Best Car Insurance in Connecticut for 2025 [Your Guide to the Top 10 Companies]
The best car insurance in Connecticut comes from Geico, State Farm, and Progressive, with rates starting at just $32/mo. Geico is the priority for offering Connecticut drivers affordable rates and 25% bundling discounts. While State Farm is known for customer service, Progressive offers flexible policies.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Mar 13, 2025
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17,760 reviewsCompany Facts
Full Coverage in Connecticut
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
13,128 reviewsCompany Facts
Full Coverage in Connecticut
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsGeico, State Farm, and Progressive are the best car insurance in Connecticut, offering monthly rates beginning at $32 only from Geico for full insurance coverage.
Check out our car insurance guide highlighting top providers: Geico offers a 25% bundling discount and affordable rates, State Farm has the best local agents and a monthly cost of $47, and Progressive features flexible policies with a 15% early signup discount.
Our Top 10 Company Picks: Best Car Insurance in Connecticut
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | A++ | Affordable Rates | Geico |
 | #2 | 17% | B | Customer Service | State Farm |
 | #3 | 10% | A+ | Flexible Policies | Progressive |
 | #4 | 25% | A+ | Comprehensive Coverage | Allstate |
 | #5 | 10% | A++ | Military Families | USAA |
 | #6 | 13% | A++ | Customizable Policies | Travelers |
 | #7 | 25% | A | Customizable Coverage | Liberty Mutual |
 | #8 | 20% | A+ | Family Discounts | Nationwide |
 | #9 | 20% | A | Policy Bundling | Farmers |
 | #10 | 25% | A | Loyalty Rewards | American Family |
This guide provides a broader range of options for local drivers for the most suitable Connecticut car insurance company. Enter your ZIP code to compare affordable Connecticut car insurance rates for more direct and informative estimates.
- Connecticut’s best car insurance are Geico, State Farm, and Progressive
- Geico offers the most affordable rates with a 25% bundling discount
- StateFarm is known for personalized car insurance needs in Connecticut
#1 – Geico: Top Overall Pick
Pros
Pros- Affordable Premiums: Geico offers the most affordable rates in Connecticut for local drivers, providing a 25% discount for bundling services, and has an A++ financial strength.
- Policy Customization: Geico offers multiple options to help with different driving needs, making it great for those on a budget.
- Convenient Digital Tools: Geico claims its reputation for being a top choice due to its smooth app and website.
Cons
- Inconsistent Local Service: Some customers have had problems with the service, which may make it less appealing, even though it has high ratings.
- Limited Office Locations: Having fewer offices may make it difficult for people who need help in person. See for great perks and if will Geico insure a car not under your name.
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#2 – State Farm: Customer Service Leader
Pros
Pros- Personalized Assistance: State Farm ensures that the driver’s concerns in Connecticut are addressed more easily with their local representatives.
- Safety Incentives: The company offers a program called “Drive Safe & Save,” supporting local safe drivers.
- Multiple Discounts Available: Drivers can save more with various discounts, like bundling, good driver, and student discounts.
Cons
- Higher Costs: Premiums are often higher than those of rivals, even with a B rating for financial strength.
- Few Tech Features: The app lacks some advanced features found in different top insurers. Not satisfied enough, see our State Farm car insurance review for more details.
#3 – Progressive: Flexible Coverage
Pros
Pros- Snapshot Program Rewards: Progressive discounts safe drivers, benefiting people with policies in Connecticut.
- Early Signing: Customers in Connecticut can save up to a 15% discount by early enrollment in Progressive’s car insurance.
- Affordable Full Coverage: Starting rates of $69 for full coverage make it competitive. Read our Progressive car insurance review for more information.
Cons
- Inconsistent Claims Experiences: Customer feedback indicates that interactions with claims can differ, and some drivers may not be happy about it.
- Coverage Lapse Penalties: Premiums increase significantly if a policy lapses, so it’s important to keep continuous coverage.
#4 – Allstate: Comprehensive Protection
Pros
Pros- Wide Coverage Choices: Allstate offers a variety of coverage options, including accident forgiveness and other add-ons, to meet different needs.
- Bundling Discounts: Drivers can get exciting 25% discount when you combine car and home insurance.
- Technology Integration: Digital tools make policy control easier for drivers in Connecticut.
Cons
- Premiums Above Average: High costs could be a problem, even though it has a great A+ financial strength ranking.
- Strict Discount Criteria: It’s more difficult to get discounts than with other companies. To look more prominent and exciting deals, hurry and check our Allstate car insurance review.
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#5 – USAA: Military Family-Focused
Pros
Pros- Great Service: It is known for its great service for prioritizing strong finances and consistently happy customers.
- Specialized Coverage: Options like vehicle storage protection are designed especially for military members.
- Military Family Benefits: To show its commitment to personalized service, the USAA insurance caters military families by offering exclusive savings to military families.
Cons
- Restricted Eligibility: Only service members and their families can join, which makes it less available to others.
