The legal minimum coverage for insurance in Connecticut will run on average $672 per year which is almost 10 percent higher than the national average. Minimum requirements include:
- $20,000 bodily injury per person per accident
- $50,000 bodily injury for all persons per accident
- $25,000 property damage liability
- $25,000/$50,000 uninsured/underinsured motorist
While minimum coverage will allow you to legally drive in the state, full coverage is suggested which runs an average of $ 1605 per year.
Connecticut Auto Insurance Costs by Insurer
While Connecticut has some of the highest insurance rates in the country due to its high cost of living and highly populated cities, shopping for the best rates can help you see a reduction in annual premiums. As stated by MoneyGeek, below are some of the most popular insurance carriers in the state and the average yearly premiums for full coverage.
- USAA: $847
- GEICO: $925
- Progressive: $1167
- State Farm: $1324
- Amica Mutual: $1375
Connecticut Auto Insurance Premiums by Driver Age
Age is a main factor in determining insurance rates. Younger drivers tend to be more likely to incur traffic violations or be at fault in accidents. As your driving experience increases you can expect rates to become lower until you reach the senior age group, where rates will see a slight increase. Below are the averages based on your age category for full coverage in Connecticut.
- Teens: $3255
- 30-40: $1442
- Seniors: $1582
Average Connecticut Insurance Rates after a Violation or Accident
Even more significant than age is the effect that a moving violation or at-fault accident can have on your annual premium rates. Mild violations such as speeding tickets less than 10 miles over will run close to $400 more than the average at around $1809 per year.
Severe offenses, such as DUIs and reckless driving convictions, can result in almost double rates with an average annual premium of $2809.
Connecticut Auto Insurance Premiums by Credit Tier
Another factor that determines your car insurance rates and can actually cost you almost $900 more in annual premiums is your credit score. Poor credit can lead to average annual premiums of around $2511 in Connecticut. Below are the average rates you can expect to pay per year with scores below good or excellent.
- USAA: $1361
- GEICO: $1433
- Progressive: $1707
- Travelers: $2246
- Nationwide: $2260
Expensive Connecticut Cities
In Connecticut, cities that are more heavily populated and have higher than average crime rates will usually have higher car insurance premiums. This is because these areas will see a much higher amount of claims than areas that are more rural. The three most expensive cities in Connecticut for car insurance are Hartford, Bridgeport, and New Haven, with rates running an average of $2897 per year for full coverage.
Cheaper Connecticut Cities
Though there are not a lot of smaller cities in Connecticut, the least densely populated areas will see better rates as drivers are subject to less traffic. The cheaper cities in Connecticut will run an annual average of $1737 with the lowest cost towns being Lyme, Mystic, Essex, and Old Saybrook.
List of Insurance Companies in Connecticut
There are five insurance carriers in the state that are most popular with residents. Amica Mutual has received top reviews in the state for its excellent customer service, available discounts, and a return dividend each year up to 20 percent of your annual premium, as reported by Bankrate .
Another popular insurance option in the area is GEICO. They are best known for their low premiums, high customer satisfaction, and discounts. The main drawback with GEICO is that there are few available agents in the area.
Another insurance carrier in Connecticut, popular for their online quoting system is Progressive. Customers claim the pros of the company include the wide range of discounts and available online tools, while the main drawback seems to be a lower-than-average customer service rating.
According to Coverage.com, one of the largest insurance companies in the United States is ranked second highest in Connecticut. State Farm is praised for its high-rated customer satisfaction and its many available coverage options, such as rideshare. The main drawback listed for State Farm is that they don’t offer as many discounts as other carriers.
The Hanover is one of the top five companies in Connecticut, and it is popular for its unique bundling options. Auto coverages fall into one of four available packages:
- Platinum Auto Elite
- Platinum Auto Advantage
- Platinum Auto Essential
No-Fault Insurance in Connecticut Information
While previously a no-fault state, Connecticut changed to an at-fault state in 1994. The change means that the driver who is determined to be at fault for the accident will be financially responsible for the medical bills, repairs, and property damage of all those involved in the accident. The state limits for minimum liability are designed to provide drivers with enough coverage to take care of the damage to the passengers and other parties involved, although without collision the driver’s vehicle would need to be repaired at the expense of the driver.
Driving in Connecticut
- Connecticut is a popular location for families to retreat from the hustle and bustle of New York City, making it a popular location for summer and vacation homes.
- While I-84 and I-95 are the main highways to get to some of the most popular tourist spots, Route 2 and Route 9 can take you to the same places in almost the same amount of time when factoring in traffic.
- Merritt Parkway and Route 169 are some of the most popular scenic routes across the state.
- Driving without insurance in the state can lead to a fine of $110, vehicle impounding, registration suspension, and jail time.
- Multiple driving violations may require you to produce SR-22 insurance for a minimum of three years, as mentioned in The Simple Dollar.
- In Connecticut, insurance will follow the car, not the driver.
Check this out if you need additional information, resources, or guidance on car insurance.
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