- Connecticut car insurance cost averages $1,476 per year, or about $123 per month, for a full-coverage policy.
- Connecticut ranks #8 out of 11 Northeast states for cheapest car insurance rates, and ranks #35 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 $1,476 per year, which is 5.8% more expensive than the national average car insurance rate of $1,567.
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 $1,446, the Toyota Camry at $1,452, and the Jeep Cherokee at $1,640 per year.
Some models that have cheaper car insurance cost include the Honda CR-V at $1,292 per year, the Subaru Crosstrek at $1,184 per year, the Toyota Tacoma at $1,372 per year, and the Kia Telluride at $1,546 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 $1,120 per year for a 60-year-old driver with a high-deductible policy to $3,396 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 $4,392 to $4,940 per year for 17-year-olds and $4,002 to $4,612 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.
|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 15.4% 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)
- $168 per year more expensive than in Pennsylvania ($1,124)
- $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 $1,548 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.
|Rank||Make/Model||Annual Cost||Monthly Cost|
|9||Nissan Rogue Sport||$1,230||$103|
|16||Toyota Corolla Cross||$1,266||$106|
|19||Mazda MX-5 Miata||$1,280||$107|
|34||Mitsubishi Eclipse Cross||$1,360||$113|
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 $1,280 per year or $107 per month
- Mazda CX-5 insurance – Cheapest compact SUV at $1,122 per year or $94 per month
- Subaru Legacy insurance – Cheapest midsize car at $1,430 per year or $119 per month
- Honda Passport insurance – Cheapest midsize SUV at $1,186 per year or $99 per month
- Toyota Avalon insurance – Cheapest full-size car at $1,548 per year or $129 per month
- Chevrolet Tahoe insurance – Cheapest full-size SUV at $1,480 per year or $123 per month
- Chevrolet Colorado insurance – Cheapest midsize pickup at $1,214 per year or $101 per month
- Ford F150 insurance – Cheapest full-size pickup at $1,428 per year or $119 per month
- Ford F350 Super Duty insurance – Cheapest heavy duty pickup at $1,604 per year or $134 per month
- Honda Odyssey insurance – Cheapest minivan at $1,376 per year or $115 per month
- Mazda MX-5 Miata insurance – Cheapest sports car at $1,280 per year or $107 per month
- Mercedes-Benz A220 insurance – Cheapest compact luxury car at $1,450 per year or $121 per month
- Acura RDX insurance – Cheapest compact luxury SUV at $1,264 per year or $105 per month
- Acura ILX insurance – Cheapest midsize luxury car at $1,356 per year or $113 per month
- Cadillac XT5 insurance – Cheapest midsize luxury SUV at $1,450 per year or $121 per month
- Audi A5 insurance – Cheapest full-size luxury car at $1,734 per year or $145 per month
- Volvo XC90 insurance – Cheapest full-size luxury SUV at $1,596 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 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.
|Make/Model||Annual Rate||Monthly Rate|
|Jeep Grand Cherokee||$1,628||$136|
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 - $2,116 per year or $176 per month
- New Haven Car Insurance - $2,164 per year or $180 per month
- Hartford Car Insurance - $2,106 per year or $176 per month
- Stamford Car Insurance - $1,706 per year or $142 per month
- Waterbury Car Insurance - $2,006 per year or $167 per month
- Norwalk Car Insurance - $1,668 per year or $139 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 $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 $236 per year for a 40-year-old driver and $456 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 $386 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 $2,270 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 $210 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%.