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The best cheap car insurance in Connecticut

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Connecticut is ranked the ninth-most expensive state for car insurance, according to the Insurance Information Institute, with the average driver spending about $1,168.33 per year on premiums. 

Connecticut drivers have a big opportunity to save if they’re willing to shop around. Auto insurance costs can vary widely from person to person, and there are many factors that go into them.

Things like your age, gender, and your credit score can all influence your premium, or the amount you’ll pay for coverage. Each company uses a different formula to consider these factors into your price, so you’ll want to get a few different quotes to see which company offers you the best price. 

That said, some companies offer excellent rates in Connecticut. Here are a few to help you start your search. 

The following are the most popular car insurance companies in Connecticut, based on the percentage of insured Connecticut drivers who use them:

Company Market share (%)
GEICO 18.44
Progressive 11.27
Allstate 9.72
Liberty Mutual 8.41
State Farm 7.1
Travelers 5.71
USAA* 4.77
MetLife 3.74
Amica 3.61
Nationwide 3.3
The Hartford 3.08
CSAA Insurance 2.28
The Hanover Insurance Group 1.92
Farmers 1.85
National General 1.85
American Family 1.67
Chubb 1.62
MAPFRE 1.49
Plymouth Rock 0.96
Kemper 0.84
Utica National Insurance 0.7
Arbella Insurance 0.7

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the New England region (which includes Connecticut):

  1. Amica Mutual
  2. State Farm
  3. GEICO
  4. Region Average
  5. Progressive
  6. The Hanover 
  7. Arbella
  8. Liberty Mutual
  9. Plymouth Rock Assurance
  10. Travelers
  11. Allstate
  12. MetLife
  13. Safety Insurance 
  14. MAPFRE Insurance 

Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state, and found that three companies came out on top for three different credit levels. Here are the three best companies and their average price for coverage:

Drivers with excellent credit, FICO score 800-850, will see some of the best average rates on car insurance.

  • Amica car insurance: $1,072 per year
  • Travelers car insurance: $1,125 per year
  • USAA car insurance: $1,177 per year

Drivers with good credit, FICO score 670-739, will see the best coverage from these three companies, on average:

  • Travelers car insurance: $1,278 per year
  • USAA car insurance: $1,343 per year
  • State Farm car insurance: $1,542 per year

Those with poor credit, FICO score 300-579, will pay more for their car insurance, on average.

  • Travelers car insurance: $2,259 per year
  • USAA car insurance: $2,420 per year
  • GEICO car insurance: $2,542 per year

For a driver in Connecticut age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium
USAA* $173
Allstate $182
Nationwide $190
GEICO $191
State Farm $193
Travelers $203
Safeco $216
Esurance $216
Progressive $227
Liberty Mutual $263
Farmers $278
MetLife $470

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 1,128 policyholders in the state of Connecticut

For a driver in Connecticut age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium 
State Farm $134
GEICO $202
Allstate $209
Progressive $222
Esurance $246
Farmers $329

Above data obtained from Savvy, based on 1,128 policyholders in the state of Connecticut

Below is the estimated average annual premium of auto insurance policies per household in Connecticut’s most populous cities:

City Average annual insurance premium 
Bridgeport $1,378
New Haven $1,348
Stamford $1,606
Hartford $1,277
Waterbury $1,355
Norwalk $1,604
Danbury $1,532
New Britain $1,353
West Hartford $1,638
Meriden $1,471
Bristol $1,491
West Haven $1,454
Stratford $1,544
Milford $1,594
East Hartford $1,427
Middletown $1,478
Shelton $1,605
Norwich $1,449
Trumbull $1,726
Torrington $1,474
Naugatuck $1,547
Newington $1,580
Manchester $1,431
East Haven $1,519
Westport $1,816
New London $1,327
Wethersfield $1,578
North Haven $1,644
Darien $1,878
Ansonia $1,424
Wallingford $1,518
Willimantic $1,283
Storrs $1,314
Orange $1,698
Greenwich $1,591
Derby $1,485
Windsor Locks $1,528
Bethel $1,578
Groton $1,438
Riverside $1,850

Data from S&P Global Intelligence

As the data above shows, your credit score is one of the bigger influences on the price you’ll pay for coverage. But, there are many other factors that play into your premium, too. With every company considering them differently, it’s critical to shop around. 

If you want to get the best rate for you, you’ll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you’ll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you’ll pay out-of-pocket if you get into an accident. 

The driver who gets the best deal in Connecticut is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you. 

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