- Fewer Physical Locations: Its small number of sites may not be handy for some people in Connecticut. For more appealing and exciting offers, quickly visit our USAA car insurance review.
#6 – Travelers: Customizable Options
Pros
- Hybrid Vehicle Discounts: Special rates for drivers who care about the environment make these cars more appealing.
- Reliable Financial Support: Its rate of A++ grade guarantees dependable payouts for claims.
- Multi-Policy Savings: Combining insurance gives discounts, making it great for families. To find more noteworthy deals, visit our car insurance with telematics guide.
Cons
- Higher Full Coverage Rates: Some insurance options cost more than similar ones from other companies.
- Claims Handling Issues: There are concerns about how long it takes to process claims.
#7 – Liberty Mutual: Diverse Savings Options
Pros
Pros- Forgiveness Features: It provides policies that stop rate increases after small crashes are notable.
- Savings for Eco-Friendly Cars: Discounts for hybrid vehicles encourage sustainable choices.
- Simplified Digital Access: A well-designed app helps the Connecticut drivers in quick claims and account management.
Cons
- Costly Coverage Options: Premiums for whole policies may stretch budgets.
- Delays in Claims: Processing timelines could frustrate policyholders. Read our guide on Liberty Mutual car insurance review for more information.
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#8 – Nationwide: Family-Oriented Savings
Pros
Pros- Paid in Full Discount: You can get a 15% discount when you avail yourself of your car insurance in full payment.
- More Discount: Homeowners in Connecticut can benefit from the 15% discount provided by Nationwide.
- Personalized Consultations: The “On Your Side Review” ensures that policies fit the wants of drivers in Connecticut.
Cons
- Selective Discounts: Not all discounts are offered in every state. Discover more in our Nationwide car insurance review for more bundles and information.
- Limited Digital Features: Its digital features are not as advanced as those of some of its competitors.
#9 – Farmers: Comprehensive Bundles
Pros
- Accident-Free Rewards: Rewards like 25% discount for safe driving encourage careful drivers.
- New Car Replacement: This special covering for new cars makes it more desirable for people who have just bought a car.
- Homeowner Discounts: Property owners in Connecticut may enjoy extra savings with 15% discount.
Cons
- Higher Initial Rates: Premiums are usually more costly than other choices. Fill your knowledge with our Farmers car insurance review.
- App Limitations: The mobile app has fewer features than the leading companies.
#10 – American Family: Rewards Loyalty
Pros
- Advance Signing: Residents of Connecticut have the opportunity to receive a discount of up to 15% by enrolling early with American Family.
- Save Money: Residents of Connecticut can take advantage of the 15% discount offered by American Family.
- Eco-Friendly Incentives: Drivers who care about the environment can save money by choosing paperless bills.
Cons
- Restricted State Availability: Service is only available in certain areas, including Connecticut. Compare the offers in our American Family and State Farm review to find great deals.
- Higher Starting Costs: Initial rates are usually more expensive than competitors. Compare the offers through our American Family vs. State Farm review to check big deals.
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Best Car Insurance Companies in Connecticut
With over two million cars in Connecticut requiring insurance, car insurance companies are numerous. With all of them competing for your attention, picking out the best insurance company that meets your needs is really hard!
Connecticut Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $101 | $196 |
| $65 | $125 |
| $78 | $151 |
| $32 | $62 |
| $104 | $201 |
| $58 | $112 |
| $69 | $133 |
| $47 | $91 |
| $43 | $83 |
| $40 | $77 |
Companies also tend to make the same promises, making it hard to know which company is best.
Auto Insurance Discounts From Top Connecticut Providers
| Insurance Company | Multi-Car | Safe Driver | Early Signing | Paid-in-Full | Homeowner |
|---|---|---|---|---|---|
 | 15% | 20% | 10% | 15% | 10% |
 | 20% | 15% | 15% | 10% | 15% |
 | 10% | 25% | 10% | 10% | 10% |
 | 15% | 25% | 10% | 10% | 15% |
 | 20% | 15% | 15% | 15% | 20% |
 | 15% | 20% | 10% | 15% | 15% |
 | 20% | 20% | 15% | 10% | 10% |
 | 15% | 20% | 10% | 10% | 10% |
 | 10% | 15% | 15% | 10% | 15% |
 | 20% | 25% | 10% | 15% | 20% |
To help you make the right choice, we’ve collected everything you need to know.
From auto insurance companies’ ratings to premium rates, keep reading to learn everything you need about Connecticut’s insurance companies and the different types of car insurance coverage available.
Cheapest Companies in Connecticut
A collection of seaside cities and prestigious colleges, Connecticut features an array of state attractions. For those that live in Connecticut, though, vehicle transportation to Connecticut’s attractions requires car insurance.
We know that price is a large part of picking out an insurance company. That’s why we’ve included a list of the cheapest providers in Connecticut.
Geico and State Farm are both about 50 percent CHEAPER than the national average. That’s quite a big difference in cost!
