7 Best Car Insurance Companies in Connecticut of 2023
Connecticut is a quintessential New England state and is considered one of the wealthiest states in the US and one of the safest. There are tony suburbs like Greenwich and Ridgefield and urban cities like New Haven and Hartford.
Even though Connecticut has more suburban roads than highways, there’s always a chance you can get into a car accident if you’re not careful or if the other driver is not careful.
That’s why you should purchase auto insurance if you live in Connecticut.
Besides being mandatory, it’s essential to have.
The average cost of minimum coverage in Connecticut is $95 per month or about $1,140 per year. The average cost of full coverage car insurance in Connecticut is around $150 per month or $1,800 per year.
Auto insurance will cover you, your passengers, and your car if you get into an accident.
And it will also cover you if you injure another driver during a collision. It will pay for any medical bills that the injured person experiences.
And if you damage someone’s property while driving, such as back into someone’s fence, auto coverage will pay to fix or replace it.
However, many insurers cover the state, and picking the one that meets your exact needs can be daunting. So, what do you do?
We’re here to help. We’ve put together a list of the best car insurance companies in Connecticut that may give you an idea of what’s out there. Here is a guide about everything you need about auto insurance so you can pick the right coverages and know when and when not to increase your property coverage and liability.
Compare Car Insurance Rates in CT
The Best Car Insurance Companies in Connecticut
- Progressive: Best Car Insurance That Rewards You with Good Driving
- Amica: Best Car Insurance for Supplemental Coverage
- GEICO: Best Car Insurance for Cheapest Rates in CT
- Travelers: Best Car Insurance for New Car Replacement
- State Farm: Best Car Insurance for Bundling
- Liberty Mutual: Best Car Insurance for Full Coverage
- Farmers: Best Car Insurance with the Most Discounts
Progressive: Best Car Insurance That Rewards You with Good Driving
Progressive is known for its excellent auto coverage, and that’s why it’s popular with many car drivers.
Progressive is also known for personalizing your auto rate based on your driving.
Called Snapshot—which other insurers call “usage-based” insurance—can save you a lot of money because you pay based on how much you drive and how you drive, such as if you are a fast driver or keep getting violation tickets.
You'll get an automatic discount in most states based on your good driving habits—you’re driving up to the speed limit, for example. The discounted rate will be applied to your policy when you renew your auto policy with Progressive.
Snapshot is easy to use. You enroll in the program and use a plug-in device in your car or mobile app to track your driving habits.
You can check your status in the app or online.
Using the mobile app, you can get tips based on your driving to boost your driving score to get a discount.
In addition, the app can track you on a certain trip, whether driving to work or picking up your kids from school, which gives you info about how you’re driving. If you hard brake a lot of speed, you are incentivized not to do these things because you won’t get a discount or price break.
Read a full Progressive car insurance review.
Progressive Car Insurance Discounts
- Policy-related discounts: Progressive offers savings for purchasing multiple policies, insuring multiple vehicles, and maintaining continuous coverage without any lapses, even when switching between insurers.
- Driver-based discounts: Progressive provides discounts for safe drivers through its Snapshot Road Test program. Homeowners can also enjoy discounts; additional savings are available for households with young student drivers.
- Online discounts: Progressive offers extra savings when you obtain your quote online, purchase your policy online, or choose paperless billing. Paying your policy in full or enrolling in automatic payments are also ways to save on your insurance premiums.
Progressive Car Insurance Pros & Cons
- Snapshot “dashboard” only counts trips where you’re the driver.
- Snapshot gives you ways to improve your driving.
- Competitive rates for drivers with a DUI
- Multiple ways to get initial quote.
- High financial strength.
- Pet injury insurance included in most states if you buy collision coverage.
- Uninsured/underinsured motorist coverage.
- Has gap insurance.
- More expensive than similar insurers.
- Average customer service ratings.
