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The Best Connecticut Auto Insurance Company

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    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$1,756.574.4/5A++841/1,000
    Pin Allstate$1,174.44$3,027.044/5A+807/1,000
    Pin Progressive$1,452.92$3,028.474.4/5A+819/1,000
    Pin State Farm$1,120.97$2,559.004.8/5A++855/1,000
    Pin USAA$812.13$2,049.594.8/5A++895/1,000

    Information accurate as of 11/12/2020

    * Data provided by Coverage.com

    Geico

    Geico

    Best for low prices

    Why we chose it

    Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $698.22* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 841** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.

    Pros

    • Low annual premiums
    • Above-average customer satisfaction
    • Many discounts

    Cons

    • Few local agents available
    • No gap coverage
    Read More

    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

    Allstate

    Best for high liability coverage limits

    Why we chose it

    Allstate is your best bet if you’re interested in high liability coverage limits — you can purchase up to $500,000 in bodily injury coverage per person and per accident and up to $1 million in property damage liability coverage.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,174.44* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 807** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate is your best bet if you’re interested in high liability coverage limits — you can purchase up to $500,000 in bodily injury coverage per person and per accident and up to $1 million in property damage liability coverage.

    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
    Read More

    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

    Progressive

    Best for high-risk drivers

    Why we chose it

    Progressive is the biggest provider of car insurance in Connecticut and is the best choice for higher-risk drivers.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,452.92* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 819** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive is the biggest provider of car insurance in Connecticut and is the best choice for higher-risk drivers.

    Pros

    • Lots of discount options
    • Great digital tools

    Cons

    • Below average customer and claims satisfaction
    • Some discounts not offered in certain states
    Read More

    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:

    State Farm

    State Farm

    Best for customer satisfaction

    Why we chose it

    Providing insurance since 1922, State Farm offers full coverage of up to $500,000 per incident.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,120.97* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 855** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Providing insurance since 1922, State Farm offers full coverage of up to $500,000 per incident.

    Pros

    • Best customer satisfaction
    • Unique coverage options including rideshare

    Cons

    • Fewer discounts than other competitors
    Read More

    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

    USAA

    Best for military families

    Why we chose it

    USAA offers some of the most affordable rates and best customer satisfaction on the market, available only to military families.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $812.13* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 895** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers some of the most affordable rates and best customer satisfaction on the market, available only to military families.

    Pros

      Cons

        Read More

        * 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

        CompanyAverage 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

        CompanyAverage 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

        CityAverage 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

        CityAverage 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.

        About the Authors

        Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.