Connecticut Car Insurance [Rates + Cheap Coverage Guide]

Connecticut car insurance requirements are 25/50/25 for bodily injury and property coverage. Average Connecticut car insurance rates are $1,544/yr. or $128.67/mo.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses...

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Reviewed byJoel Ohman
Founder, CFP®

UPDATED: May 15, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Connecticut Statistics SummaryDetails
Roadway MilesTotal in State: 21,508
Vehicle Miles Driven: 3.2 billion
Vehicles Registered2.8 million
Population3.6 million
Most Popular VehicleNissan Rogue
Uninsured Drivers9.4%
Traffic Fatalities2017
Total: 278
Speeding: 88
Drunk Driving: 120
Average Annual PremiumCollision: $369
Liability: $650.94
Comprehensive: $131.62
Combined: $1,151.07
Cheapest ProviderState Farm

From the massive campus in Bristol that houses the Worldwide Leader in Sports to the national championship-churning Women’s and Men’s basketball programs in Storrs to the WWE Corporate Headquarters in Stamford, Connecticut has become an unlikely cradle of sports highlights, information, and entertainment.

What do Geno Auriema, Jim Calhoun, Ray Allen, Diana Taurasi, Maya Moore, Rebecca Lobo, Kemba Walker, Emeka Okafor, Ben Gordon, Richar Hamilton, Khalid El-Amin, Dan Patrick, Keith Olbermann, Bob Ley, Chris Berman, Stuart Scott, Rich Eisen, Scott Van Pelt, Robin Roberts, Linda Cohn, and Vince McMahon have in common?

Connecticut served as all of their fertile ground for athletic achievement and multimedia celebrity. Each one of the aforementioned athletes and personalities is known for not only for their athletic, commercial, and/or journalistic accomplishments but also for their intense love of competition.

In celebration of the same spirit of competition, enter your ZIP code to receive competitive car insurance quotes from the top carriers in the state of Connecticut.

Table of Contents

Connecticut Insurance Coverage and Rates

Finding the time to research all there is to know about car insurance companies in Connecticut and their rates and practices can seem like an impossible task.

The good news is we’ve paved the way for you to get the information you want and need to make an informed decision about your car insurance. We will help you discover the key indicators that insurance companies consider risks and how you can mitigate those risks.

We’ll help you to know what the state requires, what you may want or need, and where you can get it at the best price. See how Connecticut compares with other states in terms of rates.

Connecticut Minimum Coverage

Connecticut is a fault state, meaning that the person who was at fault for causing the car accident is responsible to compensate anyone who suffered harm as a result of the crash.

The required minimum limits for basic coverage in Connecticut is to 25/50/25 for all motorists. This means that car owners must carry the following minimum levels of liability insurance:

$25,000 for bodily injury or death of one person in an accident caused by the owner of the insured vehicle, $50,000 for total bodily injury or death in an accident caused by the owner of the insured vehicle, and $25,000 for property damage per accident caused by the owner of the insured vehicle.

Connecticut does require you to carry Uninsured/Underinsured Motorist coverage so that you can protect yourself and your passengers and pay for any medical bills if the at-fault driver has no insurance, or if you’re the victim of a hit-and-run.

How much risk are you assuming by only carrying the minimum amount of liability insurance? It depends on your monthly budget and on how exposed you want to be to potential litigation, and can also vary from state to state.

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If you have assets or future assets that you wish to protect, you want to consider increasing your liability coverage.

The experts at the Wall Street Journal recommend liability limits of 100/300/50 and offer the following advice for choosing your coverage limits:

Make sure you’re covered for an amount equal to the total value of your assets (Add up the dollar values of your house, your car, savings, and investments).

Please be aware that basic coverage only provides you with liability protection; It will not pay to repair or replace your car for an accident that you cause.

If you’re looking to repair or replace your car after an accident, then collision and comprehensive coverage are worth the investment. These policies come with a deductible and they pay out based on the current value of your car, not necessarily the price you might have paid for it.

Self-insurance is available in Connecticut to individuals who receive approval from the state insurance commissioner by providing evidence of ability to meet financial obligations.

Next, we will take a look at how much motorists in Connecticut pay on average for auto insurance. The amount you actually will pay may be slightly lower or higher than these figures, but this data will provide you with some context from which you can project your own situation with reasonable accuracy.

Premiums as a Percentage of Income

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Comedienne Paula Poundstone once quipped, “The wages of sin are death, but by the time taxes are taken out, it’s just sort of a tired feeling.”

That funny one-liner illustrates how taxes can affect one’s Disposable Personal Income (DPI), which is the money you’re allowed to keep after the government takes its portion.

Annual Full Coverage
Average Premiums
Monthly Full Coverage
Average Premiums
Annual Per Capita
Disposable Personal Income
Monthly Per Capita
Disposable Personal Income
Percentage of Income

You are mandated by law to carry at least the basic coverage. A full coverage policy includes liability, comprehensive, and collision insurance. Here’s a peek at the average cost of each:

Now that we have examined facts about auto insurance costs to individual consumers, let’s take a look at some important statistics about the insurance companies themselves.

First, let us examine the concept of loss ratio.

Loss Ratio

What exactly is a loss ratio? And what is its effect on your premiums?

The insurance loss ratio is the loss to the insurance company for claims that were paid out, divided by the premiums collected. A high loss ratio means that an insurance company has too many customers filing claims, which will subsequently lead to a rise in future premiums for all consumers.

Geico, the largest auto insurer in Connecticut, has a loss ratio of 75.82 percent. Typically, a loss ratio between 40 to 60 percent is considered standard. Too much higher would mean that a company is paying out too many claims and would have a hard time remaining solvent. However, if a company’s loss ratio is well under 40 percent, that means the company is pocketing much more money in premiums than paying out in claims or discounts to its customers.

Add-ons, Endorsements, Riders

A little over nine percent of drivers in Connecticut (9.4 percent to be exact) don’t have insurance, which ranks as the 36th highest percentage in the country.

As protection against those who drive without any insurance coverage, you may consider opting for additional coverage options to protect.

One such option in the Constitution State is Medical Payments Coverage. Medical Payments Coverage, or Med Pay, is an optional coverage in all motor vehicle insurance policies in the State of Connecticut. You can purchase this coverage in the following amounts: $1,000, $5,000, $10,000, $25,000 or even $50,000.

