10 Best Auto Insurance Companies in Connecticut 2025

The best auto insurance companies in Connecticut are Amica, Allstate, and Geico, with minimum coverage rates starting at $54 per month.

Amica stands out for its reliable claims handling and strong customer support, while Allstate offers flexible usage-based coverage for safe, low-mileage drivers.

Geico is a top pick for drivers wanting affordable coverage with convenient online policy management on the go.

Top 10 Companies: Best Auto Insurance in Connecticut

Keep reading to compare Connecticut car insurance companies and find the best balance of price and coverage for your budget.

If you’re looking to lower your premiums and find the best car insurance in Connecticut, enter your ZIP code into our free quote comparison tool to compare rates from insurers near you.

Cheapest Auto Insurance Rates in Connecticut

Depending on your provider and the amount of coverage you’re carrying, Connecticut residents are likely to spend $54-$165 per month for auto insurance.

The cheapest car insurance in Connecticut comes from Geico, which provides minimum coverage for just $54, compared to Allstate, which charges up to $74 monthly for the same coverage.

Connecticut Auto Insurance Monthly Rates by Coverage Level

Always compare multiple insurance policies to see which of the top auto insurance companies in CT best fits your budget and coverage needs.

Amica, Progressive, and State Farm car insurance in CT stay midrange, offering balanced prices and reliable service (Read More: State Farm vs. Progressive Auto Insurance Review).

Connecticut Car Insurance Costs by Driver Age

Monthly auto insurance rates in Connecticut change significantly with age. Teen drivers face the steepest costs, with Allstate charging around $230 per month and Liberty Mutual and Travelers insurance in CT close behind.

Reviewing a list of insurance companies in Connecticut can help you find the best rates for your age group (Read More: Cheap Auto Insurance for Teens).

Connecticut Auto Insurance Monthly Rates by Age

Knowing how your age affects your premium helps you choose an insurer that fits your budget and experience behind the wheel.

Rates drop noticeably once drivers reach their mid-20s. Amica and Geico lead with the most affordable monthly premiums, ranging from $54 to $64, as drivers gain experience.

Geico and State Farm offer some of the most affordable rates for teen drivers in Connecticut, both averaging under $200 per month. As drivers gain experience, Progressive becomes more budget-friendly, while Geico remains the best car insurance for seniors in CT.

Even though Progressive tends to be cheaper, it has one of the lowest claim satisfaction scores, making Amica and Geico better long-term picks for both price and service.

Connecticut Insurance Rates Vary Across Cities

Auto insurance rates in Connecticut are not the same across the state. Monthly premiums average between $77 and $82, depending on location and coverage type.

Urban areas like Windsor, Southington, and Middletown tend to see higher monthly rates due to higher traffic and accident risks, while smaller towns such as Sharon, Goshen, and Woodstock stay on the lower end.

Drivers in coastal cities like Milford and Groton also pay higher premiums because of population density and potential weather-related claims.

When comparing auto insurance by state, it’s smart to get quotes from providers like Geico, Amica, and State Farm, which often offer competitive rates even in higher-cost areas.

Connecticut Auto Insurance Rates by Driving History

Monthly auto insurance rates in Connecticut can vary widely depending on your driving history. Drivers with clean records usually pay the lowest rates, while costs increase after an accident, ticket, or DUI.

Allstate and Liberty Mutual reach $164 and $188 per month for a DUI, while Amica remains one of the more forgiving insurers for drivers with past incidents.

Connecticut Auto Insurance Monthly Rates by Driving Record

State Farm and Progressive also offer steady monthly pricing for drivers with minor violations, keeping them among the most dependable car insurance companies in Connecticut for balanced coverage and value.

If you’ve had an accident or ticket, comparing Connecticut car insurance quotes from multiple insurers can help you find coverage that fits your needs without overspending.

Read More: Traffic Collision Reconstruction

How Credit Score Impacts Connecticut Car Insurance

Drivers with excellent credit scores get the best deals on Connecticut auto insurance. Geico leads with the lowest rate, $54 per month, followed by Amica and Progressive car insurance in CT.

For drivers with fair or poor credit, rates rise sharply, with Allstate reaching $141 per month and Liberty Mutual close behind.

Connecticut Auto Insurance Monthly Rates by Credit Score

While credit isn’t the only factor insurers consider, maintaining a good score can make a big difference in what you pay each month.

If your credit needs work, comparing car insurance quotes in Connecticut from companies like Geico, Amica, and State Farm can help you find the most affordable monthly rate for your situation.

Learn More: Expert Guide To Different Loans

CT Car Insurance Requirements & Laws

Connecticut follows an at-fault insurance system, meaning the driver who causes an accident is responsible for covering the damages. This directly affects how insurance providers determine rates across the state.

To legally drive in Connecticut, every motorist must carry at least the minimum required liability insurance:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $25,000 for property damage per accident

Drivers are also required to carry uninsured and underinsured motorist coverage at the same limits. This ensures you’re still protected if you’re hit by someone who doesn’t have enough coverage to pay for your injuries or repairs.

