Connecticut Car Insurance Cost for 2025

How much does car insurance cost in Connecticut? We compare average rates for popular models plus find the cheapest vehicles to insure in Connecticut.

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What is the average cost of car insurance in Connecticut?

The average cost of car insurance in Connecticut is $2,674 per year, which is 18.5% more expensive than the national average car insurance rate of $2,221.

On a monthly basis, drivers can expect to pay an average of $223 per month for full-coverage car insurance. The model of vehicle insured makes a big difference in the cost of insurance, as rates can range from an average of $2,456 per year for a small SUV to over $3,600 per year for large luxury sedans and sports cars.

Average Connecticut car insurance quotes for some of the most popular vehicles include the Jeep Wrangler at an average of $3,054 per year, the Ford F150 at $2,992, the Nissan Rogue at $2,404, the Toyota Camry at $2,870, and the Jeep Cherokee at $2,884 per year.

Some models that rank very well for overall car insurance cost include the Toyota Corolla Cross at $2,156 per year, the Nissan Kicks at $2,104 per year, the Subaru Crosstrek at $1,974 per year, and the Kia Soul at $2,088 per year. Later in the article, we break down the top 50 cheapest vehicles to insure in Connecticut.

The chart below shows the average cost of car insurance in Connecticut. Rates are averaged for all Connecticut Zip Codes and shown for multiple driver ages and policy deductible amounts.

Average full-coverage car insurance premium in Connecticut for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Connecticut for different ages of drivers. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Connecticut Zip Codes.

Average Car Insurance Cost in Connecticut
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,554$380
$500$5,380$448
$250$6,258$522
30$1,000$2,390$199
$500$2,852$238
$250$3,332$278
40$1,000$2,250$188
$500$2,674$223
$250$3,116$260
50$1,000$2,002$167
$500$2,370$198
$250$2,752$229
60$1,000$1,876$156
$500$2,220$185
$250$2,576$215

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Connecticut Zip Codes. Updated June 26, 2025

Average rates in the chart range from $1,876 per year for a 60-year-old driver with a high-deductible policy to $6,258 per year for a 20-year-old driver with low physical damage deductibles. When annual rates in the chart are converted to monthly cost, prices range from $156 to $522 per month.

These numbers probably give you a pretty good idea that car insurance costs have a lot of variability depending on factors like driver age and policy limits. We didn’t even touch on other factors like driving record, since for this example we assume the rated driver has no violations or at-fault accidents.

To throw even more rates into the mix, average car insurance rates for teenagers in Connecticut ranges from $6,367 per year for a 19-year-old female driver up to $9,524 per year for a 16-year-old male driver. For 17 and 18-year-olds, average car insurance rates in Connecticut will cost $8,843 to $9,228 per year for 17-year-olds and $7,631 to $8,270 per year for 18-year-olds.

To help eliminate some of the confusion when comparing car insurance rates, we recommend just get some Connecticut car insurance quotes. It’s easy to find many companies that will provide free quotes, and that’s the first step in finding the cheapest car insurance rates.

Is car insurance expensive in Connecticut?

When compared to neighboring states, average Connecticut car insurance cost is 7.8% cheaper than Rhode Island, 1.5% more expensive than Massachusetts, and 2.9% cheaper than New York.

Compared to other Northeast region states that don’t share a border, the average cost of auto insurance in Connecticut is 39.9% higher than Maine, 33.9% higher than New Hampshire, 10.6% higher than Pennsylvania, and 6.2% lower than New Jersey.

The chart below shows how Connecticut compares to other Northeast U.S. states for car insurance affordability. Connecticut ranks seventh out of 11 states in the Northeast region for cheapest car insurance rates. When compared to all U.S. states, Connecticut ranks 40th for overall auto insurance affordability.