Med Pay insurance applies regardless of whether the insured or another driver was at fault. It even applies when the insured or the insured’s family are pedestrians on the street and are struck by another motorist.

Despite the increasing popularity of pay-by-the-mile auto insurance plans offered by companies like Metromile, they are currently not being offered in Connecticut.

Other Usage-Based Insurance programs (UBI) are active and available to drivers in Connecticut. Programs like Drivewise from Allstate or Snapshot from Progressive or Drive Safe & Save from State Farm offer discounts to drivers based on how well and how often they drive.

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In addition to these add-ons, there are several more optional enhancements that you can explore to decide which ones may be right for you:

Male Vs. Female Rates in Connecticut

Cyndi Lauper once reminded us: “When the working day is done, girls just want to have fun.” And there are few things more fun in Connecticut than saving money on car insurance quotes. In that context, let’s see whether or not girls are having more fun than boys when it comes to their insurance premiums.

Take a look at the following chart and table to compare and contrast.

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CompanySingle 17-year old female Annual RateSingle 17-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual RateMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual Rate
Allstate F&C$11,215.24$13,243.90$3,843.87$4,038.70$3,673.14$3,634.67$3,382.07$3,621.23
Geico General$5,263.28$6,225.80$2,191.49$2,126.23$2,272.26$2,278.35$2,107.40$2,124.47
Safeco Ins Co of IL$17,597.17$19,837.39$3,558.72$3,883.84$3,516.76$3,825.92$2,706.04$3,337.15
Nationwide Discover Agency$6,485.04$8,226.75$2,717.04$2,921.42$2,343.37$2,370.04$2,105.93$2,209.18
Progressive Casualty$11,031.05$12,232.33$3,016.42$3,379.83$2,642.90$2,461.27$2,252.80$2,346.17
State Farm Mutual Auto$5,517.07$6,936.22$2,041.38$2,342.71$1,815.86$1,815.86$1,670.41$1,670.41
Travelers Home & Marine Ins Co$13,987.79$22,605.07$1,970.21$2,216.01$1,810.97$1,837.61$1,806.15$1,800.54
USAA CIC$6,175.72$6,480.54$2,622.21$2,716.62$1,958.26$1,937.36$1,826.50$1,802.82

Here’s a look at the Most Expensive Demographic rates in Connecticut. Where do you fit in the equation? Are you on the higher end or lower end of the ledger? Do you now have a better idea of what car insurance cost you and your family in the Nutmeg State?

CompanyDemographicAverage Annual RateRank
Travelers Home & Marine Ins CoSingle 17-year old male$22,605.071
Safeco Ins Co of ILSingle 17-year old male$19,837.392
Safeco Ins Co of ILSingle 17-year old female$17,597.173
Travelers Home & Marine Ins CoSingle 17-year old female$13,987.794
Allstate F&CSingle 17-year old male$13,243.905
Progressive CasualtySingle 17-year old male$12,232.336
Allstate F&CSingle 17-year old female$11,215.247
Progressive CasualtySingle 17-year old female$11,031.058
Nationwide Discover AgencySingle 17-year old male$8,226.759
State Farm Mutual AutoSingle 17-year old male$6,936.2210
Nationwide Discover AgencySingle 17-year old female$6,485.0411
USAA CICSingle 17-year old male$6,480.5412
Geico GeneralSingle 17-year old male$6,225.8013
USAA CICSingle 17-year old female$6,175.7214
State Farm Mutual AutoSingle 17-year old female$5,517.0715
Geico GeneralSingle 17-year old female$5,263.2816
Allstate F&CSingle 25-year old male$4,038.7017
Safeco Ins Co of ILSingle 25-year old male$3,883.8418
Allstate F&CSingle 25-year old female$3,843.8719
Safeco Ins Co of ILMarried 35-year old male$3,825.9220
Allstate F&CMarried 35-year old female$3,673.1421
Allstate F&CMarried 35-year old male$3,634.6722
Allstate F&CMarried 60-year old male$3,621.2323
Safeco Ins Co of ILSingle 25-year old female$3,558.7224
Safeco Ins Co of ILMarried 35-year old female$3,516.7625
Allstate F&CMarried 60-year old female$3,382.0726
Progressive CasualtySingle 25-year old male$3,379.8327
Safeco Ins Co of ILMarried 60-year old male$3,337.1528
Progressive CasualtySingle 25-year old female$3,016.4229
Nationwide Discover AgencySingle 25-year old male$2,921.4230
Nationwide Discover AgencySingle 25-year old female$2,717.0431
USAA CICSingle 25-year old male$2,716.6232
Safeco Ins Co of ILMarried 60-year old female$2,706.0433
Progressive CasualtyMarried 35-year old female$2,642.9034
USAA CICSingle 25-year old female$2,622.2135
Progressive CasualtyMarried 35-year old male$2,461.2736
Nationwide Discover AgencyMarried 35-year old male$2,370.0437
Progressive CasualtyMarried 60-year old male$2,346.1738
Nationwide Discover AgencyMarried 35-year old female$2,343.3739
State Farm Mutual AutoSingle 25-year old male$2,342.7140
Geico GeneralMarried 35-year old male$2,278.3541
Geico GeneralMarried 35-year old female$2,272.2642
Progressive CasualtyMarried 60-year old female$2,252.8043
Travelers Home & Marine Ins CoSingle 25-year old male$2,216.0144
Nationwide Discover AgencyMarried 60-year old male$2,209.1845
Geico GeneralSingle 25-year old female$2,191.4946
Geico GeneralSingle 25-year old male$2,126.2347
Geico GeneralMarried 60-year old male$2,124.4748
Geico GeneralMarried 60-year old female$2,107.4049
Nationwide Discover AgencyMarried 60-year old female$2,105.9350
State Farm Mutual AutoSingle 25-year old female$2,041.3851
Travelers Home & Marine Ins CoSingle 25-year old female$1,970.2152
USAA CICMarried 35-year old female$1,958.2653
USAA CICMarried 35-year old male$1,937.3654
Travelers Home & Marine Ins CoMarried 35-year old male$1,837.6155
USAA CICMarried 60-year old female$1,826.5056
State Farm Mutual AutoMarried 35-year old female$1,815.8657
State Farm Mutual AutoMarried 35-year old male$1,815.8657
Travelers Home & Marine Ins CoMarried 35-year old female$1,810.9759

Take a look at Travelers Home & Marine Insurance Company. If you’re a 35-year-old married man, you’ll pay $1,815.86 on average for your annual premium, which would be among the lowest rate possible statewide. However, if you are a 17-year-old single man looking to get insured by that same company, your average annual premium would be $22,605.07, the absolute highest in the state

That is a difference of $20,789.21 per year.

