- Connecticut car insurance cost averages $1,966 per year, or about $164 per month, for a full-coverage policy.
- Connecticut ranks seventh out of 11 Northeast states for cheapest car insurance rates, and ranks 40th 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 $1,966 per year, which is 15.4% 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.
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 10.6% cheaper than Rhode Island, 2.3% more expensive than Massachusetts, and 3.8% 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 59.7% higher than Maine, 49.8% higher than New Hampshire, 14.9% higher than Pennsylvania, and 8.3% 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.
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 8.2% cheaper than California, 7.1% cheaper than Nevada, 11.1% cheaper than Florida, and 20.5% 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.
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.
- Subaru Impreza insurance – Cheapest compact car at $1,624 per year or $135 per month
- Chevrolet Trailblazer insurance – Cheapest compact SUV at $1,486 per year or $124 per month
- Subaru Legacy insurance – Cheapest midsize car at $1,808 per year or $151 per month
- Honda Passport insurance – Cheapest midsize SUV at $1,528 per year or $127 per month
- Chrysler 300 insurance – Cheapest full-size car at $1,914 per year or $160 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $1,840 per year or $153 per month
- Ford Maverick insurance – Cheapest midsize pickup at $1,632 per year or $136 per month
- Nissan Titan insurance – Cheapest full-size pickup at $1,946 per year or $162 per month
- GMC Sierra 2500 HD insurance – Cheapest heavy duty pickup at $2,012 per year or $168 per month
- Honda Odyssey insurance – Cheapest minivan at $1,794 per year or $150 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $1,814 per year or $151 per month
- Acura Integra insurance – Cheapest compact luxury car at $1,764 per year or $147 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $1,640 per year or $137 per month
- Cadillac CT5 insurance – Cheapest midsize luxury car at $2,116 per year or $176 per month
- Lexus RX 350 insurance – Cheapest midsize luxury SUV at $1,758 per year or $147 per month
- Audi A5 insurance – Cheapest full-size luxury car at $2,204 per year or $184 per month
- Volvo XC90 insurance – Cheapest full-size luxury SUV at $2,026 per year or $169 per month
Connecticut car insurance rates for popular vehicles
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.
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 - $2,318 per year or $193 per month
- New Haven Car Insurance - $2,368 per year or $197 per month
- Hartford Car Insurance - $2,308 per year or $192 per month
- Stamford Car Insurance - $1,894 per year or $158 per month
- Waterbury Car Insurance - $2,204 per year or $184 per month
- Norwalk Car Insurance - $1,852 per year or $154 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 $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 76%.