- Snapshot program can raise rates for some drivers.
|J.D. Power (out of 1,000)||803|
|A.M. Best - Financial Strength Rating||A+|
|NAIC Complaint Index||2.24|
Amica: Best Car Insurance for Supplemental Coverage
Amica is one of the oldest car insurance companies in the U.S. It has been around since 1907.
Amica is known for its supplemental coverage options, which can make your auto policy more comprehensive. But remember that these coverages all have a price, just like add-ons or riders.
If you insure your car for a long period of time, refer new customers, or add other policies, you can earn points that can apply to accident forgiveness, which prevents an increase in your rates if you happen to be involved in a car accident.
The points you earn for good driving can also be used to reduce or eliminate your deductible.
Identity fraud monitors your financials, such as credit files and your personal business information, and the coverage even comes with a fraud specialist to assist you if your identity is being used fraudulently.
Full Glass Coverage
Unlike other insurers, glass repair or replacement comes with no deductible.
Prestige Rental Coverage
It pays up to $5,000 when you rent a car similar to your car and which is being repaired in a garage due to an accident.
Amica also offers free benefits that come with the standard policy. These include lock replacement, airbag repair, wage reimbursement if you have to appear in court, bail bonds, and depreciation protection.
Amica Mutual Car Insurance Discounts
- Payment discounts: Qualify for a discount by opting for convenient payment methods such as paperless billing, paying your premium in full, or enrolling in automatic payment.
- Policy discounts: Enjoy savings by being a homeowner, bundling your auto insurance with another policy, insuring multiple cars, or remaining with the same auto insurer for two years or more.
- Vehicle discounts: Benefit from discounts when your car(s) are equipped with safety features like airbags, anti-theft devices, adaptive headlights, collision avoidance features, and electronic stability control systems.
- Family discounts: Amica rewards families with young drivers who complete an accredited driver's course, study away from home without a car or maintain a B average. Legacy discounts are available to young policyholders whose parents have been loyal Amica customers for at least five years.
- Good-driving discounts: Earn a discount by maintaining a claims-free record for a minimum of three years. Enhance your savings by completing an approved defensive driving course, promoting safe driving habits.
Amica Mutual Auto Insurance Pros & Cons
- High customer satisfaction ratings.
- Low consumer complaints.
- Many policy perks and discounts.
- Potential for earning dividends.
- Rare coverages like glass deductible modification and identity theft
- Free coverages
- Live chat.
- Doesn’t offer deductible modification.
- No better car replacement.
- Discounts not available in all states.
|J.D. Power (out of 1,000)||891|
|A.M. Best - Financial Strength Rating||A+|
|NAIC Complaint Index||1.32|
GEICO: Best Car Insurance for Cheapest Rates
GEICO was founded in 1936 and offers the most affordable coverage overall in Connecticut. GEICO’s phenomenal rates are 25% lower than the national average.
GEICO’s full coverage is $150 monthly, and the minimum is $75 monthly.
GEICO has the cheapest average rates for customers with poor credit.
Remember that these average rates will differ in cost with each driver.
So, the best thing to do is get multiple car insurance quotes and compare them with GEICO.
Read a full GEICO car insurance editorial review.
GEICO Car Insurance Discounts
- Driver education discount: GEICO recognizes and rewards drivers who have completed a defensive driving course and young drivers in your household who have finished a driver's education course and maintain a good GPA in school.
- Driver-affiliation discounts: Eligible individuals, including active and retired military members, government employees, and members of various associations or companies, may qualify for additional discounts based on their driver affiliation.
- Vehicular discount: Benefit from potential discounts by equipping your car with excellent safety features such as anti-theft systems, anti-lock brakes, airbags, daytime running lights, and owning a car less than three years old.
- Driving habits discounts: Save on your premium by maintaining a clean, accident-free driving record for five years and consistently wearing your seatbelt.
- Policy discounts: Enjoy discounts for purchasing multiple policies or insuring multiple cars and maintaining continuous coverage without any lapses, even when switching between insurers.
GEICO Car Insurance Pros & Cons
- Lowest rates for drivers with poor credit.