As you can see, it pays to do your due diligence when shopping around for car insurance and even something as simple as your gender can affect your car insurance. There is no one size fits all insurer. A company offering the best rates for one customer may end up being the most expensive option for another.

Connecticut Insurance Rates by ZIP Code

So that you can find where your city and neighborhood rank statewide, here are the average annual premiums by ZIP code in Connecticut:

Most Expensive ZIP Codes in ConnecticutCityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
06103HARTFORD$6,373.96Travelers$9,948.34Liberty Mutual$9,887.85GEICO$4,205.53USAA$4,206.85
06105HARTFORD$6,373.96Travelers$9,948.34Liberty Mutual$9,887.85GEICO$4,205.53USAA$4,206.85
06106HARTFORD$6,373.96Travelers$9,948.34Liberty Mutual$9,887.85GEICO$4,205.53USAA$4,206.85
06112HARTFORD$6,373.96Travelers$9,948.34Liberty Mutual$9,887.85GEICO$4,205.53USAA$4,206.85
06114HARTFORD$6,373.96Travelers$9,948.34Liberty Mutual$9,887.85GEICO$4,205.53USAA$4,206.85
06120HARTFORD$6,373.96Travelers$9,948.34Liberty Mutual$9,887.85GEICO$4,205.53USAA$4,206.85
06160HARTFORD$6,373.96Travelers$9,948.34Liberty Mutual$9,887.85GEICO$4,205.53USAA$4,206.85
06510NEW HAVEN$6,173.99Travelers$9,256.06Liberty Mutual$8,718.72State Farm$3,935.59GEICO$4,223.88
06511NEW HAVEN$6,173.99Travelers$9,256.06Liberty Mutual$8,718.72State Farm$3,935.59GEICO$4,223.88
06512EAST HAVEN$6,173.99Travelers$9,256.06Liberty Mutual$8,718.72State Farm$3,935.59GEICO$4,223.88
06513NEW HAVEN$6,173.99Travelers$9,256.06Liberty Mutual$8,718.72State Farm$3,935.59GEICO$4,223.88
06515NEW HAVEN$6,173.99Travelers$9,256.06Liberty Mutual$8,718.72State Farm$3,935.59GEICO$4,223.88
06519NEW HAVEN$6,173.99Travelers$9,256.06Liberty Mutual$8,718.72State Farm$3,935.59GEICO$4,223.88
06101HARTFORD$6,148.49Travelers$9,948.34Liberty Mutual$9,887.85GEICO$4,205.53USAA$4,206.85
06152HARTFORD$6,148.49Travelers$9,948.34Liberty Mutual$9,887.85GEICO$4,205.53USAA$4,206.85
06604BRIDGEPORT$6,112.78Liberty Mutual$9,542.38Travelers$8,780.42State Farm$4,104.01USAA$4,160.98
06605BRIDGEPORT$6,112.78Liberty Mutual$9,542.38Travelers$8,780.42State Farm$4,104.01USAA$4,160.98
06606BRIDGEPORT$6,112.78Liberty Mutual$9,542.38Travelers$8,780.42State Farm$4,104.01USAA$4,160.98
06607BRIDGEPORT$6,112.78Liberty Mutual$9,542.38Travelers$8,780.42State Farm$4,104.01USAA$4,160.98
06608BRIDGEPORT$6,112.78Liberty Mutual$9,542.38Travelers$8,780.42State Farm$4,104.01USAA$4,160.98
06610BRIDGEPORT$6,112.78Liberty Mutual$9,542.38Travelers$8,780.42State Farm$4,104.01USAA$4,160.98
06650BRIDGEPORT$5,793.71Liberty Mutual$9,542.38Travelers$8,780.42GEICO$3,632.90State Farm$4,104.01
06702WATERBURY$5,790.41Travelers$8,351.14Liberty Mutual$8,132.56USAA$3,668.44State Farm$3,833.37
06704WATERBURY$5,790.41Travelers$8,351.14Liberty Mutual$8,132.56USAA$3,668.44State Farm$3,833.37
06705WATERBURY$5,790.41Travelers$8,351.14Liberty Mutual$8,132.56USAA$3,668.44State Farm$3,833.37
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Hartford, East Haven, and Bridgeport have the most expensive ZIP codes in Connecticut. All three of these cities are among the most populated cities in the state.