Read more: minimum car insurance coverage
Connecticut Car Insurance Coverage and Rates
With so many rates and coverage options out there, it can be difficult to pick out ones that fit both your wallet and your needs. Additionally, every state has different coverage requirements, making moving even more confusing.
Connecticut Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bridgeport | 2,500 | 2,200 |
| Hartford | 4,000 | 3,500 |
| New Haven | 3,200 | 2,800 |
| Stamford | 2,700 | 2,400 |
| Waterbury | 1,800 | 1,500 |
Don’t worry, we are going to help guide you through the process of picking out coverage options by explaining what you need and what you should have.
5 Most Common Car Insurance Claims in Connecticut
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $3,000 |
| Single-Vehicle Accidents | 25% | $4,500 |
| Parked Car Damage | 20% | $1,500 |
| Side-Impact Collisions | 15% | $6,000 |
| Weather-Related Damage | 10% | $7,000 |
Keep scrolling to learn about Connecticut’s car insurance requirements and average rates.
Read more: car insurance quotes, tips, and savings
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Connecticut Minimum Car Insurance Coverage
It is against the law to drive without car insurance in Connecticut. At the bare minimum, Connecticut requires drivers to have bodily injury liability, property damage, and uninsured/underinsured coverages.
Connecticut Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Premium Savings | A | Competitive rates for safe drivers |
| Policy Options | A- | Offers customizable coverage options |
| Claims Processing | B+ | Moderate speed in processing claims |
| Customer Support | B | Responsive but room for improvement |
| Discounts Availability | B | Fewer discount opportunities compared to competitors |
Connecticut requires bodily injury and property damage coverages.
Our Top 3 Company Picks: Cheapest Car Insurance in Connecticut
| Insurance Company | Minimum Coverage |
|---|---|
| $32 |
| $40 |
| $43 |
So keep reading to save yourself the headache of sifting through pages of information or paying for expensive driving tickets. To begin, enter your ZIP code below.
Choosing the Best Car Insurance in Connecticut
To find the best car insurance company in Connecticut, look for one that is affordable, has good customer service, and offers flexible coverage options.
This guide lists the best insurance companies: Geico for drivers who want to save money, State Farm for excellent customer service, and Progressive for flexible policy choices.
Getting car insurance in Connecticut is essential to protect yourself financially, comply with state laws, and ensure coverage in case of accidents or damages.
Jeffrey Manola Licensed Insurance Agent
To get the best value, it’s smart to compare quotes from different providers, whether you want good rates, full coverage, or special deals. Enter your ZIP code now to find insurance choices that match your needs and budget.
Read more: How the States Rank on Uninsured Drivers
Frequently Asked Questions
How much is car insurance in CT per month?
The cost of car insurance in Connecticut varies based on factors like age, driving history, and coverage level. Still, the average monthly premium is around $100–$150, with the cheapest car insurance in CT options starting at $32 from Geico car insurance in CT.
Who has the cheapest car insurance rates in Connecticut?
The cheapest car insurance in Connecticut often comes from Geico, State Farm car insurance in CT, and The General car insurance in CT, with rates as low as $32 per month, depending on your profile. Enter your ZIP code to see more.
How can I find cheap car insurance in CT?
To find cheap car insurance in CT, compare Connecticut car insurance quotes from different car insurance companies in CT online, bundle policies, and check for discounts like safe driver or multi-policy savings. To elaborate more, view our car insurance basics.
What factors affect my Connecticut car insurance rates?
Your CT car insurance premium is influenced by your age, location, driving record, coverage level, and credit score, with auto insurance in 06519 often higher due to city traffic risks.
How can I get the best auto insurance in CT?
The best car insurance Connecticut drivers can get depends on customer service, coverage options, and affordability, with State Farm car insurance in CT and Geico car insurance in CT being popular choices. To check for more details, enter your ZIP code now.
Can I get cheap auto insurance in CT with a bad driving record?
Yes, some car insurance companies in CT specialize in cheap auto insurance in Connecticut for high-risk drivers, such as The General car insurance in CT, but expect slightly higher rates. Check these safe driving tips to guide you.
How much is car insurance in Connecticut for new drivers?
The cheapest car insurance in CT for new drivers are Geico, USAA, and Travelers. Geico provides the lowest monthly rate, starting at $32, while USAA offers rates beginning at $40, and Travelers starts at $43. It’s also a good idea to compare car insurance quotes in Ct and look for student discounts, which can help reduce your rates.
Where can I compare car insurance quotes in Connecticut?
You can compare car insurance quotes in Connecticut online through various tools that pull rates from top auto insurance Connecticut providers like Geico, State Farm, and The General. Do not forget to enter your ZIP code.
What is the minimum car insurance required in Connecticut?
CT car insurance law requires minimum liability coverage, including bodily injury and property damage, but full coverage is recommended for better protection. Check this tip on how to lower your car insurance cost for more details.
How do I find cheap auto insurance in Connecticut if I live in 06519?
To find cheap auto insurance in CT, especially in areas like auto insurance in 06519, get car insurance quotes CT from multiple providers, consider usage-based insurance, and bundle policies for discounts.