Connecticut Car Insurance Cost for 2023

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 $1,966 per year, which is 16.7% more expensive than the national average car insurance rate of $1,685.

On a monthly basis, drivers can expect to pay an average of $164 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 $1,788 per year for a small SUV to over $2,600 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 $2,178 per year, the Ford F150 at $1,998, the Nissan Rogue at $1,810, the Toyota Camry at $1,866, and the Jeep Cherokee at $2,134 per year.

Some models that rank very well for overall car insurance cost include the Buick Encore at $1,564 per year, the Honda Passport at $1,528 per year, the Chevrolet Trailblazer at $1,486 per year, and the Nissan Kicks at $1,506 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.

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Chart Data Details: Chart shows average Connecticut car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Connecticut zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Connecticut
Average Car Insurance Cost in Connecticut
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,310$276
$500$3,910$326
$250$4,542$379
30$1,000$1,734$145
$500$2,070$173
$250$2,418$202
40$1,000$1,658$138
$500$1,966$164
$250$2,284$190
50$1,000$1,512$126
$500$1,788$149
$250$2,078$173
60$1,000$1,486$124
$500$1,756$146
$250$2,042$170

Average rates in the chart range from $1,486 per year for a 60-year-old driver with a high-deductible policy to $4,542 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 $124 to $379 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 $4,952 per year for a 19-year-old female driver up to $7,038 per year for a 16-year-old male driver. For 17 and 18-year-olds, average car insurance rates in Connecticut will cost $5,848 to $6,582 per year for 17-year-olds and $5,334 to $6,148 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 10.1% cheaper than Rhode Island, 2.3% more expensive than Massachusetts, and 3.7% 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 85.1% higher than Maine, 66.3% higher than New Hampshire, 16.1% higher than Pennsylvania, and 8% 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.

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Connecticut Car Insurance Cost Compared to Northeast Region
Average Car Insurance Cost in Connecticut Compared to Northeast Region
Northeast Region States Average Insurance Cost Annual Difference
Maine$1,062-$904
New Hampshire$1,182-$784
Vermont$1,280-$686
Maryland$1,638-$328
Pennsylvania$1,694-$272
Massachusetts$1,922-$44
Connecticut$1,966--
Delaware$2,008$42
New York$2,042$76
New Jersey$2,136$170
Rhode Island$2,186$220

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 7.9% cheaper than California, 6.8% cheaper than Nevada, 10.5% cheaper than Florida, and 18.6% 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 2023 Honda CR-V in Connecticut costs $1,664 per year. When compared to other states, this rate is:

  • $664 per year more expensive than insuring the same vehicle in New Hampshire ($1,000)
  • $70 per year cheaper than in New York ($1,734)
  • $232 per year more expensive than in Pennsylvania ($1,432)
  • $146 per year cheaper than in New Jersey ($1,810)
  • $200 per year cheaper than in Florida ($1,864)
  • $378 per year cheaper than in Michigan ($2,042)

What is the cheapest car insurance in Connecticut?

The cheapest car insurance rates in Connecticut are found on small SUV models like the Chevrolet Trailblazer at an average of $1,486 and the Subaru Crosstrek at $1,500 per year.

Other models that have the cheapest insurance in their respective segments are the Subaru Impreza at $1,624 per year, the Subaru Legacy at $1,808 per year, the Honda Passport at $1,528 per year, the Chrysler 300 at $1,914 per year, the Chevrolet Tahoe at $1,840 per year, the Ford Maverick at $1,632 per year, and the Nissan Titan at $1,946 per year.

The table below takes all 2023 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 Cost Monthly Cost
1Chevrolet Trailblazer$1,486$124
2Subaru Crosstrek$1,500$125
3Nissan Kicks$1,506$126
4Honda Passport$1,528$127
5Nissan Rogue Sport$1,532$128
6Mazda CX-5$1,546$129
7Buick Encore$1,564$130
8Buick Envision$1,570$131
9Kia Seltos$1,592$133
10Subaru Ascent$1,600$133
11Hyundai Venue$1,604$134
12Subaru Impreza$1,624$135
13Ford Maverick$1,632$136
14Honda HR-V$1,634$136
15Chevrolet Colorado$1,636$136
16Acura RDX$1,640$137
17Hyundai Kona$1,646$137
18Subaru Forester$1,658$138
19Honda CR-V$1,664$139
20Ford Edge$1,666$139
21Mazda CX-30$1,670$139
22Ford Explorer$1,674$140
23Volkswagen Atlas$1,678$140
24Nissan Murano$1,686$141
25Chevrolet Trax$1,688$141
26Subaru Outback$1,690$141
27Nissan Frontier$1,696$141
28Volkswagen Tiguan$1,706$142
29Ford Bronco Sport$1,710$143
30Fiat 500X$1,744$145
31Ford Ranger$1,746$146
32GMC Terrain$1,746$146
33Kia Soul$1,748$146
34Mitsubishi Eclipse Cross$1,750$146
35Volkswagen Atlas Cross Sport$1,752$146
36Lexus RX 350$1,758$147
37Acura Integra$1,764$147
38Chevrolet Equinox$1,770$148
39Cadillac XT4$1,772$148
40Toyota Corolla Cross$1,772$148
41Volkswagen Taos$1,782$149
42GMC Canyon$1,784$149
43Toyota Venza$1,790$149
44Mazda CX-50$1,792$149
45Honda Odyssey$1,794$150
46Toyota Tacoma$1,796$150
47Volkswagen Jetta$1,796$150
48Hyundai Tucson$1,798$150
49Kia Sorento$1,800$150
50Ford Escape$1,802$150

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Connecticut.Data last updated on December 30, 2022
    Top 50 Cheapest Car Insurance Rates in Connecticut

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Connecticut car insurance cost is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Connecticut Zip Codes.Data last updated on December 30, 2022
    Connecticut Car Insurance Rates for Popular Vehicles
    Connecticut Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,500$125
    Mazda CX-5$1,546$129
    Subaru Forester$1,658$138
    Honda CR-V$1,664$139
    Ford Ranger$1,746$146
    Nissan Rogue$1,810$151
    Toyota RAV4$1,820$152
    Nissan Sentra$1,822$152
    Toyota Camry$1,866$156
    Toyota Highlander$1,962$164
    Honda Accord$1,986$166
    Ford F150$1,998$167
    Jeep Grand Cherokee$2,090$174
    Ford Mustang$2,130$178
    Jeep Cherokee$2,134$178
    Hyundai Elantra$2,146$179
    Chevrolet Silverado$2,148$179
    Ram Truck$2,148$179
    Ford Bronco$2,188$182

    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 $59 and $199 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 $276 per year for a 40-year-old driver and $538 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 $518 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 $3,038 or more per year.
    • Clean up your credit for better rates. Having a high credit score of 800+ could save as much as $309 per year versus a rating of 670-739. Conversely, a below average credit rating could cost as much as $358 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 $500 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 ($1,756 per year) and a 20-year-old driver ($3,910 per year) is $2,154, or a difference of 55.1%.