Cheap Connecticut Auto Insurance in 2024 (Save Big With These 10 Companies!)

Geico, USAA and Travelers are top choices for cheap Connecticut auto insurance with rates starting at just $32 monthly. These companies provide competitive rates and comprehensive coverage.

Auto insurance in Connecticut and knowing the difference between comprehensive vs. collision coverage is required by law and shopping for coverage can be confusing.

Our Top 10 Company Picks: Cheap Connecticut Auto Insurance

We’ve gathered everything you need to know to buy cheap Connecticut auto insurance with confidence. To compare Connecticut auto insurance rates right now, just enter your ZIP code above.

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#1 – Geico: Top Overall Pick

Pros

• Low Starting Rates: Geico offers rates starting at just $32 per month, making it a top choice for cheap Connecticut auto insurance. This affordability allows many drivers to save significantly on their monthly premiums.
• Strong Customer Service: With an A++ rating from A.M. Best, Geico provides excellent customer service and efficient claims processing. Their high satisfaction rates reflect their commitment to customer care.
• Wide Range of Discounts: Geico offers numerous discounts, including those for safe driving, good grades, and bundling policies, which can further lower your costs for cheap Connecticut auto insurance. Read more through our Geico insurance review.

Cons

• Limited Coverage Options: While Geico excels in affordability, it may not offer as many coverage options compared to other insurers. This could be a drawback if you need more specialized coverage beyond cheap Connecticut auto insurance.
• Higher Rates for Certain Drivers: Drivers with poor credit or high-risk profiles might find that Geico’s rates are less competitive. This can impact those looking for the best cheap Connecticut auto insurance if their risk profile affects their premium.

#2 – USAA: Best for Military Service

Pros

• Exclusive Benefits for Military: USAA provides exceptional service and tailored benefits for military members and their families, offering some of the best options for cheap Connecticut auto insurance within this community.
• High Customer Satisfaction: With an A++ rating from A.M. Best, USAA consistently receives high marks for customer satisfaction and claims handling, making it a reliable choice for cheap Connecticut auto insurance.
• Comprehensive Coverage Options: USAA offers a wide array of coverage options and add-ons designed to meet the needs of military families, ensuring you get the best protection for cheap Connecticut auto insurance. Find our more through our Allstate vs. USAA insurance review.

Cons

• Eligibility Restrictions: USAA’s services are only available to military members, veterans, and their families, which limits access for those outside this group looking for cheap Connecticut auto insurance.
• Limited Physical Locations: USAA has fewer local branches compared to other insurers, which might be inconvenient for those who prefer face-to-face interactions when managing their cheap Connecticut auto insurance.

#3 – Travelers: Best for Comprehensive Coverage

Pros

• Extensive Coverage Options: Travelers offers a wide range of coverage types and add-ons, making it a strong choice for comprehensive protection as part of cheap Connecticut auto insurance.
• Customizable Policies: Their policies are highly customizable, allowing you to tailor coverage to meet your specific needs while still maintaining affordability in cheap Connecticut auto insurance. Look for more details through our Travelers insurance review.
• Good Financial Stability: With an A++ rating from A.M. Best, Travelers is financially robust, providing peace of mind that your cheap Connecticut auto insurance is backed by a stable company.

Cons

• Potentially Higher Premiums: Comprehensive coverage options might come with higher premiums compared to basic plans. This can make it more challenging to find the cheapest Connecticut auto insurance if extensive coverage is needed.
• Complex Pricing Structure: The pricing and discount structures can be intricate, which might make it difficult to navigate and find the best rates for cheap Connecticut auto insurance.

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#4 – State Farm: Best for Customer Service

Pros

• Excellent Customer Service: State Farm, with a B rating from A.M. Best, is known for its strong customer service and personalized support, ensuring you receive attentive service when managing your cheap Connecticut auto insurance.
• Wide Network of Agents: Their extensive network of local agents provides convenient access to personalized assistance, enhancing the customer experience for those seeking cheap Connecticut auto insurance.
• Variety of Discounts: State Farm offers multiple discounts, including those for safe driving and bundling policies, which can help lower your costs for cheap Connecticut auto insurance. Delve more through our State Farm insurance review.

Cons

• Rates May Not Be the Lowest: While State Farm provides excellent service, their rates may not always be the most competitive for those seeking the cheapest Connecticut auto insurance.
• Limited Online Tools: Compared to other providers, State Farm’s digital tools and online account management are less advanced, which might be a drawback for tech-savvy customers looking for cheap Connecticut auto insurance.