Cheapest ZIP Codes in ConnecticutCityAverage Annual Rate by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
06340GROTON$3,896.10Liberty Mutual$6,416.79Allstate$5,237.70GEICO$2,455.10State Farm$2,654.24
06355MYSTIC$3,986.37Liberty Mutual$6,416.79Allstate$5,237.70GEICO$2,455.10State Farm$2,654.24
06331CANTERBURY$4,028.12Liberty Mutual$6,378.51Allstate$5,403.39GEICO$2,637.09State Farm$2,684.12
06333EAST LYME$4,041.05Liberty Mutual$6,503.20Allstate$5,237.70GEICO$2,573.58State Farm$2,666.69
06357NIANTIC$4,041.05Liberty Mutual$6,503.20Allstate$5,237.70GEICO$2,573.58State Farm$2,666.69
06359NORTH STONINGTON$4,068.88Liberty Mutual$6,326.05Allstate$5,225.68GEICO$2,545.86State Farm$2,684.12
06226WILLIMANTIC$4,070.37Liberty Mutual$6,913.93Allstate$5,338.09State Farm$2,684.12GEICO$2,784.21
06266SOUTH WINDHAM$4,070.37Liberty Mutual$6,913.93Allstate$5,338.09State Farm$2,684.12GEICO$2,784.21
06280WINDHAM$4,070.37Liberty Mutual$6,913.93Allstate$5,338.09State Farm$2,684.12GEICO$2,784.21
06475OLD SAYBROOK$4,076.16Liberty Mutual$6,631.86Allstate$5,244.00GEICO$2,480.89State Farm$2,666.69
06264SCOTLAND$4,084.21Liberty Mutual$6,537.83Allstate$5,403.39GEICO$2,637.09State Farm$2,684.12
06334BOZRAH$4,085.37Liberty Mutual$6,821.20Allstate$5,237.70GEICO$2,637.09State Farm$2,684.12
06371OLD LYME$4,087.72Liberty Mutual$6,430.78Travelers$5,354.34GEICO$2,573.58State Farm$2,666.69
06426ESSEX$4,088.33Liberty Mutual$6,693.61Allstate$5,244.00GEICO$2,480.89State Farm$2,666.69
06442IVORYTON$4,088.33Liberty Mutual$6,693.61Allstate$5,244.00GEICO$2,480.89State Farm$2,666.69
06420SALEM$4,091.02Liberty Mutual$6,780.41Allstate$5,237.70State Farm$2,684.12GEICO$2,708.26
06498WESTBROOK$4,093.66Liberty Mutual$6,728.53Allstate$5,244.00State Farm$2,666.69GEICO$2,832.06
06375QUAKER HILL$4,094.49Liberty Mutual$6,643.12Travelers$5,363.30State Farm$2,654.24USAA$2,700.71
06385WATERFORD$4,094.49Liberty Mutual$6,643.12Travelers$5,363.30State Farm$2,654.24USAA$2,700.71
06249LEBANON$4,099.90Liberty Mutual$6,376.82Allstate$5,469.52State Farm$2,684.12GEICO$2,784.21
06417DEEP RIVER$4,103.33Liberty Mutual$7,027.36Allstate$5,244.00GEICO$2,480.89State Farm$2,666.69
06332CENTRAL VILLAGE$4,105.28Liberty Mutual$6,571.22Allstate$5,573.25GEICO$2,545.86State Farm$2,684.12
06354MOOSUP$4,105.28Liberty Mutual$6,571.22Allstate$5,573.25GEICO$2,545.86State Farm$2,684.12
06374PLAINFIELD$4,105.28Liberty Mutual$6,571.22Allstate$5,573.25GEICO$2,545.86State Farm$2,684.12
06423EAST HADDAM$4,112.43Liberty Mutual$6,707.15Travelers$5,328.44GEICO$2,480.89State Farm$2,666.69
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Curious about how some other ZIP code stack up? Take a look at our interactive chart below.

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Connecticut Insurance Rates by City

Where does your city rank statewide?

Most Expensive Cities in ConnecticutAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Hartford$6,323.85Travelers$9,948.34Liberty Mutual$9,887.85GEICO$4,205.53USAA$4,206.85
East Haven$6,173.99Travelers$9,256.06Liberty Mutual$8,718.72State Farm$3,935.59GEICO$4,223.88
New Haven$6,173.99Travelers$9,256.06Liberty Mutual$8,718.72State Farm$3,935.59GEICO$4,223.88
Bridgeport$6,067.20Liberty Mutual$9,542.38Travelers$8,780.42State Farm$4,104.01USAA$4,160.98
Waterbury$5,790.41Travelers$8,351.14Liberty Mutual$8,132.56USAA$3,668.44State Farm$3,833.37
West Haven$5,574.19Liberty Mutual$8,292.16Travelers$7,392.35State Farm$3,664.33GEICO$3,818.52
Hamden$5,500.65Liberty Mutual$8,433.73Progressive$7,127.90State Farm$3,300.29GEICO$3,695.54
South Britain$5,154.91Travelers$9,256.06Liberty Mutual$7,593.52GEICO$3,123.27State Farm$3,125.79
East Hartford$5,131.08Liberty Mutual$7,723.42Travelers$6,353.95USAA$3,350.48State Farm$3,667.23
Woodbridge$5,126.81Liberty Mutual$8,032.50Allstate$6,902.19GEICO$3,126.08State Farm$3,300.29
Milford$5,105.40Liberty Mutual$7,939.79Travelers$6,838.54State Farm$2,888.56GEICO$3,127.90
East Glastonbury$5,103.26Travelers$9,948.34Liberty Mutual$7,311.53USAA$2,855.32GEICO$3,033.26
North Haven$5,079.93Liberty Mutual$8,186.95Travelers$6,838.54State Farm$3,232.22GEICO$3,500.50
Stratford$5,035.21Liberty Mutual$8,284.57Allstate$6,438.54State Farm$3,322.57USAA$3,447.97
Milldale$5,026.12Travelers$9,948.34Liberty Mutual$7,018.89USAA$2,855.32State Farm$2,876.04
Naugatuck$5,020.78Liberty Mutual$8,194.68Allstate$6,565.08State Farm$3,125.79GEICO$3,483.96
Branford$5,015.32Liberty Mutual$8,134.73Travelers$6,435.56GEICO$3,062.65State Farm$3,232.22
Prospect$5,005.80Liberty Mutual$8,135.07Allstate$6,565.08State Farm$3,125.79USAA$3,452.12
New Britain$5,004.15Liberty Mutual$7,650.63Travelers$6,948.18USAA$3,482.43State Farm$3,501.20
Bloomfield$4,999.25Liberty Mutual$7,311.53Travelers$6,783.66State Farm$3,243.57USAA$3,350.48
North Branford$4,989.45Liberty Mutual$7,819.09Travelers$6,811.12State Farm$3,232.22GEICO$3,253.57
Shelton$4,965.43Liberty Mutual$7,712.67Travelers$6,496.25USAA$3,259.50State Farm$3,322.57
Poquonock$4,961.51Travelers$9,948.34Liberty Mutual$7,235.38State Farm$2,604.03USAA$2,855.32
Orange$4,955.71Liberty Mutual$7,519.57Allstate$6,521.58State Farm$2,888.56GEICO$3,127.90
Derby$4,940.32Liberty Mutual$7,514.91Allstate$6,902.19State Farm$3,300.29GEICO$3,398.46
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Hartford once again makes the top of the list for the worst insurance rates in the state.