- Has a usage-based app.
- Prices are the most competitive in comparison to other insurers.
- Nearly instant claims.
- Easy online quoting and purchasing.
- Multi-purpose app.
- Higher-than-average rates for drivers with a DUI.
- No local presence.
- No phone support except for emergencies.
|J.D. Power (out of 1,000)||824|
|A.M. Best - Financial Strength Rating||A++|
Travelers: Best Car Insurance for New Car Replacement
Travelers are best known for their auto coverage. You can get accident forgiveness, roadside assistance, and gap insurance from the insurer.
But the company’s best coverage is its new car replacement.
If your car is totaled in the first five years of ownership, the new car will replace your new and new-ish car with a brand-new vehicle of the same make and model.
A new car is unique because comparable insurers offer coverage for the first two or three years.
Since you are getting your old car back, it doesn’t work in your favor if you don’t want the same car. But if you are happy with your car, you should get this coverage.
If you want a new car replacement, remember that you may not get it if the car was stolen, damaged due to fire, or lost from floods.
New car replacement coverage is a package designed to include gap coverage and a glass deductible.
Travelers Car Insurance Discounts
- Policy purchase discounts: Save in various ways by bundling your auto policy with another, obtaining policies for multiple cars, and benefiting from additional discounts for maintaining continuous auto coverage. Optimize your savings by selecting paperless policies or billing, paying your premium in full, enrolling in auto-pay, and obtaining a quote before your previous policy expires, maximizing your cost efficiency.
- Affinity discount: Travelers provides exclusive rates and savings for members of specific businesses, associations, and credit unions, allowing them to enjoy special benefits.
- Driver-based discounts: Homeowners and owners with a clean record, free from accidents and violations, may qualify for discounts based on their responsible driving behavior.
- IntelliDrive® program: Join Travelers IntelliDrive® program and receive rewards for practicing safe driving habits, earning recognition for your responsible behavior behind the wheel.
- Student/youth discounts: Households with young drivers and/or students can access three different discounts tailored to their specific needs, helping them save on their insurance premiums.
- Vehicle-based discounts: Drivers of hybrid/electric cars and new vehicles can enjoy savings based on the characteristics of their automobiles, promoting eco-friendly and up-to-date driving experiences.
Travelers Car Insurance Pros & Cons
- Received fewer customer complaints than expected.
- Lots of coverage options.
- New driver discount.
- Lengthy new car replacement coverage.
- Easy car insurance quotes process.
- Plenty of discounts to lower the premium.
- Good average auto rates for drivers with DUI.
- Usage-based insurance program.
- Below average customer satisfaction ratings
- Rates increase if you add teen driver.
- Less likely to be recommended by customers than other insurers.
- Not available in every state.
|J.D. Power (out of 1,000)||824|
|A.M. Best - Financial Strength Rating||A++|
|NAIC Complaint Index||3.88|
State Farm: Best Car Insurance for Bundling
The average rate in CT for State Farm’s full coverage is $125 per month or $1,500 per year.
State Farm’s minimum coverage is $110 per month.
State Farm can offer cheap rates because the company has more customers than any other provider, and its large market share allows the insurer to keep its prices competitive.
State Farm Car Insurance Discounts
- Policy-based discounts: Save money by insuring multiple vehicles or combining your auto insurance with another policy, benefiting from reduced premiums and increased cost-effectiveness.
- Vehicle-related discounts: Enjoy savings by owning newer vehicles with a range of safety features. These safety features enhance your protection and help you accumulate cost savings on your insurance premiums.
- Driver-based discounts: State Farm provides discounts for various driver profiles, including seniors, young drivers with good academic performance or completion of an eligible driver's education course, and individuals who have completed a defensive driving course. Additionally, drivers who are the sole operators without other qualified drivers in their homes may also qualify for a discount.
State Farm Car Insurance Pros & Cons
- Get to work with an insurer that provides solid rates across the nation.
- Affordable rates.
- Many local agents across the US.
- Mold coverage.
