Connecticut Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Connecticut car insurance averages about $232 a month ($2,780 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 1% below the national average in our data. It’s higher than in Massachusetts but lower than in New York and Rhode Island. Full-coverage averages statewide run from about $150 to $265 a month across the four major insurers we compared (Allstate, Amica, GEICO and Progressive).

Connecticut car insurance: key numbers

• Full coverage: about $232 a month ($2,780 a year)
• Liability only (20/40/10): about $88 a month
• Recent price change: +1.5% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Greater Bridgeport Planning Region (about $282 a month) and Southeastern Connecticut Planning Region (about $197)

Where you live matters. The state’s largest cities cost the most in our data: Bridgeport averages about $324 a month for full coverage, Hartford $316, Waterbury $301 and New Haven $301. Eastern Connecticut costs the least, and the Southeastern Connecticut Planning Region averages about $197. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 184 Connecticut ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

What’s the Average Cost of Car Insurance in Connecticut per Month?

The average cost of car insurance in Connecticut is about $232 a month ($2,780 a year) for full coverage and $88 a month ($1,055 a year) for liability-only coverage at 20/40/10 limits. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Connecticut averages $2,780 a year, or about $232 a month, for our benchmark driver. Liability-only coverage at 20/40/10 limits averages $1,055 a year ($88 a month), and 50/100/50 liability with comprehensive and collision averages $2,698 ($225 a month).

• Full coverage (100/300/100, $500 deductibles): $2,780 a year ($232 a month)
• 50/100/50 with $500 deductibles: $2,698 a year ($225 a month)
• Liability only (20/40/10): $1,055 a year ($88 a month)
• Bridgeport: $3,886 a year ($324 a month) for full coverage
• New Haven: $3,612 a year ($301 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Connecticut Compares With Neighboring States

Connecticut’s average is about $50 a month above Massachusetts’, $56 below New York’s and $16 below Rhode Island’s. It’s the 16th-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Connecticut: Companies Compared

• Full-coverage range: about $150 to $265 a month across the four insurers in our rate data, for the same driver and car.
• Liability only (20/40/10): about $55 to $109 a month across the four insurers.
• State Farm (Nov. 2025 rates)*: about $281 a month for full coverage, from its November 2025 rates.
• Also on our list: Travelers at about $114 a month, USAA at $136, Kemper at $181 and Nationwide at $224 (USAA sells only to military families).
• Most expensive in our data: Allstate and Amica, effectively tied at about $265 and $259 a month for full coverage.

GEICO’s Connecticut average, about $150 a month, is 41% below Progressive’s ($253), a lead wide enough that we show the range instead of naming a single cheapest insurer. The published 2026 statewide Connecticut rate studies we reviewed most often rank GEICO cheapest for full coverage: three of the six put it first, two rank Travelers and one Encompass, apart from USAA, which sells only to military families. For liability-only coverage at 20/40/10 limits, averages run from about $55 to $109 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.

Amica’s Connecticut prices apply to drivers who’ve been insured for at least three years with a previous liability limit of at least 100/300. Drivers without that history may not qualify for these rates.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in Connecticut

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Rates change by city and ZIP code across Connecticut. Enter yours to compare quotes.

How Connecticut’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Connecticut?

Yes, for our benchmark driver. Comparing the same insurers in the same Connecticut ZIP codes, full coverage averaged $2,739 a year nine months earlier and $2,780 in rates as of Aug. 31, 2026, a 1.5% increase. Amica raised its average 5.0% and Progressive 0.5%, while Allstate’s and GEICO’s averages were unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/10 limits rose 2.0%, led by Amica, which raised its liability-only average 4.7%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Connecticut Car Insurance Costs

Connecticut’s full-coverage average is the 16th-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• The big cities. Bridgeport, Hartford, Waterbury and New Haven are the four most expensive places we price, each about $301 a month or more, while Stamford averages $245 and Norwalk $231.
• Required uninsured and underinsured motorist coverage. Every Connecticut policy includes it, at your liability limits unless you ask in writing for less.
• How rates are set. Connecticut’s Insurance Department reviews auto rate filings each year. Property damage liability and physical damage coverages are file-and-use, so they don’t need approval in advance, and the department reports that private passenger auto rates rose an average 4.1% in 2025, down from 8.9% in 2024.

Connecticut Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, Bridgeport is the most expensive, at $324 a month for full coverage, followed by Hartford at $316 and Waterbury at $301. West Hartford is the least expensive, at about $219. Across all 145 cities and towns we price, averages run from about $324 in Bridgeport to $189 in Groton and Mystic.