Cheapest Cities in ConnecticutAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Conning Towers Nautilus Park$3,896.10Liberty Mutual$6,416.79Allstate$5,237.70GEICO$2,455.10State Farm$2,654.24
Mystic$3,986.37Liberty Mutual$6,416.79Allstate$5,237.70GEICO$2,455.10State Farm$2,654.24
Canterbury$4,028.12Liberty Mutual$6,378.51Allstate$5,403.39GEICO$2,637.09State Farm$2,684.12
East Lyme$4,041.05Liberty Mutual$6,503.20Allstate$5,237.70GEICO$2,573.58State Farm$2,666.69
Niantic$4,041.05Liberty Mutual$6,503.20Allstate$5,237.70GEICO$2,573.58State Farm$2,666.69
North Stonington$4,068.88Liberty Mutual$6,326.05Allstate$5,225.68GEICO$2,545.86State Farm$2,684.12
South Windham$4,070.37Liberty Mutual$6,913.93Allstate$5,338.09State Farm$2,684.12GEICO$2,784.21
Windham$4,070.37Liberty Mutual$6,913.93Allstate$5,338.09State Farm$2,684.12GEICO$2,784.21
Old Saybrook$4,076.16Liberty Mutual$6,631.86Allstate$5,244.00GEICO$2,480.89State Farm$2,666.69
Scotland$4,084.20Liberty Mutual$6,537.83Allstate$5,403.39GEICO$2,637.09State Farm$2,684.12
Bozrah$4,085.37Liberty Mutual$6,821.20Allstate$5,237.70GEICO$2,637.09State Farm$2,684.12
Old Lyme$4,087.72Liberty Mutual$6,430.78Travelers$5,354.34GEICO$2,573.58State Farm$2,666.69
Essex Village$4,088.33Liberty Mutual$6,693.61Allstate$5,244.00GEICO$2,480.89State Farm$2,666.69
Ivoryton$4,088.33Liberty Mutual$6,693.61Allstate$5,244.00GEICO$2,480.89State Farm$2,666.69
Salem$4,091.02Liberty Mutual$6,780.41Allstate$5,237.70State Farm$2,684.12GEICO$2,708.26
Westbrook$4,093.66Liberty Mutual$6,728.53Allstate$5,244.00State Farm$2,666.69GEICO$2,832.06
Quaker Hill$4,094.49Liberty Mutual$6,643.12Travelers$5,363.30State Farm$2,654.24USAA$2,700.71
Waterford$4,094.49Liberty Mutual$6,643.12Travelers$5,363.30State Farm$2,654.24USAA$2,700.71
Lebanon$4,099.90Liberty Mutual$6,376.82Allstate$5,469.52State Farm$2,684.12GEICO$2,784.21
Deep River$4,103.33Liberty Mutual$7,027.36Allstate$5,244.00GEICO$2,480.89State Farm$2,666.69
Central Village$4,105.28Liberty Mutual$6,571.22Allstate$5,573.25GEICO$2,545.86State Farm$2,684.12
Moosup$4,105.28Liberty Mutual$6,571.22Allstate$5,573.25GEICO$2,545.86State Farm$2,684.12
Plainfield$4,105.28Liberty Mutual$6,571.22Allstate$5,573.25GEICO$2,545.86State Farm$2,684.12
East Haddam$4,112.43Liberty Mutual$6,707.15Travelers$5,328.44GEICO$2,480.89State Farm$2,666.69
Moodus$4,112.43Liberty Mutual$6,707.15Travelers$5,328.44GEICO$2,480.89State Farm$2,666.69
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Connecticut Car Insurance Companies

Making sense of all the information while trying to decide on the auto insurance company that is the right fit for you can be stressful.

Who’s going to give you the best rates? Who has the best customer service? Do you qualify for any discounts or upgrades? What special features and customer benefits, if any, can you earn?

With so much data to consider and so many options from which to choose, making a sound decision can a bit mystifying.

You don’t have to worry. We have gathered and sorted through all the relevant information you need to make sure your decision is “in a word: superb.”

When deciding on a car insurance company, it is important to make a thorough examination of its public reputation.

Understanding how a company treats its consumers and its responsiveness to customer complaints should be a crucial factor in the equation when you decide whom to trust with your hard-earned dollars.

A company’s public reputation can often be a telling indicator of its business practices and the kinds of prices it offers to the buying public. We’ll show how the largest companies rate in the areas of financial stability and customer satisfaction.

Financial Ratings

AM Best is a credit rating agency. It evaluates insurance companies and grades them based on their financial stability. The table below shows the ten largest insurance companies in Connecticut as measured by direct premiums written with their AM Best rating.

CompanyDirect Premiums WrittenAM Best Rating
Allstate Insurance Group$304,028A+
Liberty Mutual Group$297,602A-
Progressive Group$268,001A+
Travelers Group$195,421A+
State Farm Group$192,401A++
USAA Group$137,617A++
Nationwide Corp Group$123,130A+
Amica Mutual Group$111,152A+
Metropolitan Group$105,129A

Companies in Connecticut with the Most and Least Complaints

For any relationship to endure the test of time, a reservoir of mutual trust and respect must be built. Both parties must have each other’s best interest at heart. Communication and expectations must be clear to everyone involved. If not, unrealistic and unfulfilled expectations will leave one or both parties having twisted feelings over the experience, leaving nobody feeling satisfied.

Unfortunately, not every relationship will cross the finish line of satisfaction. When a consumer is dissatisfied, he or she can file a complaint. Those complaints, warranted or not, are factored into a company’s complaint ratios.

The complaint ratio is how many complaints a company receive per one million dollars of business.

If you wish to file a complaint against an insurance company in the state of Connecticut, use this online form.

Largest Car Insurance Companies in Connecticut

This chart gives a visual representation of the car insurance companies with the largest market share in Connecticut.

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Complaint Ratios for Connecticut’s 10 Largest Auto Insurers

Ever wonder how many licensed auto insurance companies are in Connecticut? The answer is 796. 67 are domestic to Connecticut, while the remaining 729 are nonlocal to the Nutmeg State.

Connecticut Car Insurance Rates by Company

Now, we’re going to examine which carriers, on average, give the best rates statewide, and how they compare to state averages.

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Connecticut Rates by Carrier and Commute

Company10-mile Commute/6,000 Annual Mileage25-Mile Commute/12,000 annual mileage
Liberty Mutual$7,282.87$7,282.87
State Farm$2,902.75$3,049.73

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Connecticut Rates by Carrier and Coverage Level

CompanyHigh Annual RateMedium Annual RateLow Annual Rate
Liberty Mutual$7,625.34$7,227.27$6,996.02
State Farm$3,157.66$2,981.27$2,789.79

Connecticut Rates by Carrier and Credit History

Curious about how your credit history impacts the quotes you receive from car insurance companies? Consumer Reports conducted a study for Connecticut analyzing the effect of credit history on premiums.