- No restricted dog breeds.
- Standard policies offer extensive coverage (personal property coverage starts at $20,000).
- Pays for rental car while car is being repaired as a result of covered collision.
- Mixed online customer and business ratings.
- Needs more coverage info online.
- Doesn't offer gap insurance.
- Higher rates for drivers with poor credit.
|J.D. Power (out of 1,000)||814|
|A.M. Best - Financial Strength Rating||A++|
|NAIC Complaint Index||4.29|
Liberty Mutual: Best Car Insurance for Full Coverage
Liberty Mutual has been in the auto insurance business for over 100 years. It’s a trusted brand name that offers basic renters insurance as well as full coverage.
Full coverage is made up of collision coverage and comprehensive coverage
Collision coverage covers you, someone, or something that collides with your vehicle. The coverage allows your insurer to repair or replace your car due to damages.
Comprehensive coverage covers damage done to your vehicle by natural disasters or vandalism.
The coverage has nothing to do with a collision. Instead, the coverage protects your car from fire, a storm, or a flood, as well as hitting an animal or falling trees.
If you paid off your car, comprehensive coverage is optional.
But if you’re financing or leasing your car, your lender may require you to have comprehensive coverage.
Read a full Liberty Mutual car insurance review.
Liberty Mutual Car Insurance Discounts
- Policy discounts: By insuring multiple vehicles or bundling multiple policies with Liberty Mutual, you can enjoy cost savings. Furthermore, online policy purchases, automatic payments, and paperless policies can also earn you additional discounts.
- Driver-based discounts: Liberty Mutual offers discounts to eligible households and drivers. This includes homeowners, members of the military, and households with students. Early shoppers can also take advantage of special discounts.
- Driving record discounts: Drivers who maintain a violation-free and claims-free record, as well as those who enroll in the RightTrack program, have the opportunity to access extra savings on their Liberty Mutual car insurance premiums.
Liberty Mutual Car Insurance Pros and Cons
- New car replacement available.
- Offers better car replacement, which many insurers don’t offer. If car is totaled, you get a car one year newer and with 15,000 fewer miles on it than the totaled car.
- Offers gap insurance.
- Offers Original Parts Replacement.
- Many types of coverage available.
- Plenty of discounts.
- Mobile app allows you to request a rental car or contact emergency roadside assistance.
- Coverage calculator on the website makes recommendations on what you need best.
- Auto claims satisfaction rating is below average.
- Higher policy rates based on credit score and driving record.
|J.D. Power (out of 1,000)||818|
|A.M. Best - Financial Strength Rating||A|
|NAIC Complaint Index||1.80|
Farmers: Best Car Insurance with the Most Discounts
Farmers auto policy has slightly higher rates than its competitors. However, Farmers' rates can be more competitive if you qualify for discounts that the insurer offers, which will lower your premium.
Farmers has the most discounts available in comparison to other insurers.
Farmers Car Insurance Discounts
- Policy discounts: Bundle your auto insurance with home, life, umbrella, business, or other specialty policies to enjoy savings. Insuring multiple cars can also lead to discounts. Additionally, take advantage of extra discounts during renewal.
- Payment discounts: Save by paying your premium full or enrolling in automatic payments.
- Car features: Vehicles equipped with safety features like anti-lock brakes, airbags, GPS tracking, daytime lights, and anti-theft devices can earn you additional discounts.
- Shared Car discount: You receive a per-car discount if your household has more active drivers than vehicles.
- Student/youth discounts: Families with good students or those studying away from home without a car can qualify for savings. Discounts are also available for households with young drivers or drivers who have moved out of their parent's home.
- Senior driver discount: Drivers aged 55 and older who have completed an approved defensive driving course are eligible for this discount.
- Driver-based discount: Safe drivers and homeowners can qualify for discounts, even if their home is insured through another carrier.
- Affinity discount: Farmers offers an exclusive discount for members of select associations, professions, and active/retired military personnel.
Farmers Car Insurance Pros & Cons
- Excellent selection of coverage options and add-ons.
