Average Cost of Car Insurance in Connecticut (2022 Rates) – Bankrate.com

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com.
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Connecticut recently experienced an unusual phenomenon — there has been a 50% drop in traffic in the state since the coronavirus pandemic began, yet traffic fatalities have noticeably risen. For the many vehicle owners who are driving less and working from home more, caution — and quality car insurance — are essential. If you are a Connecticut driver searching for car insurance, the average cost of car insurance in Connecticut is $794 for minimum insurance and $1,845 for full coverage.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Save on auto insurance with quotes from trusted providers like
Drivers switch & save an average of $750+/year
Are you overpaying for auto insurance?
Safe drivers choose Allstate®
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Car insurance rates in Connecticut vary based on many factors, such as your driving record, what type of coverage you are looking for, your age and vehicle and the carrier you choose. State insurance requirements can also affect the cost of coverage.
While average car insurance rates can give you a sense of what to expect, to get a more accurate amount for you, you would need to get quotes from a few car insurance companies. One thing is sure — Connecticut car insurance rates are typically higher than the national average of $565/$1,674 per year for minimum and full coverage, respectively. Finding cheap car insurance in a high-cost state like Connecticut may be a little trickier than in other places.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
To demonstrate how much Connecticut auto insurance rates can vary, consider the average cost of coverage from several insurance providers below. The same level of coverage can vary hundreds to thousands of dollars. Switching car insurance to save money on your premiums could be a sensible choice, or you might find that your carrier offers more reasonable rates than you thought.
Insurance rates in Connecticut are also different depending on your city. Bankrate collected car insurance quotes for the top 20 cities by population. Among these cities, Manchester residents pay the least for coverage, while Hartford drivers have the highest vehicle insurance premiums in Connecticut (on average).
Driver age is another significant factor that affects the cost of car insurance in the state. If you refer to the table, the highest premiums are predictably reserved for teen and young drivers. Although Connecticut has restrictions for teen drivers, such as limited driving hours and driving while accompanied by an adult, insurance companies still usually see drivers under the age of 25 as high-risk. Therefore, younger drivers often pay more for car insurance. Rates typically bottom out around age 60 and start to go back up for more elderly drivers.
*16-year-old calculated on parent’s policy disclosure
Age won’t matter as much if you have a poor driving record. While it is well known that safer drivers pay less for car insurance, some people do not realize that speeding tickets can also raise your insurance rates considerably — even if no accident or DUI was involved. The recent rise in vehicle fatalities (even though traffic is down 50%) is primarily due to speeding. As highways have become less crowded, some drivers are not obeying the speed limit, causing deadly crashes. Car insurance companies are well aware of the increased risk of accidents when drivers speed.
Connecticut car insurance rates are higher than average. Finding savings in as many ways as possible could give your budget some relief. Consider the following ways to save on Connecticut auto insurance:
Based on the average cost of car insurance in Connecticut of $794 for minimum insurance and $1,845 for full coverage, your monthly premiums would be roughly $66 or $154. Keep in mind that your actual premium may vary from the average. You may want to consider speaking with a licensed insurance agent to help find coverage that fits your budget.
To legally drive in the state, you will need a minimum amount of liability coverage of 25/50/25 and uninsured/underinsured coverage as follows:
Keep in mind that the state’s minimum requirement may not provide enough financial protection if you are involved in an accident. Liability insurance only pays others for the injuries and damages you cause, up to the limit of your coverage amount. You would be personally responsible for damages to your vehicle or third-party expenses over the limit. Again, speaking with a licensed insurance agent is typically a good approach to ensure that you have the coverage you need.
Bankrate’s analysis of the top insurance companies in the state found that the cheapest car insurance in Connecticut is available from USAA, State Farm, Geico, Amica and Nationwide. USAA is only available to military and close family members, but all other carriers provide most state residents coverage. There could be other providers that offer cheap insurance near you, so it’s a good idea to shop around and compare providers before purchasing a policy.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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