While these limits meet Connecticut’s legal standards, they may not be enough after a serious accident. That’s why many drivers choose to increase their limits or add extra protection like collision and comprehensive coverage.

Connecticut Car Insurance Coverages

You have a handful of options when shopping for auto insurance in Connecticut. The mandatory liability coverage takes care of damages that you cause to others, but many drivers opt for optional coverage for added protection. Here’s a quick breakdown:

• Collision Coverage: Pays for repairs to your car after an accident, regardless of fault.
• Comprehensive Coverage: Includes theft, vandalism or damage from something other than a collision, such as hail or flooding.
• Uninsured/Underinsured Motorist Coverage: Required in Connecticut, it covers your costs if another driver doesn’t have enough insurance.
• Medical Payments Coverage: Helps pay for your or your passengers’ medical expenses after a crash.
• Gap Insurance: Ideal for new or financed cars—it covers the difference between your car’s value and what you owe if it’s totaled.

Ultimately, the right coverage depends on your car, driving habits, and comfort with risk. Starting with the state minimum is fine, but adding a few key protections can save you thousands later.

Ways to Save on Connecticut Auto Insurance

Safe driving and smart policy choices help cut costs, especially when comparing what insurance companies offer in Connecticut.

To save even more each month, these five strategies can help you find better deals from top Connecticut auto insurance companies.

• Bundle Your Coverage: Combine multiple policies, like home and auto, to qualify for a lower rate.
• Keep a Clean Driving Record: Avoid tickets, accidents, and claims to maintain the best available discounts.
• Try Usage-Based Programs: Consider a pay-as-you-go insurance plan if you’re a cautious or low-mileage driver.
• Add Safety Features: Install anti-theft devices or driver-assist technology to earn extra savings.
• Compare Rates Regularly: Check updated quotes from time to time to make sure you’re still getting the best deal.

Staying proactive about your policy, keeping your record clean, and taking advantage of available discounts can make a noticeable difference in your monthly premium over time.

Local drivers can save even more with discounts for bundling coverage from the best auto and home insurance companies in CT.

Connecticut drivers have plenty of opportunities to lower their monthly auto insurance costs, especially with the range of discounts shown here.

Liberty Mutual and Arbella offer the biggest savings for anti-theft protection at 35% and 36%, while Amica leads with a 30% bundling discount for combining policies.

Top Auto Insurance Discounts in Connecticut

Allstate’s usage-based program can reduce monthly premiums by up to 40% for safe, low-mileage driving.

Farmers, Progressive, and Geico also reward good drivers with discounts of up to 30% (Read More: 17 Tips to Pay Less for Car Insurance).

Top Auto Insurance Providers in Connecticut

Geico leads Connecticut’s market with 28%, followed by Progressive and State Farm. Geico’s low monthly rates and easy-to-manage online tools make it the best choice for drivers.

Together, these five insurers make up a large portion of Connecticut’s auto insurance landscape.

Allstate is also one of the largest providers in the state, making up 15% of the market with its popular usage-based savings programs.

However, being the most popular insurer doesn’t make it the best fit for everyone. Compare quotes from at least three different providers to decide which is right for you.

Finding out exactly who the most prominent players are and comparing companies could help you go a long way to saving yourself some money.

Use our list of auto insurance companies in CT to find out which is the best provider for you, especially if you are looking for comprehensive insurance.

#1 – Amica: Top Overall Pick

Pros

• Excellent Customer Service: Amica is known for its responsive, friendly support and reliable claims assistance, earning strong satisfaction ratings from Connecticut drivers.
• Quick Claims Response: Repairs and payouts are handled promptly, helping policyholders get back on the road sooner.
• Clear Pricing: Amica provides straightforward cost explanations, so customers know exactly what their coverage includes.

Cons

• Above-Average Rates: Monthly premiums can be slightly higher than low-cost insurers, though many find the service worth it.
• Fewer Local Agents: Amica has limited in-person offices in Connecticut. See our Amica insurance review for more on regional support.

#2 – Allstate: Best for Usage-Based Apps

Pros

• Usage-Based Savings: The Allstate Drivewise usage-based app and the Allstate Milewise pay-as-you-go app help safe drivers cut costs by tracking habits and mileage.
• Financial Strength: With an A+ rating from A.M. Best, Allstate is known for reliable claims service and strong financial stability.
• Custom Coverage Options: Policyholders can tailor their plans with features like accident forgiveness and roadside assistance for added protection.

Cons

• Higher Rates for Young Drivers: Monthly insurance costs in CT tend to be higher for newer or younger drivers under 25.
• Limited Discount Access: Some discounts vary by location. See our Allstate insurance review for details on availability and eligibility.

#3 – Geico: Best for Budget Rates

Pros

• Low Rates: Geico’s minimum coverage starts at $54 per month, keeping it among the cheapest choices for Connecticut drivers.
• Online Convenience: Policy management, claims, and quotes are handled quickly through Geico’s website or mobile app.
• Discount Variety: Geico offers savings for safe drivers, military personnel, and federal employees.