#5 – Nationwide: Best for Innovative Discounts

Pros

• Innovative Discounts: Nationwide offers unique discounts for smart vehicle technology and other innovations, helping to reduce your costs for cheap Connecticut auto insurance. Find out more through our Nationwide insurance review.
• Flexible Coverage Options: Their customizable coverage options allow you to tailor your policy to fit your specific needs while maintaining affordability in cheap Connecticut auto insurance.
• Good Claims Support: Nationwide is known for its efficient claims handling and support, ensuring you receive timely assistance with your cheap Connecticut auto insurance.

Cons

• Complex Discount System: Understanding and qualifying for Nationwide’s various discounts can be complicated, potentially making it harder to find the best cheap Connecticut auto insurance rates.
• Potentially Higher Rates: Depending on your profile and coverage needs, Nationwide’s premiums might be higher compared to other insurers offering cheap Connecticut auto insurance.

#6 – American Family: Best for Customer Satisfaction

Pros

• High Customer Satisfaction: American Family, with an A rating from A.M. Best, is highly rated for customer satisfaction and service, providing reliable cheap Connecticut auto insurance. Learn more through our American Family auto insurance review.
• Comprehensive Coverage: Offers a broad range of coverage options and add-ons, ensuring you have access to robust protection within the realm of cheap Connecticut auto insurance.
• Good Claims Handling: Known for efficient and fair claims handling, American Family supports its customers well when making a claim under their cheap Connecticut auto insurance.

Cons

• Rates May Be Higher: Premiums with American Family can be on the higher side compared to other providers, which might impact your ability to find the cheapest Connecticut auto insurance.
• Limited Availability: American Family isn’t available in all states, which can be a limitation for those outside their service areas looking for cheap Connecticut auto insurance.

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#7 – Progressive: Best for Snapshot Program

Pros

• Snapshot Program: Progressive’s Snapshot program offers potential savings based on driving habits, making it a good choice for those looking for cheap Connecticut auto insurance with personalized rates.
• Wide Range of Coverage: Provides a diverse array of coverage options and add-ons to fit different needs, ensuring comprehensive protection as part of your cheap Connecticut auto insurance.
• Competitive Rates: Generally offers competitive rates, especially for those participating in the Snapshot program, helping you find affordable cheap Connecticut auto insurance.  Our complete Progressive auto insurance review goes over this in more detail.

Cons

• Variable Rates: Rates can fluctuate significantly based on driving behavior and other factors, which might make it difficult to predict costs for cheap Connecticut auto insurance.
• Discount Complexity: The variety of discounts and eligibility requirements can be confusing, making it challenging to maximize savings on cheap Connecticut auto insurance.

#8 – Farmers: Best for Coverage Options

Pros

• Extensive Coverage Options:  As outlined in our Farmers auto insurance review, Farmers provides a wide range of coverage types and add-ons, offering comprehensive protection for cheap Connecticut auto insurance.
• Strong Local Presence: With a robust network of local agents, Farmers offers personalized service and support for those seeking cheap Connecticut auto insurance.
• Innovative Programs: Features various programs and discounts for safe driving and other factors, which can help lower your overall costs for cheap Connecticut auto insurance.

Cons

• Potentially Higher Premiums: Farmers’ premiums can be on the higher side compared to other providers, which may affect your ability to secure the cheapest Connecticut auto insurance.
• Customer Service Variability: The quality of customer service can vary depending on the location and agent, which might impact your experience with cheap Connecticut auto insurance.

#9 – Allstate: Best for Safe Driving

Pros

• Safe Driving Rewards: Allstate’s Drivewise program rewards safe driving habits with potential discounts, helping you find affordable cheap Connecticut auto insurance.
• Variety of Coverage Options: Offers a broad range of coverage types and add-ons, ensuring you get the protection you need as part of your cheap Connecticut auto insurance.
• Strong Financial Ratings: With an A+ rating from A.M. Best, Allstate provides a stable and reliable option for securing cheap Connecticut auto insurance. See more details in our Allstate Auto Insurance Review.

Cons

• Rates May Be Higher: Allstate’s premiums can be higher than those of some competitors, which might affect your search for the cheapest Connecticut auto insurance.
• Discounts Can Be Complex: Navigating the various discounts and determining eligibility can be challenging, potentially complicating the process of finding cheap Connecticut auto insurance.

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#10 – Liberty Mutual: Best for Flexible Policies

Pros

• Flexible Policies: Liberty Mutual offers a variety of policy options and customizable coverage, allowing you to tailor your cheap Connecticut auto insurance to meet your needs.
• Good Customer Service: Liberty Mutual generally receives positive reviews for customer service, making it a reliable option for cheap Connecticut auto insurance. Check out insurance savings in our complete Liberty Mutual auto insurance review.
• Strong Financial Stability: With an A rating from A.M. Best, Liberty Mutual is financially stable, ensuring dependable coverage for your cheap Connecticut auto insurance.

