Which is Best Car Insurance in CT
If you’re searching for the best car insurance in CT, you’re in the right place. Connecticut drivers have a variety of options when it comes to finding the best auto insurance providers, and selecting the right coverage can save you money while ensuring you’re protected on the road. In this guide, we’ll walk you through the best car insurance companies in Connecticut, coverage requirements, and ways to save on your policy.
Top Car Insurance Companies in Connecticut
After extensive research, we’ve identified Geico, Amica, USAA, State Farm, and Nationwide as the top car insurance providers in Connecticut for 2025. These insurers were selected based on their affordability, coverage options, customer service, and industry ratings.
Average Car Insurance Rates in Connecticut
Connecticut drivers pay an average of $1,072 per year for minimum coverage and $2,720 for full coverage. This is slightly higher than the national average of $2,638 for full coverage, but rates can vary significantly based on your driving history, age, credit score, and vehicle type.
| Insurance Company | Average Full Coverage Rate | Average Minimum Coverage Rate | J.D. Power Score |
|---|---|---|---|
| Geico | $1,894 | $599 | 4.3/5 |
| Amica | $2,867 | $816 | 4.4/5 |
| USAA | $1,649 | $618 | 4.3/5 |
| State Farm | $3,409 | $1,354 | 4.3/5 |
| Nationwide | $1,943 | $942 | 4.0/5 |
Best Car Insurance Companies in Connecticut: A Closer Look
1. Geico – Best for Digital Tools & Affordability
Why we recommend it: If you’re looking for an affordable policy with a user-friendly mobile app and excellent digital tools, Geico is a top choice. It offers multiple discounts, including savings for good drivers, military personnel, and students.
- Pros: Competitive rates, strong digital presence, multiple discounts
- Cons: Below-average digital experience rating in 2024
2. Amica – Best for Customer Service
Why we recommend it: Amica consistently ranks high in customer satisfaction. It offers a unique dividend policy that allows policyholders to receive up to 20% of their premium back each year.
- Pros: Excellent customer service, dividend policy option
- Cons: Higher-than-average rates
3. USAA – Best for Military Members
Why we recommend it: USAA offers some of the most affordable rates in Connecticut, but it is only available to military members and their families.
- Pros: High customer satisfaction, military-focused discounts
- Cons: Limited eligibility
4. State Farm – Best for Discounts
Why we recommend it: State Farm offers a variety of discounts, including savings for bundling home and auto insurance and safe driving rewards.
- Pros: Extensive network of agents, strong discount options
- Cons: Higher premiums than competitors
5. Nationwide – Best for Coverage Add-Ons
Why we recommend it: Nationwide provides additional coverage options like gap insurance and roadside assistance.
- Pros: Strong policy customization, good claims satisfaction
- Cons: Not rated in J.D. Power’s New England auto insurance study
How to Find the Best Car Insurance in Connecticut
1. Understand Connecticut’s Minimum Insurance Requirements
Connecticut state law requires all drivers to carry at least:
- $25,000 per person for bodily injury liability
- $50,000 per accident for bodily injury liability
- $25,000 for property damage liability
- Uninsured/underinsured motorist coverage of $25,000/$50,000
2. Consider Additional Coverage
While minimum coverage meets legal requirements, full coverage car insurance in CT offers better financial protection. Full coverage includes:
- Collision coverage (pays for damage to your car in an accident)
- Comprehensive coverage (covers theft, vandalism, and natural disasters)
3. Compare Quotes
To find the best Connecticut car insurance, get quotes from multiple providers and compare their rates and coverage options.
4. Take Advantage of Discounts
Many insurers offer discounts that can help lower your premiums. Common discounts include:
- Multi-policy discount (bundling home and auto insurance)
- Good driver discount (clean driving record)
- Good student discount (for young drivers with good grades)
- Low mileage discount (driving fewer miles annually)
Cheapest Car Insurance in Connecticut by City
Rates can vary depending on your location within the state. Here’s a look at average annual premiums for full coverage in different Connecticut cities:
| City | Avg. Annual Full Coverage Premium | Savings vs. State Average |
| Norwalk | $2,629 | -3% |
| Waterford | $2,271 | -18% |
| Cheshire | $2,590 | -5% |
| East Hampton | $2,421 | -12% |
| North Branford | $2,679 | -1% |
Frequently Asked Questions
What is the cheapest car insurance in Connecticut?
Geico, USAA, and Amica offer some of the lowest rates, but the best option depends on your driving history and coverage needs.
How much is car insurance per month in CT?
On average, Connecticut drivers pay $89 per month for minimum coverage and $227 per month for full coverage.
How can I save money on car insurance in CT?
- Compare quotes from multiple providers
- Bundle policies for discounts
- Maintain a clean driving record
- Increase your deductible if you can afford higher out-of-pocket costs
Final Thoughts
Choosing the best car insurance in CT requires comparing coverage options, understanding state requirements, and taking advantage of available discounts. Whether you prioritize affordability, customer service, or comprehensive coverage, Geico, Amica, USAA, State Farm, and Nationwide are excellent choices for Connecticut drivers in 2025.
By following these tips and comparing multiple quotes, you can find the best policy that fits your needs and budget. Ready to get started? Get a free quote today and secure the best coverage for your vehicle!
Want to know more about other insurances, Read our latest articles.
