- Connecticut car insurance cost averages $1,658 per year, or about $138 per month, for a full-coverage policy.
- Connecticut ranks #9 out of 11 Northeast states for cheapest car insurance rates, and ranks #42 out of all 50 U.S. states.
- The cheapest car insurance in Connecticut is generally found on specific compact SUV models.
What is the average cost of car insurance in Connecticut?
The average cost of car insurance in Connecticut is $1,658 per year, which is 8.9% more expensive than the national average car insurance rate of $1,523.
On a monthly basis, drivers can expect to pay an average of $138 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 $125 per month for a small SUV to over $285 per year for an exotic sports car.
Average Connecticut car insurance quotes for some of the most popular vehicles include the Jeep Wrangler at an average of $1,712 per year, the Ford F150 at $1,582, the Nissan Rogue at $1,494, the Toyota Camry at $1,658, and the Jeep Cherokee at $1,872 per year.
Some models that have cheaper car insurance cost include the Honda CR-V at $1,252 per year, the Subaru Crosstrek at $1,354 per year, the Toyota Tacoma at $1,398 per year, and the Kia Telluride at $1,404 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
Average rates in the chart range from $1,258 per year for a 60-year-old driver with a high-deductible policy to $3,824 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 $105 to $319 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 $4,176 per year for a 19-year-old female driver up to $5,946 per year for a 16-year-old male driver. For 17 and 18-year-olds, average car insurance rates in Connecticut will cost $4,940 to $5,556 per year for 17-year-olds and $4,502 to $5,188 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 8.1% cheaper than Rhode Island, 30.3% more expensive than Massachusetts, and 1.4% 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 72.7% higher than Maine, 50.7% higher than New Hampshire, 23.9% higher than Pennsylvania, and 12.6% higher than New Jersey.
The chart below shows how Connecticut compares to other Northeast U.S. states for car insurance affordability. Connecticut ranks #9 out of 11 states in the Northeast region for cheapest car insurance rates. Only New York and Rhode Island have more expensive average car insurance cost than Connecticut.
|Northeast Region States||Average Insurance Cost||Annual Difference|
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 1.1% cheaper than California, 2.4% cheaper than Nevada, 19% cheaper than Florida, and 39% 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 2021 Honda CR-V in Connecticut costs $1,252 per year. When compared to other states, this rate is:
- $424 per year more expensive than insuring the same vehicle in New Hampshire ($828)
- $16 per year cheaper than in New York ($1,268)
- $244 per year more expensive than in Pennsylvania ($1,008)
- $142 per year more expensive than in New Jersey ($1,110)
- $290 per year cheaper than in Florida ($1,542)
- $798 per year cheaper than in Michigan ($2,050)
What is the cheapest car insurance in Connecticut?
The cheapest car insurance rates in Connecticut are found on small SUV models like the Subaru Forester at an average of $1,236 and the Honda CR-V at $1,252 per year.
Other models that have the cheapest insurance in their segments are the Volkswagen Golf at $1,326 per year, the Mazda 6 at $1,542 per year, the Ford Edge at $1,320 per year, the Kia Cadenza at $1,686 per year, the Toyota Sequoia at $1,640 per year, the Toyota Tacoma at $1,398 per year, and the Ford F150 at $1,582 per year.
The table below takes all 2021 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.
|Rank||Make/Model||Annual Cost||Monthly Cost|
|3||Ram Promaster City||$1,298||$108|
|30||Mitsubishi Eclipse Cross||$1,418||$118|
|41||Nissan Rogue Sport||$1,464||$122|
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.
- Cheapest compact car insurance – Volkswagen Golf at $1,326 per year or $111 per month
- Cheapest compact SUV insurance – Subaru Forester at $1,236 per year or $103 per month
- Cheapest midsize car insurance – Mazda 6 at $1,542 per year or $129 per month
- Cheapest midsize SUV insurance – Ford Edge at $1,320 per year or $110 per month
- Cheapest full-size car insurance – Kia Cadenza at $1,686 per year or $141 per month
- Cheapest full-size SUV insurance – Toyota Sequoia at $1,640 per year or $137 per month
- Cheapest midsize pickup insurance – Toyota Tacoma at $1,398 per year or $117 per month
- Cheapest full-size pickup insurance – Ford F150 at $1,582 per year or $132 per month
- Cheapest heavy duty pickup insurance – Ford F350 Super Duty at $1,788 per year or $149 per month
- Cheapest minivan insurance – Kia Sedona at $1,410 per year or $118 per month
- Cheapest sports car insurance – Mazda Miata at $1,524 per year or $127 per month
- Cheapest compact luxury car insurance – Mercedes-Benz A220 at $1,626 per year or $136 per month
- Cheapest compact luxury SUV insurance – Volvo XC40 at $1,372 per year or $114 per month
- Cheapest midsize luxury car insurance – Acura ILX at $1,550 per year or $129 per month
- Cheapest midsize luxury SUV insurance – Volvo V60 at $1,568 per year or $131 per month
- Cheapest full-size luxury car insurance – Volvo S90 at $1,810 per year or $151 per month
- Cheapest full-size luxury SUV insurance – Volvo XC90 at $1,594 per year or $133 per month
Connecticut car insurance rates for popular vehicles
As with some vehicles having segment-leading car insurance cost but not making the top 50 cheapest list, a lot of very popular vehicles are just not the cheapest to insure. The chart below shows average auto insurance rates in Connecticut for 20 of the more popular vehicles sold in the state.
Out of the 20 vehicles in the chart, only the top five models show up in the top 50 cheapest to insure table: the Subaru Forester, Honda CR-V, Mazda CX-5, Subaru Crosstrek, and Nissan Rogue.
|Make/Model||Annual Rate||Monthly Rate|
|Jeep Grand Cherokee||$1,812||$151|
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.
- Bridgeport Car Insurance - $2,072 per year or $173 per month
- New Haven Car Insurance - $2,120 per year or $177 per month
- Hartford Car Insurance - $2,062 per year or $172 per month
- Stamford Car Insurance - $1,666 per year or $139 per month
- Waterbury Car Insurance - $1,964 per year or $164 per month
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 $50 and $159 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 $236 per year for a 40-year-old driver and $458 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 $436 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 $2,562 or more per year.
- Clean up your credit for better rates. Having a high credit score of 800+ could save as much as $260 per year versus a rating of 670-739. Conversely, a below average credit rating could cost as much as $302 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 $398 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 ($1,484 per year) and a 20-year-old driver ($3,294 per year) is $1,810, or a difference of 54.9%.