Good news for Connecticut drivers: Jerry’s latest data shows that liability coverage in the Constitution State averages about $419 per month. Over the past year we’ve helped 7,648 Connecticut drivers reduce their rates, and drivers who switch with Jerry save an average of $1,259 a year without sacrificing essential protection.
Jerry compares quotes from up to 5 trusted insurers in Connecticut to build your policy and lock in your best rate in minutes.
Save on Connecticut insurance with Jerry.
What Connecticut drivers are paying right now
Insurance rates in Connecticut move with traffic patterns, claim severity, theft trends and weather events. Even drivers with similar cars and clean records can receive very different premiums depending on ZIP code, vehicle age and how often they drive.
Jerry monitors live quotes across Connecticut to present a real-time snapshot of what drivers are paying. Here are some recent full coverage policies purchased through Jerry in the state:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Give your rate a quick check from time to time. In Connecticut, factors like urban traffic, higher repair costs and regional claim trends can quietly change what you’ll pay at renewal.
4 smart ways Jerry helps Connecticut drivers save on car insurance
Each insurer uses its own algorithm to weigh factors like dense urban traffic in Hartford and New Haven, theft and vandalism in coastal zones, and repair cost differences across ZIP codes. That means the same driver profile can lead to very different quotes depending on the company.
By comparing quotes side by side with Jerry, you get the fastest, most reliable way to find a better rate.
Here are our top tips to help you spend less and worry less.
| How to save | Average Connecticut driver savings |
|---|---|
| Compare quotes | 38% to 69% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Keep a clean driving record | 13% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Insurance pricing isn’t one-size-fits-all, and the same coverage can cost dramatically more or less depending on the company. The quickest, most effective way to secure a better rate is to compare quotes side by side, and Jerry makes that effortless.
Here’s where Connecticut drivers who saved most often switched last year after checking their rates with Jerry:
| Insurance carrier | Connecticut drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Your location strongly influences your rate in Connecticut. Jerry surfaces those differences so you can shop the best value instead of settling for the standard.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Connecticut drivers qualify for multiple discounts: bundling home and auto, safe-driver programs, paperless billing, vehicle safety features and more. But insurers don’t always apply them automatically.
Jerry finds which discounts you’re eligible for so your savings don’t get overlooked.
Key takeaway: Stacking discounts often beats raising your deductible when it comes to meaningful savings.
Jerry Agent Tip 3: Pick the right deductible
Raising your deductible can lower your premium, but only if you can cover that amount out of pocket when needed. In Connecticut you’ll face higher repair and part costs after filing a claim, especially in urban zones, so pick a deductible you’re comfortable with.
Here’s what Jerry drivers choose for their deductibles:
To find your ideal deductible:
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Check your car’s current value (Jerry tracks this for you).
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Choose a deductible you could realistically cover.
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Use Jerry to see how each deductible level changes your rate in real time.
The Jerry difference: You’ll get instant pricing for multiple deductible options so you can balance cost and protection confidently.
Jerry Agent Tip 4: Keep a clean driving record
In Connecticut, violations don’t just put points on your record, they also put pressure on your wallet. Jerry data shows that even a single infraction raises premiums by about 13% on average. Speeding on I-84, rolling a stop on a quiet back road or getting caught in a distracted-driving zone can all trigger higher rates that stick around for years.
The surest way to keep your costs down is to avoid citations whenever possible. And once a violation drops off your record, Jerry automatically re-shops your policy so you benefit from any price improvements the moment you qualify.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Connecticut requires 25/50/25 liability coverage plus matching uninsured/underinsured motorist coverage. But those minimums don’t protect your vehicle or all your risks. Here are the coverage tiers most drivers use:
Minimum
$131 – $225/mo
Meets Connecticut’s legal requirements but won’t cover damage to your own car.
Full
$199 – $394/mo
Adds collision and comprehensive coverage, usually required if your vehicle is leased or financed.
Standard
$233 – $481/mo
Includes higher liability limits, UM/UIM and medical payments, useful given urban crash cost trends.
Preferred
$243 – $529/mo
Higher limits, lower deductibles, and extras like rental reimbursement or towing mean fuller protection.
Key takeaway: Start with your comfort around risk and what your vehicle is worth. Let Jerry show real-time pricing for each tier so you can choose confidently.
The cheapest policy in Connecticut is liability and UM/UIM only. However, a few key add-ons can make a big difference if you ever need them. Here’s what each coverage tier provides.
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Coverage definitions
Connecticut insurance factors at a glance
From harsh winters to dense commuter traffic, where and how you drive in Connecticut has a big impact on what you pay for car insurance. Here’s a quick look at what influences your premium in Connecticut:
Urban traffic and repair costs
High congestion and higher labor rates in metro areas push premiums up.
Theft and vandalism
Some coastal ZIPs see a higher frequency of theft and damage, making comprehensive worth a look.
Vehicle value
More expensive repair parts mean higher premiums for newer or luxury cars.
Uninsured drivers
Nearly 12% of drivers in this state are uninsured — enough of a risk to make added UM/UIM coverage worth considering.
Connecticut Insurance After a Ticket, Accident or SR-22
One mistake doesn’t have to lock you into high rates forever. Jerry works with insurers that take a full view of your profile and re-shops your policy as your record improves.
If you got a ticket
Even minor traffic violations, like a small speeding ticket, can increase your premium in Connecticut. More serious offenses like DUIs will increase it even more. Defensive driving courses may help reduce the impact, but you’ll likely see a jump in premiums initially..
Once you’re signed up in the Jerry app, we’ll monitor your driving record and automatically shop for better rates as soon as your violation clears. So you never pay more than necessary.
Here are the average rate increases we’ve seen for Connecticut drivers after a ticket:
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Speeding under 15: -8%
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Speeding over 15: 17%
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Failure to obey traffic sign: 41%
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Reckless driving: 0%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Connecticut uses at-fault rules. If you’re responsible for an at-fault crash, premiums typically go up significantly — an average of 23%, according to Jerry data — and the increase can last three to five years.
Jerry locks in your best rate now and re-shops once the accident drops off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $393 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $440 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI triggers some of the steepest rate hikes possible in Connecticut, climbing an average of -20% based on recent Jerry data. Some insurers still offer fairer pricing for high-risk drivers, and Jerry identifies those carriers and re-shops automatically.
Here are the five cheapest insurance companies for Connecticut drivers after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $212 | Yes | |
| $386 | Yes | |
| $397 | Yes | |
| $444 | Yes | |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Connecticut
Connecticut may require an SR-22 if you’re convicted of certain violations, cause an uninsured crash, or let your coverage lapse. In the Jerry app, check the SR-22 option and we’ll show only insurers that file them. Some carriers charge about $25 per year for the filing.
Car Insurance with Bad Credit
Connecticut allows insurers to use credit-based insurance scores, so your credit history can impact your premium. But credit is just one factor. Your driving record, vehicle and coverage choices often matter more.
Jerry helps you compare rates instantly so you can find the best deal no matter your credit.
Average rates in Connecticut by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Connecticut’s mix of densely populated metro zones, high repair costs and moderate theft and claim risk means the best policy isn’t simply the cheapest. It’s the one that fits how you drive every day.
Jerry helps you build coverage tailored to life in Connecticut and re-shops automatically so you stay protected at the best possible rate.
Get Connecticut coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