The table lists all 145 Connecticut cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Connecticut City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Connecticut Car Insurance Rates by Planning Region

The Greater Bridgeport Planning Region is the most expensive planning region in our data, at about $282 a month for full coverage, followed by the South Central Connecticut Planning Region ($261) and the Naugatuck Valley Planning Region ($255). The least expensive are the Southeastern Connecticut Planning Region ($197), the Northeastern Connecticut Planning Region ($199) and the Lower Connecticut River Valley Planning Region ($201). We price all 9 of Connecticut’s planning regions. Connecticut’s nine planning regions replaced its eight counties as the state’s county-level areas in federal statistics.

How Much More Does Better Coverage Cost in Connecticut?

Raising liability limits from 50/100/50 to 100/300/100 adds about $82 a year on average statewide in our data, with the same $500 deductibles. Across the four insurers, the change runs from $57 less a year (Amica) to $283 more (Progressive). Statewide, that’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Amica and GEICO charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Connecticut Car Insurance Rules at a Glance

What Car Insurance Is Required in Connecticut?

Connecticut drivers must carry liability insurance and uninsured/underinsured motorist coverage, according to the Connecticut Insurance Department. The minimum policy, in effect since Jan. 1, 2018, is:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $25,000 in property damage liability.
• $25,000 per person and $50,000 per crash in uninsured and underinsured motorist coverage.

Before 2018, the minimum was 20/40/10. Your uninsured and underinsured motorist limits match your liability limits unless you ask in writing for less and sign an informed consent form, according to the Insurance Department.

Connecticut repealed its no-fault insurance law effective Jan. 1, 1994, and doesn’t require personal injury protection. Your insurer tells the DMV when you cancel, and if your coverage lapses for more than 14 days, the Connecticut DMV mails a registration suspension notice and charges a $200 fine. You can show your insurance ID card on your phone.

How to Lower Your Car Insurance Rate in Connecticut

1. Quote several insurers. Among the four major insurers we compared in Connecticut, the lowest and highest averages are about $115 a month apart for the same driver and car.
2. Compare GEICO, Progressive and Amica first. GEICO averages about $150 a month for full coverage among the four major insurers we compared in Connecticut, and Progressive and Amica are effectively tied for next, at about $253 and $259 a month.
3. Keep your uninsured motorist limits high. In Connecticut they match your liability limits unless you ask in writing for less and sign an informed consent form, and they can’t go below $25,000 per person and $50,000 per crash.
4. Ask about underinsured motorist conversion coverage. It’s optional in Connecticut, and the Insurance Department says it isn’t reduced by payments from any source.
5. Don’t let coverage lapse. Insurers report cancellations to the DMV, and a lapse of more than 14 days brings a registration suspension notice and a $200 fine.
6. Know how credit is used. Connecticut insurers can use credit information, but the Insurance Department says they can’t deny, cancel or refuse to renew your coverage based solely on credit.
7. Compare at every renewal. Over the past nine months, Amica has raised its average 5.0% and Progressive 0.5%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
9. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Connecticut home insurance rates and our home insurance guides for Bridgeport, New Haven and Stamford, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

Compare Connecticut Car Insurance Quotes

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How We Calculated Connecticut Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 736 full-coverage premiums from four insurers across 184 Connecticut ZIP codes, plus the same number of liability-only and 50/100/50 premiums. Amica’s prices apply to drivers who’ve been insured for at least three years with a previous liability limit of at least 100/300; drivers without that history may not qualify for these rates.
• Insurer count: our Connecticut averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/10 limits, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision. Connecticut’s minimum has been 25/50/25 since Jan. 1, 2018, so our liability-only prices use lower limits than the law requires.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Connecticut rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Connecticut law and the Connecticut Insurance Department. We refresh these figures when new rate data is released.

More Connecticut Car Insurance Breakdowns

The tables in this section come from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use them to see how your town, your age, your car and your driving record change what you pay.

Connecticut Car Insurance Rates in 312 Cities and Towns

This analysis covers 312 Connecticut places, from about $190 a month for full coverage in Conning Towers Nautilus Park to $302 in Bridgeport. Search the table for your town.

How Does Age Affect Car Insurance Costs in Connecticut?

Younger drivers pay the most. In this analysis, a 17-year-old pays about 3.4 times what a 39-year-old pays for full coverage. Prices fall through a driver’s 20s, stay close to flat through the 60s and rise again after that.

Connecticut Car Insurance Rates by Vehicle Type

An SUV is the least expensive vehicle type to insure in this analysis, at about $180 a month for full coverage, and a luxury coupe the most expensive, at $270, about 50% more.

Connecticut Car Insurance Rates for New Vehicles

Insuring a new car costs more. For new vehicles in this analysis, full coverage runs from about $205 a month for an SUV to $323 for a luxury coupe.

How Do Tickets and Accidents Affect Car Insurance in Connecticut?

A driving record changes the price sharply. In this analysis, full coverage costs about $177 a month with a clean record, $201 after one speeding ticket, $249 after one at-fault accident and $321 after one DUI, about 81% more than a clean record.

Connecticut Car Insurance FAQ