Average cost of car insurance in Connecticut compared to other Northeast region states.
Figure 2: Average cost of car insurance in Connecticut compared to other Northeast region states. Rates updated on June 26, 2025.
Average Car Insurance Cost in Connecticut Compared to Northeast Region
Northeast Region States Average Annual Premium Cost Difference
Maine$1,784-$890
New Hampshire$1,898-$776
Vermont$1,998-$676
Maryland$2,352-$322
Pennsylvania$2,406-$268
Massachusetts$2,634-$40
Connecticut$2,674--
Delaware$2,716$42
New York$2,752$78
New Jersey$2,844$170
Rhode Island$2,892$218

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Connecticut Zip Codes. Updated June 26, 2025

Despite having some of the most expensive car insurance rates in the Northeast, there are states in other parts of the country that have more expensive average rates.

The average cost of auto insurance in Connecticut is 6.1% cheaper than California, 5.3% cheaper than Nevada, 2.9% cheaper than Florida, and 6.7% cheaper than Michigan.

Here’s an example that compares Connecticut car insurance rates to some of the states mentioned above, but uses dollar amounts rather than percentages and also uses a specific vehicle instead of an overall average.

Average car insurance cost on a 2024 Honda CR-V in Connecticut costs $2,280 per year. When compared to other states, this rate is:

  • $662 per year more expensive than insuring the same vehicle in New Hampshire ($1,618)
  • $66 per year cheaper than in New York ($2,346)
  • $230 per year more expensive than in Pennsylvania ($2,050)
  • $144 per year cheaper than in New Jersey ($2,424)
  • $70 per year cheaper than in Florida ($2,350)
  • $158 per year cheaper than in Michigan ($2,438)

What is the cheapest car insurance in Connecticut?

The cheapest car insurance rates in Connecticut are found on small SUV models like the Subaru Crosstrek at an average of $1,974 and the Chevrolet Trailblazer at $2,010 per year.

Other models that have the cheapest insurance in their respective segments are the Toyota GR Corolla at $2,322 per year, the Kia K5 at $2,576 per year, the Honda Passport at $2,130 per year, the Chrysler 300 at $2,546 per year, the Chevrolet Tahoe at $2,510 per year, the Chevrolet Colorado at $2,356 per year, and the Nissan Titan at $2,502 per year.

The table below takes all 2024 models from all segments (including luxury segments) and ranks them by average car insurance cost in Connecticut. The top 50 models are shown with average annual and monthly insurance cost.

Top 50 Cheapest Car Insurance Rates in Connecticut
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,974$165
2Chevrolet Trailblazer$2,010$168
3Kia Soul$2,088$174
4Nissan Kicks$2,104$175
5Honda Passport$2,130$178
6Buick Envision$2,142$179
7Toyota Corolla Cross$2,156$180
8Hyundai Venue$2,172$181
9Mazda CX-5$2,180$182
10Ford Bronco Sport$2,190$183
11Volkswagen Tiguan$2,210$184
12Acura RDX$2,234$186
13Nissan Murano$2,246$187
14Buick Encore$2,272$189
15Subaru Outback$2,276$190
16Honda CR-V$2,280$190
17Buick Envista$2,286$191
18Volkswagen Taos$2,290$191
19Kia Niro$2,300$192
20Toyota GR Corolla$2,322$194
21Subaru Ascent$2,326$194
22Honda HR-V$2,328$194
23Nissan Leaf$2,342$195
24Chevrolet Colorado$2,356$196
25Lexus NX 250$2,366$197
26Honda Civic$2,368$197
27Volkswagen Atlas$2,370$198
28Acura Integra$2,378$198
29Subaru Forester$2,378$198
30Volkswagen Atlas Cross Sport$2,380$198
31Kia Seltos$2,388$199
32GMC Terrain$2,392$199
33Nissan Rogue$2,404$200
34Hyundai Kona$2,408$201
35Mazda CX-30$2,412$201
36Cadillac XT4$2,414$201
37Ford Explorer$2,424$202
38Volkswagen ID4$2,424$202
39Toyota Highlander$2,432$203
40Ford Escape$2,440$203
41Toyota Venza$2,440$203
42Honda Odyssey$2,442$204
43Nissan Sentra$2,448$204
44Subaru Impreza$2,458$205
45Chevrolet Equinox$2,462$205
46Toyota RAV4$2,466$206
47Mazda MX-5 Miata$2,474$206
48Mazda MX-30$2,482$207
49Hyundai Tucson$2,484$207
50Chevrolet Traverse$2,496$208

