Connecticut Car Insurance Cost for 2022

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

Start QuoteCompare Connecticut car insurance rates and save on your next policy.

What is the average cost of car insurance in Connecticut?

The average cost of car insurance in Connecticut is $1,476 per year, which is 4.8% more expensive than the national average car insurance rate of $1,551.

On a monthly basis, drivers can expect to pay an average of $123 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 $1,692 per year, the Ford F150 at $1,428, the Nissan Rogue at $1,448, the Toyota Camry at $1,452, and the Jeep Cherokee at $1,642 per year.

Some models that have cheaper car insurance cost include the Honda CR-V at $1,292 per year, the Subaru Crosstrek at $1,186 per year, the Toyota Tacoma at $1,372 per year, and the Kia Telluride at $1,548 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Connecticut car insurance rates for 2022 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 May 19, 2022
Average Car Insurance Cost in Connecticut
Average Car Insurance Cost in Connecticut
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,488$207
$500$2,930$244
$250$3,398$283
30$1,000$1,304$109
$500$1,554$130
$250$1,814$151
40$1,000$1,248$104
$500$1,476$123
$250$1,712$143
50$1,000$1,140$95
$500$1,344$112
$250$1,558$130
60$1,000$1,120$93
$500$1,320$110
$250$1,530$128

Average rates in the chart range from $1,120 per year for a 60-year-old driver with a high-deductible policy to $3,398 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 $93 to $283 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 $3,710 per year for a 19-year-old female driver up to $5,290 per year for a 16-year-old male driver. For 17 and 18-year-olds, average car insurance rates in Connecticut will cost $4,394 to $4,940 per year for 17-year-olds and $4,002 to $4,614 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 17.8% cheaper than Rhode Island, 18.5% more expensive than Massachusetts, and 8.9% 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 40% higher than Maine, 60.4% higher than New Hampshire, 15.1% higher than Pennsylvania, and 2.6% higher than New Jersey.

The chart below shows how Connecticut compares to other Northeast U.S. states for car insurance affordability. Connecticut ranks #8 out of 11 states in the Northeast region for cheapest car insurance rates. Only Delaware, New York, and Rhode Island have more expensive average car insurance cost than Connecticut.

Get Rates in Your AreaWhy is this important?

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
New Hampshire$920-$556
Vermont$1,012-$464
Maine$1,054-$422
Massachusetts$1,246-$230
Pennsylvania$1,282-$194
Maryland$1,374-$102
New Jersey$1,438-$38
Connecticut$1,476--
Delaware$1,550$74
New York$1,620$144
Rhode Island$1,796$320

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 15.5% cheaper than California, 11.7% cheaper than Nevada, 33.8% cheaper than Florida, and 39.1% 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 2022 Honda CR-V in Connecticut costs $1,292 per year. When compared to other states, this rate is:

  • $488 per year more expensive than insuring the same vehicle in New Hampshire ($804)
  • $128 per year cheaper than in New York ($1,420)
  • $172 per year more expensive than in Pennsylvania ($1,120)
  • $32 per year more expensive than in New Jersey ($1,260)
  • $658 per year cheaper than in Florida ($1,950)
  • $832 per year cheaper than in Michigan ($2,124)

What is the cheapest car insurance in Connecticut?

The cheapest car insurance rates in Connecticut are found on small SUV models like the Mazda CX-5 at an average of $1,122 and the Nissan Kicks at $1,150 per year.

Other models that have the cheapest insurance in their respective segments are the Subaru Impreza at $1,280 per year, the Subaru Legacy at $1,430 per year, the Honda Passport at $1,186 per year, the Toyota Avalon at $1,552 per year, the Chevrolet Tahoe at $1,480 per year, the Chevrolet Colorado at $1,214 per year, and the Ford F150 at $1,428 per year.

The table below takes all 2022 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
1Mazda CX-5$1,122$94
2Nissan Kicks$1,150$96
3Chevrolet Trailblazer$1,158$97
4Honda Passport$1,186$99
5Subaru Crosstrek$1,186$99
6Chevrolet Colorado$1,214$101
7Buick Encore$1,218$102
8Toyota C-HR$1,220$102
9Nissan Rogue Sport$1,230$103
10Hyundai Venue$1,254$105
11Buick Envision$1,256$105
12Kia Seltos$1,256$105
13Acura RDX$1,264$105
14Ford Maverick$1,264$105
15Subaru Ascent$1,266$106
16Toyota Corolla Cross$1,266$106
17Subaru Forester$1,276$106
18Hyundai Kona$1,278$107
19Mazda MX-5 Miata$1,280$107
20Subaru Impreza$1,280$107
21Volkswagen Tiguan$1,280$107
22Chevrolet Spark$1,288$107
23Honda CR-V$1,292$108
24Cadillac XT4$1,296$108
25Mazda CX-30$1,306$109
26Ford Ranger$1,314$110
27Honda HR-V$1,328$111
28Ford Edge$1,330$111
29Ford Ecosport$1,338$112
30Subaru Outback$1,354$113
31Chevrolet Trax$1,356$113
32Acura ILX$1,358$113
33GMC Terrain$1,360$113
34Mitsubishi Eclipse Cross$1,362$114
35Nissan Murano$1,368$114
36Toyota Tacoma$1,372$114
37Hyundai Tucson$1,374$115
38Honda Odyssey$1,376$115
39Toyota Venza$1,378$115
40Chevrolet Bolt$1,380$115
41Chevrolet Equinox$1,382$115
42Volkswagen Taos$1,386$116
43Ford Explorer$1,388$116
44Fiat 500X$1,390$116
45Toyota RAV4$1,394$116
46Kia Sorento$1,398$117
47Kia Soul$1,398$117
48Nissan Frontier$1,406$117
49GMC Canyon$1,416$118
50Hyundai Palisade$1,416$118

    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 March 24, 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.

    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 seven models show up in the top 50 cheapest to insure table: the Honda CR-V, Mazda CX-5, Ford Ranger, Subaru Forester, Subaru Crosstrek, Nissan Rogue, and Nissan Sentra.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Connecticut car insurance cost is based on 2022 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 March 24, 2022
    Connecticut Car Insurance Rates for Popular Vehicles
    Connecticut Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Mazda CX-5$1,122$94
    Subaru Crosstrek$1,186$99
    Subaru Forester$1,276$106
    Honda CR-V$1,292$108
    Ford Ranger$1,314$110
    Toyota RAV4$1,394$116
    Ford F150$1,428$119
    Nissan Sentra$1,442$120
    Nissan Rogue$1,448$121
    Toyota Camry$1,452$121
    Toyota Highlander$1,484$124
    Ford Bronco$1,484$124
    Honda Accord$1,542$129
    Ford Mustang$1,558$130
    Chevrolet Silverado$1,588$132
    Jeep Grand Cherokee$1,630$136
    Jeep Cherokee$1,642$137
    Hyundai Elantra$1,666$139
    Ram Truck$1,688$141

    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 $44 and $154 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 $232 per year for a 40-year-old driver and $452 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 $388 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 $2,272 or more per year.
    • Clean up your credit for better rates. Having a high credit score of 800+ could save as much as $232 per year versus a rating of 670-739. Conversely, a below average credit rating could cost as much as $269 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 $218 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 ($1,320 per year) and a 20-year-old driver ($2,930 per year) is $1,610, or a difference of 54.9%.