Connecticut Car Insurance Rates
Estimated auto insurance rates in Connecticut for 2018 are $1,750 a year for full coverage insurance. Comprehensive, collision insurance, and liability cost approximately $390, $712, and $452, respectively. Hartford, New Haven, and Bridgeport average the highest average rates, and the two most popular companies in Connecticut are Geico and Allstate.
Average rate for full coverage: $1,750
Price estimates by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range of Car Insurance in Connecticut
For a driver around age 40, insurance rates range from as cheap as $536 for just liability insurance to a high of $3,782 for a high-risk insurance policy.
These rate differences illustrate why it is important to compare rates using their specific location and their own personal driving habits, instead of depending on average rates.
Use the form below to get accurate rates for your location.
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Recommended Companies for Cheap Connecticut Insurance
The chart estimates Connecticut auto insurance prices for various situations. The cheapest discount price is $1,005. Connecticut drivers who use higher $1,000 deductibles will pay about $1,498. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,750. Choosing low $100 deductibles for physical damage coverage can cost as much as $2,236. Drivers with multiple violations and accidents could be charged up to $3,782. The cost for full coverage insurance for a teenager is $6,440.
Insurance prices in Connecticut also have a wide range based on your vehicle choice, your risk profile, and physical damage deductibles and liability limits.
Your choice of vehicle is a large factor when calculating the price of insurance in Connecticut. Buying a less expensive and lower-performance model will save money on insurance due to cheaper repair costs and reduced frequency of accidents.
The next table shows car insurance premium estimates for some of the more popular vehicles in Connecticut.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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The company you choose definitely affects the cost of coverage. Each company has a different rate structure, and prices can change based upon different risk factors.
In Connecticut, auto insurance prices range from $985 with Utica National to as much as $3,469 with Hanover. Other companies like Travelers, Amica, and USAA fall in the middle. Those are not necessarily the exact rates you would pay, as your vehicle make and model, any driving violations, and your location in Connecticut all influence the price.
|Rank||Company||Market Share||Average Rate|
|Get Your Rates Quote Now|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,400 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $2,100 to $2,800 additional annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $740 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
Where you choose to live in Connecticut makes a big difference in auto insurance prices. Rural areas might see rates around $1,400 a year, whereas some neighorhoods in Hartford and New Haven may see rates upwards of $2,500. Even different areas within a few miles of each other in the same city can have significantly different rates.
These geographic rate differences emphasize the importance of getting rates for your specific Connecticut zip code.
With so much difference in prices, the only way to figure out which car insurance is cheapest is to get quotes from multiple companies. Every company uses a different method to calculate prices, and rates will be substantially different between companies.
Connecticut Auto Insurance Articles
- Who Has Cheap Connecticut Car Insurance?
- How Much Does Insurance Cost for a Dodge Ram in Connecticut?
- Cheap Insurance Quotes for a Toyota Camry in Connecticut
- Cheapest Car Insurance Quotes for Drivers with a DUI in Connecticut
- Cheapest Car Insurance for Drivers with Accidents in Connecticut
- Best Cheap Insurance for a Nissan Altima in Connecticut
- Cheap Insurance for a Nissan Rogue in Connecticut
- Who Has the Cheapest Insurance for a Honda CR-V in Connecticut?
- Cheap Insurance for a Ford Escape in Connecticut
- Cheap Auto Insurance for High Risk Drivers in Connecticut
- Who Has the Cheapest Insurance Quotes for a Jeep Grand Cherokee in Connecticut?
- Cheap Insurance for a Ford Fusion in Connecticut
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$131|
|5-yr Claim Free||$113|
|Paid in Full/EFT||$82|
Discounts are estimated and may not be available from every company or in every state.