Key Takeaways

• Assurance America, National General and Progressive offer some of the cheapest car insurance in Connecticut.
• The average cost of minimum coverage in Connecticut is over $200 per month.
• Compare quotes from multiple insurers to find cheap car insurance in Connecticut.

You can get cheap car insurance in Connecticut from companies like Assurance America, National General and Progressive. These providers offer some of the most affordable rates in the Constitution state, according to real quotes for Jerry customers.

Whether you’re traveling Connecticut’s scenic roads, Shoreline Drive, or crossing the state’s impressive bridges, you’ll need an auto insurance policy to legally drive. Here are the cheapest car insurance companies in Connecticut for both minimum and full coverage, plus by age, driving history and low credit score.

Cheap minimum coverage in Connecticut

Minimum liability coverage in Connecticut offers a streamlined approach for drivers who need to satisfy legal insurance requirements without overextending their budget. This kind of policy addresses the costs associated with injuries or property damage you may cause to someone else in an accident. Since it doesn’t extend to your own car, it tends to be a good fit for cautious drivers or those with older vehicles.

Below are the cheapest auto insurers in Connecticut for minimum coverage.

Learn more: Cheap car insurance in Hartford, Connecticut

Minimum car insurance requirements in Connecticut

Connecticut law requires drivers to carry the following coverages, at minimum:

• $25,000 in bodily injury liability per person.
• $50,000 in bodily injury liability per accident.
• $25,000 in property damage liability per accident.
• $25,000 in uninsured/underinsured motorist bodily injury, or UMBI, coverage per person.
• $50,000 in uninsured/underinsured motorist bodily injury coverage per accident.

Cheap full coverage car insurance in Connecticut

Seeking cheap full coverage car insurance in Connecticut blends low costs with broad protection. Full coverage will help you with financially with issues like accidents, glass breakage, fire and theft — offering financial protection for your vehicle and liability costs to others. Though it costs more than minimal coverage, it’s essential if your car would be expensive to fix, since only full coverage will handle repairs or replacement following a serious event.

Here are the most affordable insurers in Connecticut for full coverage policies, according to real quotes for Jerry customers.

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

• 35-45 years old.
• Clean driving record.
• $50,000 in bodily injury liability, per person.
• $100,000 in bodily injury liability, per accident.
• $1,000 deductible for comprehensive and collision insurance.

Minimum vs. full coverage in Connecticut

Minimum coverage in Connecticut pays for others’ injuries or property damage in a crash you cause. If you’re in an accident with an uninsured or underinsured driver, you and your passenger’s injuries will be covered up to your UMBI limits. But damage to your own car isn’t covered by minimum coverage.

Full coverage includes Connecticut’s minimum requirements, plus collision and comprehensive coverage, which pays for damage to your car regardless of fault. Here’s what a full coverage policy typically includes:

• Liability insurance: Covers injuries or property damage you cause to someone else in an accident.
• Uninsured/underinsured motorist coverage: Pays for you and your passengers’ injuries if you’re hit by a driver with low liability limits, or no insurance whatsoever.
• Collision coverage: Pays for damage to your vehicle from an accident, regardless of who is found responsible. This coverage has a deductible. 
• Comprehensive coverage: Covers vehicle damage from events like weather, animal collisions and theft. This coverage has a deductible.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average car insurance costs for young drivers in Connecticut

In Connecticut, young drivers are often met with higher insurance premiums due to their limited road experience and a higher rate of insurance claims within their age group. Urban traffic and seasonal weather can amplify risk, making insurers cautious. Even those with clean driving histories may pay more simply due to their age bracket.

Below are the average costs of car insurance in Connecticut for drivers between 18 and 24.

Cheap minimum coverage in Connecticut for a 20-year-old

A 20-year-old in Connecticut might go with liability-only insurance to manage costs while still meeting state driving laws. Full coverage might not be worth it for a car that’s already depreciated in value and this leaner option keeps them on the road without breaking the bank.

These are the cheapest car insurance companies in Connecticut for 20-year-olds with minimum coverage, according to Jerry’s data.

Cheap full coverage in Connecticut for a 20-year-old

In Connecticut, a 20-year-old might go for full coverage to ensure their vehicle is protected from both accidents and unexpected damage regardless of who is at fault. This type of policy gives young drivers more security as they gain road experience and it can be a smart choice when dealing with unpredictable conditions and costly repairs.

Below are the cheapest auto insurers in Connecticut for 20-year-olds with full coverage.

Average auto insurance costs for mature drivers in Connecticut (25-54)

The average cost of car insurance typically drops as drivers get older and gain more experience on the road. Having years of safe driving under their belt suggests a decreased chance of filing a claim and insurance providers often reward that kind of predictability with better rates.

Below are the average costs of car insurance for drivers in Connecticut between the ages of 25 to 54.

Cheapest minimum coverage in Connecticut for a 35-year-old

In Connecticut, a 35-year-old might select liability-only insurance if they drive a car that’s more functional than valuable. Their driving experience helps reduce the likelihood of at-fault accidents, making minimal coverage feel sufficient. This choice keeps monthly expenses low while still meeting legal requirements.