CompanyAnnual Rate with Good CreditAnnual Rate Fair with Good CreditAnnual Rate with Poor Credit
Liberty Mutual$5,064.02$6,442.61$10,341.99
State Farm$2,134.56$2,652.13$4,142.03

Connecticut Rates by Carrier and Driving Record

When it comes to having a less-than-perfect driving record, your reputation can be detrimental to your premiums. Each auto insurance company has its own criteria for underwriting and each assesses certain violations differently. Here is a quick look at how different auto insurers in Connecticut price their annual rates for various driving violations:

CompanyClean RecordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUI
Liberty Mutual$6,377.55$6,859.28$7,985.83$7,908.84
State Farm$2,770.61$3,044.79$3,044.79$3,044.79

Connecticut Rates by Carrier and Demographic

CompanyDemographicAverage Annual Rate
Travelers Home & Marine Ins CoMarried 35-year old female$1,810.97
State Farm Mutual AutoMarried 35-year old female$1,815.86
State Farm Mutual AutoMarried 35-year old male$1,815.86
USAA CICMarried 60-year old female$1,826.50
Travelers Home & Marine Ins CoMarried 35-year old male$1,837.61
USAA CICMarried 35-year old male$1,937.36
USAA CICMarried 35-year old female$1,958.26
Travelers Home & Marine Ins CoSingle 25-year old female$1,970.21
State Farm Mutual AutoSingle 25-year old female$2,041.38
Nationwide Discover AgencyMarried 60-year old female$2,105.93
Geico GeneralMarried 60-year old female$2,107.40
Geico GeneralMarried 60-year old male$2,124.47
Geico GeneralSingle 25-year old male$2,126.23
Geico GeneralSingle 25-year old female$2,191.49
Nationwide Discover AgencyMarried 60-year old male$2,209.18
Travelers Home & Marine Ins CoSingle 25-year old male$2,216.01
Progressive CasualtyMarried 60-year old female$2,252.80
Geico GeneralMarried 35-year old female$2,272.26
Geico GeneralMarried 35-year old male$2,278.35
State Farm Mutual AutoSingle 25-year old male$2,342.71
Nationwide Discover AgencyMarried 35-year old female$2,343.37
Progressive CasualtyMarried 60-year old male$2,346.17
Nationwide Discover AgencyMarried 35-year old male$2,370.04
Progressive CasualtyMarried 35-year old male$2,461.27
USAA CICSingle 25-year old female$2,622.21
Progressive CasualtyMarried 35-year old female$2,642.90
Safeco Ins Co of ILMarried 60-year old female$2,706.04
USAA CICSingle 25-year old male$2,716.62
Nationwide Discover AgencySingle 25-year old female$2,717.04
Nationwide Discover AgencySingle 25-year old male$2,921.42
Progressive CasualtySingle 25-year old female$3,016.42
Safeco Ins Co of ILMarried 60-year old male$3,337.15
Progressive CasualtySingle 25-year old male$3,379.83
Allstate F&CMarried 60-year old female$3,382.07
Safeco Ins Co of ILMarried 35-year old female$3,516.76
Safeco Ins Co of ILSingle 25-year old female$3,558.72
Allstate F&CMarried 60-year old male$3,621.23
Allstate F&CMarried 35-year old male$3,634.67
Allstate F&CMarried 35-year old female$3,673.14
Safeco Ins Co of ILMarried 35-year old male$3,825.92
Allstate F&CSingle 25-year old female$3,843.87
Safeco Ins Co of ILSingle 25-year old male$3,883.84
Allstate F&CSingle 25-year old male$4,038.70
Geico GeneralSingle 17-year old female$5,263.28
State Farm Mutual AutoSingle 17-year old female$5,517.07
USAA CICSingle 17-year old female$6,175.72
Geico GeneralSingle 17-year old male$6,225.80
USAA CICSingle 17-year old male$6,480.54
Nationwide Discover AgencySingle 17-year old female$6,485.04
State Farm Mutual AutoSingle 17-year old male$6,936.22
Nationwide Discover AgencySingle 17-year old male$8,226.75
Progressive CasualtySingle 17-year old female$11,031.05
Allstate F&CSingle 17-year old female$11,215.24
Progressive CasualtySingle 17-year old male$12,232.33
Allstate F&CSingle 17-year old male$13,243.90
Travelers Home & Marine Ins CoSingle 17-year old female$13,987.79
Safeco Ins Co of ILSingle 17-year old female$17,597.17
Safeco Ins Co of ILSingle 17-year old male$19,837.39
Travelers Home & Marine Ins CoSingle 17-year old male$22,605.07

Note: All carriers and situations are not created equal. Examine the vast difference between the rates offered to a 35-year-old married female and a 17-year-old single female by Travelers:

A married 35-year-old female will pay $1,810.97 on average with Travelers; while a 17-year-old single female will pay $13,987.79 with the same company.

When it comes to comparing car insurance from various companies to get the best rates, don’t fall into the trap of picking a company that was right for a friend or relative because their situation may be completely different than yours. Instead, you should select the company that best suits your specific needs.

Choose the company that will provide the best rates and services for your present circumstance, not anybody else’s. The best way to ensure that you’re getting the best possible coverage at the best possible rates for your specific circumstance is to compare rates from multiple carriers.

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Another sure-fire way to make sure your rates stay as low as possible is to be a good driver. And being a good driver entails knowing the rules of the road and adhering to them. We’ll go over the laws of the land to keep you informed and your driving record spotless.

Connecticut Laws

Trying to memorize every traffic law in Connecticut would be both mind-numbing and impractical. We’ll help you to sift through the nonessentials and highlight those regulations which are most relevant Connecticut drivers.

Car Insurance Laws

State laws have considerable influence on auto insurance. Each state determines the type of tort law and threshold (if any) that applies in the state, the type and amount of liability insurance required, and the system used for approval of insurer rates and forms.