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Connecticut Zip Codes. Updated June 26, 2025

Top 50 cheapest vehicles to insure in Connecticut with the Subaru Crosstrek ranking first at $1,974 per year
Top 50 cheapest vehicles to insure in Connecticut with the Subaru Crosstrek ranking first at $1,974 per year

The top 50 cheapest vehicles tend to be a lot of compact SUVs, small and midsize cars, and a few other mixed models. There are a lot of vehicles that have the cheapest insurance rates for that specific type of vehicle don’t make the top 50 list.

The list below shows the cheapest cars, SUVs, vans, and pickups to insure in Connecticut for each segment, regardless if they made the top 50 list above.

Compact SUVs are not only popular, but they also tend to have the cheapest overall car insurance rates. That point is made by the models at the top of the next chart like the Mazda CX-5, Subaru Crosstrek, and Subaru Forester. Those models also appear in the prior table of cheapest vehicles to insure.

However, many popular models like the Honda Accord, Chevy Silverado, and Jeep Grand Cherokee have higher car insurance rates, and do not make the cut when it comes to the cheapest models to insure.

Average cost to insure popular 2024 model year vehicles in Connecticut.
Figure 3: Average cost to insure popular 2024 model year vehicles in Connecticut. Rates updated on June 26, 2025.

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Connecticut Zip Codes.

Connecticut Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,974$165
Mazda CX-5$2,180$182
Honda CR-V$2,280$190
Subaru Forester$2,378$198
Nissan Rogue$2,404$200
Toyota Highlander$2,432$203
Nissan Sentra$2,448$204
Toyota RAV4$2,466$206
Ford Ranger$2,556$213
Honda Accord$2,580$215
Jeep Grand Cherokee$2,672$223
Toyota Camry$2,870$239
Hyundai Elantra$2,906$242
Ford Mustang$2,940$245
Chevrolet Silverado$2,958$247
Ford Bronco$2,968$247
Ford F150$2,992$249
Ram Truck$3,092$258

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Connecticut Zip Codes. Updated June 26, 2025

Car insurance rates by city

Average annual and monthly car insurance rates are shown below for some of the larger cities in Connecticut. Click and visit any page for additional detailed rates including cost comparisons, average rates, and the cheapest cars, trucks, and SUVs to insure in each city.

Other car insurance rates and insights

The list below contains some additional rates plus some ways to reduce the cost of car insurance in Connecticut.

  • Get cheaper rates thanks to your employer. Many insurance companies offer policy discounts for certain professions like lawyers, police officers and law enforcement, nurses, architects, dentists, and others. If you qualify for this occupational discount, you could save between $80 and $260 on your auto insurance bill, subject to policy limits.
  • Raising physical damage deductibles lowers cost. Raising deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • A clean driving record saves money. To pay the cheapest possible car insurance rates, you have to be a good driver. In fact, just a few blemishes on your driving record could raise insurance rates as much as $710 per year.
  • It’s expensive to buy high-risk car insurance. For a 20-year-old driver, having to buy a high-risk policy due to excessive accidents and/or violations can cause a rate increase of $4,208 or more per year.
  • Clean up your credit for better rates. Having a high credit score of 800+ could save as much as $420 per year versus a rating of 670-739. Conversely, a below average credit rating could cost as much as $487 more per year.
  • Qualify for policy discounts to save money. Discounts may be available if the insureds insure their home and car with the same company, are claim-free, are military or federal employees, are senior citizens, insure multiple vehicles on the same policy, or many other policy discounts which could save the average driver as much as $726 per year on the cost of car insurance
  • As driver age increases, car insurance rates tend to go down. The difference in Connecticut car insurance rates between a 60-year-old driver ($2,220 per year) and a 20-year-old driver ($5,380 per year) is $3,160, or a difference of 83.2%.