Cons

• Limited Local Support: Most assistance is handled online. Learn more in our Geico insurance review for digital service options.
• Inconsistent Claim Updates: Some policyholders in Connecticut mention delays in claim communication and follow-ups.

#4 – State Farm: Best for Local Agents

Pros

• Strong Local Presence: One of the largest agent networks in Connecticut, making in-person help easy to find. Read our State Farm insurance review on local agent support.
• Steady Rates: Policyholders benefit from consistent monthly premiums that don’t fluctuate much over time.
• Good Discount Options: State Farm offers solid savings for students, safe drivers, and households with multiple vehicles.

Cons

• Limited Coverage Add-Ons: The company offers fewer specialty options than some larger national insurers.
• Modest Telematics Savings: Drivers using usage-based programs may see smaller discounts than expected.

#5 – Liberty Mutual: Best for Add-Ons

Pros

• Flexible Coverage Choices: Liberty Mutual lets drivers customize their policies with options like gap coverage, new car replacement, and better car replacement.
• Bundling Savings: Customers can save more by combining auto and home insurance under one policy.
• Simple Digital Tools: The mobile app makes it easy to file claims, pay bills, and manage coverage anytime.

Cons

• Above-Average Rates: Monthly premiums can be higher than Connecticut’s average. See our Liberty Mutual insurance review for detailed pricing comparisons.
• Claims Delays: Some drivers report slower processing times for complex claims.

#6 – Travelers: Best for Broad Coverage

Pros

• Broad Coverage: Travelers provides flexible auto insurance plans in Connecticut for both personal and business drivers.
• Financial Strength: Earns an A++ rating from A.M. Best, showing its dependable claims service & financial stability. See our Travelers insurance review for more coverage options.
• Good Discounts: Savings are available for hybrid vehicles, safe drivers, and bundled policies.

Cons

• Higher Rates: Monthly rates tend to be higher than those from budget insurers.
• Basic Online Tools: The website and app can feel less intuitive compared to competitors.

#7 – Arbella: Best for Anti-Theft Discounts

Pros

• Strong Anti-Theft Savings: Drivers can save up to 36% through anti-theft auto insurance discounts when their vehicles include advanced security features.
• Local Expertise: Arbella focuses on New England drivers, offering coverage that fits regional needs and driving conditions.
• Community-Focused Service: Arbella is known for its personal approach and long-standing local relationships.

Cons

• Limited Coverage Area: Policies are available only in select New England states.
• Above-Average Rates: Monthly premiums can be slightly higher than some regional competitors.

#8 – Mapfre: Best for Multiple Vehicles

Pros

• Multi-Vehicle Savings: Families with more than one car can cut costs and simplify their plans through multi-vehicle auto insurance.
• Affordable Coverage: MAPFRE offers reasonable pricing with dependable protection that works well for everyday drivers.
• Helpful Claims Service: Many customers appreciate MAPFRE’s quick response times and courteous claims representatives.

Cons

• Basic Online Access: The website and app provide limited tools compared to larger insurers.
• Fewer Discount Programs: MAPFRE offers fewer unique savings options than some national competitors.

#9 – Farmers: Best for Safe Drivers

Pros

• Safe Driver Discounts: Farmers rewards accident-free drivers with savings of up to 30%. See our Farmers insurance review for more on safe-driver rewards and discounts.
• Comprehensive Coverage: Farmers offers strong protection for high-value vehicles and families with multiple cars.
• Usage-Based Savings: Low-mileage drivers can qualify for additional rate reductions through usage-based programs.

Cons

• Higher Starting Rates: Monthly insurance premiums in Connecticut are often higher than competitors such as Geico.
• Varying Agent Support: Customer service quality in Connecticut can differ depending on the local agent or office.

#10 – Progressive: Best for Risk Drivers

Pros

• Strong Option for High-Risk Drivers: Progressive offers fair pricing for drivers with past accidents or violations.
• Easy Policy Management: Coverage changes and payments can be handled quickly online or through the mobile app.
• Snapshot Savings: Progressive’s Snapshot program tracks safe driving habits and can lower monthly premiums. See our Progressive insurance review for telematics savings.

Cons

• Inconsistent Claims Service: Claim experiences in Connecticut can vary depending on the city and agent.
• Smaller Loyalty Rewards: Long-term customers may see fewer ongoing discounts than with other Connecticut insurance companies.

Choosing the Best Auto Insurance in CT

When comparing the best auto insurance companies in Connecticut, your choice depends on what you need most. Amica offers reliable service, while Geico provides affordable options and easy access to Connecticut auto insurance quotes online.

Allstate appeals to drivers who don’t drive often and can benefit from usage-based and low-mileage discounts.

It’s smart to review your policy annually and compare auto insurance companies to see which one best fits you as your coverage needs and budget change.

Get the best Connecticut auto insurance rates possible by entering your ZIP code into our free comparison tool today.