- Customized mobile app.
- Customer service is highly rated.
- Handles claims promptly.
- Fewer complaints than expected for a company of its size.
- Premium rates are higher than the national average.
- Slow roadside assistance.
|J.D. Power (out of 1,000)||839|
|A.M. Best - Financial Strength Rating||A|
|NAIC Complaint Index||1.19|
How Does Car Insurance Work?
Auto insurance pays for bodily injuries or property damage resulting from a car accident for which you are legally responsible.
Do All US States Require Car Insurance?
No. Virginia and New Hampshire are the only states where car insurance is not mandatory.
What Does Car Insurance Cover?
Your coverage will vary by state. However, to drive your car in Connecticut, there are two main components of an auto insurance policy that you need to have: bodily injury liability and property damage liability.
These are covered in your basic policy.
Liability insurance covers property damage or injuries you may have caused to others in an accident. Liability also includes medical payments if you or your passengers were injured in a car accident.
Bodily injury liability pays for injuries you cause to another driver if you are at fault in the accident. It covers a driver’s medical expenses and lost wages if the driver can’t work due to injuries.
Property damage liability kicks in when you damage another person’s property while driving, such as colliding with a fence or ruining a garage or other structure. Property damage will cover any expenses related to repairs or replacements.
What Type of Auto Insurance is Required in CT?
Connecticut drivers must carry the following required minimum car insurance coverages and limits:
Bodily injury liability
$25,000 per person and $50,000 per accident.
Property damage liability
$25,000 per accident.
$25,000 per person and $50,000 per accident.
Should I Increase My Limits?
The above minimum limits aren’t enough to cover expensive medical treatments or extensive damages to another car.
If you have bodily injuries after crashing your car or are totaled and need medical attention, more liability will help you.
If your policy limits are exhausted, or you have reached your accident limits, you will be held responsible for the remaining out-of-pocket costs.
As such, increasing your liability limits beyond the required amount is strongly suggested.
Personal Injury Protection Coverage
If you want coverage for yourself and your passengers if any of you gets injured in an accident, regardless of fault, you may need to add personal injury protection coverage (PIP).
In fact, in certain states, personal injury protection coverage may be a requirement for a driver.
Another coverage typically offered under an auto insurance plan is uninsured/underinsured motorist coverage.
This protects you when you have an accident where the other driver is at fault, and either doesn’t have insurance or else has insurance, but the limits on the policy are not enough to reimburse you for damages the other driver caused.
If you are involved in a collision with an uninsured/underinsured motorist, your auto policy will pay you the difference between your expenses and the policy limit of the other motorist.
The coverage for bodily injury for uninsured/underinsured motorist coverage in Connecticut is as follows:
- $25,000 per person
- $50,000 per accident
Do You Need Uninsured/Underinsured Coverage in Connecticut?
Yes, and it’s mandatory to have. By law, every auto policy issued in Connecticut is required to provide uninsured/underinsured motorist coverage.
The physical damage portion of an auto policy is optional. Your state will not require you to carry this coverage to register a car, but your lender may require it if you loan or lease the car.
Physical damage contains the following coverages:
Comprehensive coverage covers events such as fire, theft, vandalism, glass breakage, and natural disasters like hail and falling snow.
So, comprehensive coverage pays for your vehicle when you cause physical damage due to a non-collision-related incident.
For example, if you hit a deer with your car, comprehensive coverage will pay for any repairs needed on the car.
Collision coverage protects your car against accidents.
Collision coverage pays for the repairs to your car if you come into contact with another car, object, or structure on someone’s property, such as a mailbox, tree, lamp posts, or other inanimate objects.
What Does Car Insurance Not Cover?
Regardless of the company, most insurers will not pay or replace any personal property left inside your car.
For example, auto insurance will not cover the loss if someone broke into your car and stole your expensive stereo equipment.
You need either a renter or a homeowners insurance policy to cover items in your car.