Insurance companies in Connecticut are subject to the regulations set by that state insurance commissioner. Ultimately, all rates and regulations must meet the fair competition standards set by the National Association of Insurance Commissioners (NAIC).

Car Insurance Rate-Setting Regulations

“Open competition” is the capitalistic process in which rates are formed; however, if the insurance commissioner decides that rates are excessive or could be harmful to the company’s solvency, he or she will step in and adjust those figures.

High-Risk Insurance

The SR-22 form must be filed by drivers who have committed violations or have multiple infractions, as well as uninsured drivers and others. If your license has been revoked or suspended, you may need to file an SR-22 to have it reinstated.

The SR-22 form is available from your insurance company but it is not an insurance policy.

If you do require the SR-22 insurance proof in CT, that means your license is or will be suspended or revoked and you cannot legally drive in Connecticut. Filing the correct documentation and meeting other requirements per the DMV can help you toward eventually reinstating your driving privileges.

Please be sure to have the correct address on your driver’s license to ensure that you receive the notice.

Here is a list of some major violations that will earn points on your license or even a suspension in Connecticut:

  • Negligent homicide with a motor vehicle:5 points
  • Operation of a school bus at excessive speed: 5points
  • Passing a stopped school bus: 4 points
  • Passing in a no passing zone:3 points
  • Driving while impaired: 3 points
  • Failure to obey stop sign or red light:2 points
  • Speeding:1 point

To see a list of other violations that can result in points or suspension, click here.

Your license may be canceled for an incorrect or fraudulent license application or it may be canceled if a check written to pay driver license fees is returned for insufficient funds.

Windshield Coverage

Connecticut has no specific laws requiring insurance companies to offer special glass coverage or no-deductible windshield replacement. The Constitutions State does allow for a “Full Glass Coverage” option that covers broken safety glass, including windshields, with no deductible. You may have your car repaired at a repair shop to your liking, but you may be required to pay the difference. Connecticut allows insurers to use aftermarket parts, as well as used recycled parts, but they must inform you in writing.

For a detailed summary of windshield and glass coverage in Connecticut, refer to this article.

Automobile Insurance Fraud in Connecticut

Insurance fraud is the second largest economic crime in America. Insurance fraud impacts premium rates and the prices consumers pay for goods and services. The department’s insurance fraud prevention division plays an important role in investigating suspected fraud.

And if those fraud numbers continue to escalate it is more likely that the insurance will pass on some of that cost to you as the consumer in the form of increased premiums.

If companies didn’t have to waste your premium dollars on false claims, you could see a reduction in the rates you pay.

There are two classifications of fraud: hard and soft.

  • Hard Fraud – A purposefully fabricated claim or accident
  • Soft Fraud – A misrepresentation of information to the insurance company

Soft fraud is more common than hard fraud. Twenty to 40 percent of consumers admitted to lying to their insurer about one of the following:

  • Number of annual miles driven
  • Number of drivers in the household
  • How the vehicle would be used

Insurance fraud is a crime no matter how you slice it. Even the “little, white lie” you tell to get a lower rate can lead to harmful consequences. That kind of willful misrepresentation of facts is called known as “rate evasion” and is $16 billion annual expense to auto insurers.

Insurance fraud is a Class D felony in Connecticut. And according to a report by the Connecticut Insurance Department’s Insurance Fraud Unit, insurance fraud costs consumers in Connecticut nearly $2 billion annually.

If you suspect insurance fraud or have been the victim of fraud, you can contact the State of Connecticut Insurance Department to report such activity.

Statute of Limitations

Connecticut’s statute of limitations for filing a claim is two years for personal injury and three years for property damage.

Vehicle Licensing Laws

Don’t make the mistake of driving in the state of Connecticut without proper registration and insurance. It would be unwise and potentially costly to do so.

Penalties for Driving Without Insurance

Connecticut’s DMV has an online portal where residents can perform tasks such renew their registrations and drivers’ licenses, update or change their address, and retrieve their driving history. Vehicle registration and insurance information can be easily accessed through the state database.

The penalty for driving without insurance in Connecticut is as follows: A fine between $100 and $1,000 and license suspension for one month for the first offense with a $175 reinstatement fee. A second offense will result in a fine between $100 and $1,000 and license suspension for six months with a $175 reinstatement fee.

Proof of Financial Responsibility

For information on what the requirements are for financial responsibility in Connecticut, click here.

Teen Driver Laws

Connecticut employs a Graduated Driver License program for young drivers, designed to reduce the high accident and fatality rate among teen motorists. In addition to that, the state of Connecticut has partnered with AAA to provide valuable safety tips and training for teen drivers and their parents/guardians.

Take a look at the following helpful resources:

Young Driver Licensing LawsAge RestrictionsPassenger RestrictionsTime Restrictions
Learner's Permit:16 yearsfirst 6 months—no passengers other than parents or a driving instructor; second 6 months—no passengers other than parents, driving instructor or members of the immediate family11 p.m. - 5 a.m.
Provisional License12 months or until age 18, whichever occurs first (min. age: 17, 4 mos.)first 6 months—no passengers other than parents or a driving instructor; second 6 months—no passengers other than parents, driving instructor or members of the immediate familyNighttime restrictions will be lifted at age 18.
Full License16 and 4 months; have a mandatory holding period of 6 months; (4 months with driver education); have a minimum supervised driving time of 40 hoursNone.None.

Furthermore, the Connecticut DMV has the Center for Teen Safe Driving which provides additional resources such as safe driving videos and sample content knowledge tests for drivers seeking extra training and support.

Older Driver License Renewal

Elderly drivers, ages 65 and older, have the option in Connecticut to renew their licenses every two years or every six years. All other drivers are required to renew every six years. Just like the rest of the general population, senior drivers do not have to show proof of adequate vision at every renewal. And just like the rest of the general population, elderly motorists are prohibited from renewing online or by mail; all drivers in Connecticut must renew in person.

New Resident Licensing

If you are about to make the move to Connecticut, here’s what you need to know:

  • Once you have established residency in Connecticut, you have 30 days to transfer your out-of-state license to Connecticut.
  • The State of Connecticut Department of Motor Vehicles handles all matters related to vehicle licensing.
  • With your current driver’s license, the completion of a form, acceptable forms of identification, and payment for two fees, you will be licensed to drive in CT.
  • Read about special situations for new residents.