Cons

• Higher Premiums for Some: Depending on your coverage choices and profile, Liberty Mutual’s premiums may be higher, impacting the affordability of your cheap Connecticut auto insurance.
• Complex Policy Structure: The details of Liberty Mutual’s policies and discounts can be intricate, which might make it difficult to navigate and find the best rates for cheap Connecticut auto insurance.

Connecticut Auto Insurance Laws and Requirements

Drivers in the state of Connecticut are subject to the tort system of auto insurance, meaning that when they are involved in an accident, the authorities will determine one party to be at fault in an accident, and that person will be subject to insurance claims and any lawsuits stemming from the incident.

State law also mandates that drivers have a minimum amount of auto insurance in three different categories to be considered “insured” and to be allowed to drive on the roads.

Bodily injury iiability insurance, commonly referred to as “BIL”, is the policy that will cover a driver against injury claims when they are the party determined to be at fault for an accident. All of the other parties’ medical treatment, rehabilitation, lost wages and other injury-related claims will fall under this insurance policy.

The State requires drivers to have a minimum coverage of $25,000 per person, per accident and a minimum of $50,000 for all parties in a single accident.

Note that these amounts are considered somewhat low by today’s standards, and it’s recommended to increase these to avoid having to pay out of pocket if you should end up in an accident.

Property damage liability insurance is another mandated auto insurance policy that drivers must purchase. This policy covers the costs associated with damage that a driver causes when they are at fault in an accident.

Typically this is damage to the other party’s automobile and any structural or surrounding items like lamp posts or fences that happened to be struck in the accident. The minimum amount of coverage by law is $25,000. Finally, unlike many states, Connecticut requires that drivers insure themselves against accidents caused by uninsured motorists.

Uninsured motorist coverage protects the driver and their passengers and covers injury treatment costs that would otherwise go unpaid as there is no insurance company paying the costs for the driver that caused the accident.

Even when this type of policy isn’t legally required, it’s still highly recommended as there are still a number of drivers who choose to take to the roads without the necessary and legally required amount of auto insurance.

Auto Insurance Rates in Connecticut

The unfortunate news for drivers in Connecticut is that auto insurance rates are higher than in many areas of the country, partly due to the state’s tort auto insurance system. Under this system, drivers are required to carry higher coverage limits to protect themselves in case of a lawsuit, which can drive up premiums.

The average cost for a year’s worth of auto insurance in Connecticut is about $1,840, which is quite a bit higher than the national average of $1,440. This higher rate reflects the additional financial responsibility placed on drivers under the tort system compared to states with no-fault insurance systems.

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

There are, of course, many discounts to be from the competing auto insurance companies who are looking to win your business, so shop around to make sure you’re getting the best deal. Enter your ZIP code below to compare quote now.

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Connecticut Crash and Theft Statistics

News isn’t great for drivers in Connecticut when it comes to traffic crashes, and this has a lot to do with why the insurance costs are so high. Between 2000 and 2007 the number of traffic crashes rose from 82,777 to a high of 113,064, before declining somewhat to 104,187 in 2008, which is the last year that statistics are available.

Thankfully, fatalities caused by traffic accidents have remained essentially flat during this period. However, if you’re driving in Connecticut, it’s wise to consider combining insurance policies for added protection and potential savings.

While there’s always a risk of an accident, having comprehensive coverage can provide peace of mind.

Like most of the other states in the country, Connecticut has done a lot of work to improve law enforcement and vehicle theft prevention initiatives, and as a result, auto theft rates have plummeted. Since 2001, just a decade ago, vehicle thefts have been reduced from a total of 12,378 annually to just 7,476 in 2009.

This is a rather startling drop considering the population and the total number of vehicles in Connecticut has continued to rise each year. Connecticut auto insurance customers can be quite happy with these numbers, as they represent a direct impact on auto insurance costs.

Connecticut Auto Insurance Rates by Company

Though Connecticut is known for its overall low auto insurance rates, it’s beneficial to delve deeper into how these rates vary among major insurance companies. To find the best coverage, it’s beneficial to look for affordable instant auto insurance quotes that fit your needs.

Even within a state with generally affordable insurance, individual companies may offer significantly different rates based on their pricing models, coverage options, and risk assessments.

Buy Connecticut auto insurance with confidence. Just enter your ZIP code below to compare free Connecticut auto insurance quotes and get the best deal.

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