In addition, auto insurance will not cover the wear and tear of your vehicle, any damage you cause intentionally, or any mechanical failures unrelated to a covered peril.
Should You Buy Standard Coverage or Full?
You'll save money if you buy a standard auto policy with minimum coverage. But if you are at fault in an accident, you may have to pay out-of-pocket expenses.
Full coverage is recommended, as it comes with higher liability limits. You will have more financial protection, which is why most auto insurers recommend higher limits.
What Factors Determine My Car Insurance Rates in Connecticut?
- Vehicle Type: SUVs, convertibles, performance vehicles, and high-cost cars typically cost more to insure.
- Where you Park: Parking your car in a garage or a locked parking lot will decrease the likelihood that your vehicle will be stolen.
- Car Safety: Anti-theft devices on your car can lower your premium.
- Where you Live: If you live in an area susceptible to extreme weather conditions, heavy traffic, and risk of theft, these will cause your rate to increase.
Auto insurance policies also consider your driving record (your rate will be lower if yours is clean), your claims history (the more claims you make will increase your rates), and your credit history (if you say you have a great score above 650, insurers will assume you are reliable and pay your premium on time.)
Connecticut is one of the safest states in the US, but your premium will increase if you live in certain towns that have high crime rates.
These cities include New Britain, Hartford, Bridgeport, and New Haven.
How Can I Get a Lower Premium?
The best way to get a rate that fits your budget is to shop around and get quotes from several insurers.
A quote is an estimate of your premium cost. If you compare multiple quotes for the same coverage from different companies, you may likely find the best insurer for you.
Be a Careful Driver
If you can avoid an accident or drive carefully so you won’t get into one, your rate will drop. It will also drop if you don’t get any tickets.
Your insurer will consider you to be a low-risk driver to insure you if you stay safe on the road.
If you take advantage of the multi-policy (bunding auto with home, for example) or the multi-car (multiple cars with the same insurer) discount, your premium will be lowered.
Most insurers offer discounts for certain things that relate to your policy. For example, if you are a good driver, make no claims, or have safety devices in your car, you’ll get discounts for each.
Raise Your Deductible
If you raise your deductible, this means you’ll have a lower premium.
But know that lowering your deductible will increase the amount you pay if you file a claim.
Improve Your Credit Score
To insurers, you are a less risky driver if you have a great credit score. If you have bad credit, try to increase it by paying down a credit card with a high balance, paying bills on time, or paying more than the minimum amount on a loan or credit card.
How Much Does Auto Insurance Cost in Connecticut?
The cost of your auto policy varies depending on different factors.
An auto insurer will look at the area where you live, your driving experience or history, the type of car you drive, and any past claims you may have filed to determine the price of your policy.
That said, the average cost of full coverage car insurance in Connecticut is $1,442 per year or about $120 per month.
And the average cost of minimum coverage in Connecticut is $884 per year or $73 per month.
Though drivers in Connecticut don’t have the lowest rates in the nation, their average rates are on par with the national average of $1,320.
The cheapest car insurance companies in Connecticut are Geico and State Farm.
How We Picked the Best Auto Insurance Companies in CT
We researched auto insurance companies to find the best ones using such factors as discounts, coverage, technology, customer reviews, and price.
We looked at companies with the most discounts so you can save on your policy. The multi-policy and multi-car discounts were the most important to us. Each gives you the highest discount available.
We also looked at an insurer with extra or unique coverages so that you could choose which ones to add to tailor your policy, such as better car replacement, new car replacement, and gap insurance.
Most times, coverage comes at a cost, but the plus side is that your policy becomes more comprehensive.
We considered whether an insurer had an intuitive and easy-to-use website and mobile app that could provide convenience.
If you could easily get a quote, buy a policy, file a claim, track a claim, check up on your policy, pay a bill, and more on an insurer’s website and mobile app, that was a company we considered.
We looked at verified customer reviews from various websites that catered to reviewing auto policies.
There are many auto insurers out there, so the cost of a policy helped us narrow down our list when we chose only the most affordable.