License Renewal

Driver licenses must be renewed every six years. Renewals must be done in person. You should not wait until your license expires.

Rules of the Road

Keep Right and Move Over Laws

Connecticut law requires that you keep right if driving slower than the average speed of traffic around you.

Connecticut employs “Move Over” legislation, requiring drivers to move over and for emergency vehicles while simultaneously lowering speed as they pass. The law bars drivers from driving in the lane next to shoulders where emergency and nonemergency workers are present.

Speed Limits

Type of RoadwaySpeed Limit
Rural Interstates65 mph
Urban Interstates55 mph
Other Limited Access Roads65 mph
Other Roads55 mph

Seat belt Laws

Connecticut requires drivers and all front-seat passengers eight years old and older to wear a seat belt. A violation is not a primary offense. Passengers in the back seat ages 8-15 years old (or weighing 60 pounds or more)  are permitted to use an adult safety belt.

Not wearing a seat belt by itself cannot be a cause for your getting pulled over but should you be stopped for some other traffic violation, you can be ticketed for failure to wear a seat belt. The minimum fine is $50.

Connecticut law permits passengers to ride in the cargo area of a vehicle for people 16 and older. Passengers 15 and younger are permitted if belted. Exceptions are allowed for farming operations, parades, and hayrides August through December.

Car Seat Laws

All children 2 years old or younger (or weighing less than 30pounds) are required to be seated in a rear-facing child safety seat. Children 2-4 years old and weighing between 30-40 pounds can be seated in a rear-or-forward-facing child safety seat. Children 5-7 years old weighing between 40-60 pounds may sit in a forward-or-rear-facing child restraint or a booster seat secured with a lap and shoulder belt. They are not permitted to use an adult seat belt under any circumstances.


To date, no auto insurers in Connecticut offer insurance specifically for ridesharing services.

Safety Laws

The goal of all safety laws should be to ensure the well-being of all motorists and pedestrians on the road. The Connecticut Department of Transportation (CTDOT) has compiled a list of helpful safety resources regarding traffic and safety laws.

One of those such resources is the Connecticut Highway Safety Plan.

DUI Laws

The Blood-Alcohol Content (BAC) limit in Connecticut is 0.08 percent; no High BAC limit exists in Connecticut.

DUI OffensesDUI Details
BAC Limit0.08
Criminal Status by Offense1st misdemeanor, 2+ within 10 years felonies.
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back Period/Washout Period10 years
1st Offense-ALS or Revocation45 days +1 year with IID
1st Offense ImprisonmentEither 1) up to 6 months w/mandatory 2 day min or 2) up to six months suspended with probation requiring 100 hours community service
1st Offense-Fine$500-$1000
2nd Offense-DL Revocation45 days +3 years with IID, first year limited to travel to and from work, school and substance abuse treatment program, IID service center or probation appointment
2nd Offense-ImprisonmentUp to 2 years with mandatory min of 120 consecutive days and probation with 100 hours community service
2nd Offense-Fine$1000-$4000
3rd Offense-DL RevocationLicense revoked, but eligible for reinstatment after two years. if reinstated, must only drive IID vehicle. This requirement may be lifted after 15 years by DMV commissioner.
3rd Offense-ImprisonmentUp to 3 years. mandatory min of one year and probation with 100 hours community service
3rd Offense-Fine$2000-$8000
4th Offense-DL RevocationSame as third
4th Offense-ImprisonmentSame as third
4th Offense-FineSame as third
Mandatory InterlockAll offenders

Drug-Impaired Driving Laws

Currently, Connecticut has no marijuana-specific drugged driving laws in effect.

Connecticut Can’t-Miss Facts

Here are some can’t-miss facts about the Nutmeg State:

Vehicle Theft in Connecticut

Car theft is no laughing matter. Which cars in Connecticut are most popular to car thieves? Check out the chart below to find out.

Vehicle Theft by City

The table below gives a breakdown of the top cities for auto theft within the state.

Dodge Caravan1,054
Chevrolet Impala579
Honda Civic566
Honda Accord481
Chevrolet Malibu442
Chevrolet Pickup (Full Size)418
Ford Pickup (Full Size)392
Toyota Camry383
Jeep Cherokee/Grand Cherokee374
Nissan Altima326

Risky and Harmful Behavior

For your information, we’ve compiled a list of all driving-related fatalities in Connecticut.

Traffic Fatalities by County

CountyFatalities 2013Fatalities 2014Fatalities 2015Fatalities 2016Fatalities 2017
New Haven County6352658275
Hartford County7956636060
Fairfield County5047357359
New London County2931292728
Litchfield County1916221620
Windham County1215181614
Tolland County1718171212
Middlesex County1713211810

Fatality Rates Rural Vs. Urban

Roadway Type2008200920102011201220132014201520162017

Fatalities by Person Type

Person Type20132014201520162017
Passenger Vehicle Occupant187136155174162
Bicyclist and Other Cyclist34363

EMS Response Time

Type of Crash Time of Crash to EMS
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Rural Fatal Crashes2.179.4739.6748.60
Urban Fatal Crashes2.276.4426.6134.55


Connecticut, along with New York and New Jersey, forms a very congested tri-state intersection in the I-95 corridor of the Northeastern part of these United States of America.

So, how bad is the commute look for the motorists of Connecticut? How does rush-hour traffic compare to the rest of the nation? What methods do they use to get to work? The answers to those questions are coming up next.

Car Ownership

Commute Time

At 24.9 minutes, Connecticut motorists almost mirror the national average of 25.3 minutes of commute time. Only 3.38 percent of Connecticut residents experience a “super commute” of 90 minutes or more.

Commuter Transportation

Now you have all the essential facts about Connecticut driving laws and insurance requirements. Make sure to put all that knowledge to good use to get yourself the best insurance quotes possible.

Enter your ZIP code below to compare car insurance quotes and to declare your right to affordable car insurance in Connecticut from the top car insurance companies in the Constitution State.



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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Connecticut
Monthly Average Connecticut Car Insurance Rates by ZIP Code
Connecticut Car Insurers by Market Share %
Connecticut Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Connecticut
State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Average Monthly Car Insurance Rates by Age & Gender in Connecticut
Monthly Average Connecticut Car Insurance Rates by ZIP Code
Connecticut Car Insurers by Market Share %
Connecticut Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Connecticut