Below are the cheapest auto insurers in Connecticut for 35-year-olds with minimum coverage.

Cheapest full coverage in Connecticut for a 35-year-old

A 35-year-old in Connecticut may lean toward full coverage auto insurance to safeguard a car they rely on in both snowy winters and dense urban traffic. The added protection can be essential in high-risk driving conditions and comprehensive policies cover more than just accidents, offering peace of mind in case of theft or weather damage.

These are the cheapest car insurance companies in Connecticut for 35-year-olds with full coverage, according to Jerry’s data.

Average car insurance costs for older drivers in Connecticut (55+)

Car insurance costs can start to creep back up once a driver reaches age 65, though Connecticut drivers over the age of 60 may qualify for a discount for completing a DMV approved accident prevention course.

Below are the average costs of car insurance for drivers in Connecticut 55 and older.

Cheapest minimum coverage in Connecticut for a 65-year-old

Connecticut seniors might scale back to liability-only insurance as their driving habits become less frequent and more predictable. If their vehicle is fully paid off and used sparingly, additional coverage may offer little benefit.

Here are the most affordable insurers in Connecticut for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Cheapest full coverage in Connecticut for a 65-year-old

For a 65-year-old in Connecticut, full coverage insurance offers a way to manage risks associated with winter weather and city driving. At this life stage, avoiding sudden expenses can be critical to maintaining financial stability. Seniors often need dependable transportation for appointments and social activities, making comprehensive protection valuable.

Here are the most affordable insurers in Connecticut for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.

Cheapest car insurance in Connecticut by driving history

Insurance companies in Connecticut rely on your driving history to judge how much risk you pose. A record that includes accidents or infractions may suggest a pattern of unsafe behavior and this helps insurers decide the types of coverage (and prices) they’re willing to offer.

Cheap car insurance for drivers with clean records in Connecticut

In Connecticut, a flawless driving record sets you apart as someone who takes safety seriously. Insurance providers often prioritize drivers who consistently avoid violations and this creates opportunities for more favorable policy terms.

These are the cheapest car insurance companies in Connecticut for drivers with clean driving histories, according to Jerry’s data.

Cheapest car insurance with a speeding ticket in Connecticut

Getting a speeding ticket in Connecticut may alert insurers to potential risk-taking behavior. Speeding is often interpreted as a signal that a driver might ignore important safety rules and this can influence how your insurance rate is determined. The violation may stay relevant in your profile for some time.

Here are the most affordable insurers in Connecticut for those with a speeding ticket, according to real quotes for Jerry customers.

Cheapest car insurance after an at-fault accident with no injury in Connecticut

An at-fault accident in Connecticut without injuries may still shift your insurance situation. Property damage and claim filings still represent liability and insurers take note of how these events reflect on your driving judgment. Even without injuries, these types of events can have financial consequences to your policy.

Here are the most affordable insurers in Connecticut for those with an at-fault accident with no injury, according to real quotes for Jerry customers.

Cheapest auto insurance after an at-fault accident with injury in Connecticut

In Connecticut, being responsible for an accident with injuries is a serious mark on your driving history. Insurance providers treat this kind of incident as a major liability risk and it can affect your ability to qualify for favorable terms moving forward.

Here are the most affordable insurers in Connecticut for those with an at-fault accident with injury, according to real quotes for Jerry customers.

Cheapest car insurance with a DUI in Connecticut

A DUI in Connecticut signifies a serious breach of driving responsibility. It tends to trigger a significant reaction from insurance companies and you may be reclassified as a high-risk driver, which affects your premiums and policy access.

Below are the cheapest auto insurers in Connecticut for people with a DUI on their driving record.

Average auto insurance costs for Connecticut drivers with other violations

In Connecticut, actions like ignoring stop signs, driving without a valid license or reckless driving can tarnish your insurance profile. These violations imply a pattern of carelessness and insurers evaluate this behavior when setting your policy. Repeated offenses may reduce your insurance options over time.

Below are average car insurance costs in Connecticut for other driving violations.

Cheapest auto insurance for low credit scores in Connecticut

Connecticut insurers might consider credit scores to understand how drivers manage their overall responsibilities. A lower score could point to potential gaps in risk awareness and this can shape how rates are determined. It may also impact your access to specialized plans.

These are the cheapest car insurance companies in Connecticut for drivers with a credit score below 550.

Learn more: How a credit-based insurance score works

How to find cheap car insurance in Connecticut

Compare quotes from multiple insurers to get the most affordable policy. Don’t assume your current provider is the cheapest. 

Here are some other tips to save on car insurance in Connecticut:

• Ask about discounts.
• Bundle your home and auto insurance.
• Pay your premium in full.
• Install a telematics app on your phone.
• Improve your credit score.

More: Best car insurance companies

Factors that affect car insurance costs in Connecticut

Insurers base rates on various factors, which can include your:

• Age.
• ZIP code.
• Driving record.
• Vehicle type.
• Credit score.
• Claims history.
• Deductible amount.
• Marital status.
• Gender.

More: How car insurance rates are calculated

Cheapest car insurance data 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.

On this page

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