to the driver and passengers when the driver at fault of an accident doesn’t have insurance (or doesn’t have enough insurance).
The state also requires minimum liability coverage with the following limits:
- $25,000 per person in bodily injury
- $50,000 per accident in bodily injury
- $25,000 per accident for property damage
Connecticut’s No-Fault Law
After a 1994 law change, Connecticut is no longer a no-fault state. As a result, the state now requires that the driver at fault for an accident cover the financial losses of the other driver regarding bodily injury and property damage. The state’s minimum liability coverage requirements ensure that everyone can cover damages if they’re at-fault for an accident.
Connecticut Car Insurance FAQ
What is the minimum car insurance required in Connecticut?
Drivers in Connecticut must carry two types of insurance: uninsured/underinsured motorist coverage and liability coverage, which covers both bodily injury and property damage.
What is the average auto insurance cost in Connecticut?
Car insurance in Connecticut ranges from $790 for the average minimum liability policy to $1,790 for the average full coverage policy.
What is the cheapest car insurance company in Connecticut?
The cheapest car insurance company in Connecticut is Geico. Its minimum liability coverage cost an average of $698, while the average for full coverage is $1,757.
Methodology
Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Connecticut, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you.
As for average pricing, we used Coverage.com’s data of car insurance in Connecticut, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:
- $100k bodily injury liability per person
- $300k bodily injury liability coverage per crash
- $100k property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.
