Cheapest Car Insurance Rates in 2023
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Cheap SR 22 Auto Insurance in Connecticut: Best Companies & Quotes
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Joanna is an expert on understanding how the different laws and regulations in the car insurance industry shape the way that policies work.
The best way to find the cheapest car insurance in Connecticut is to find a company that has a great rate and compare it to two or three other companies with other great offers. Take a look at a list of car insurance companies. To further help your cause, you can try to implement a few different options to help lower the cost of your vehicle insurance in Connecticut.
Best Car Insurance Companies in Connecticut
- Liberty Mutual
- Amica Mutual
- State Farm
|Travelers||Allstate||Progressive||Liberty Mutual||Amica Mutual||State Farm|
|AM Best Financial Strength Rating||A++||A+||A+||A++||A+||A++|
|JD Power 2019 Overall Customer Satisfaction score||4.5/5||4/5||3/5||3/5||5/5||4/5|
|Avg Annual Premium||$1,113||$2,244||$1,775||$2,109||$1,066||$1,297|
|Consumer Reports Reader Score||90||88||87||88||89||78|
Auto Insurance Statistics in Connecticut
In Connecticut, drivers trying to obtain car insurance coverage may find that their car insurance was higher in previous years and appears to be on the rise again. According to the NAIC, car insurance rates in Connecticut appear to be getting higher than the national average in the most recent years.
Top 10 Cheapest Car Insurance Companies in Connecticut
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
Although the number of drunk driving fatalities in Connecticut appears to be improving, Connecticut still sees an average that is higher than the majority of states across the country. The data below shows the number of drunk driving fatalities in Connecticut compared with other states nationwide.
Drunk driving fatalities in Connecticut from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving can have serious consequences. It is important to be aware of the rate of teen drinking and driving in your state. In Connecticut, the teen drinking rate appears to be exceptionally higher than the national average.
Teen Drinking & Driving in Connecticut vs. Nationwide (2017)
SR-22 Insurance in Connecticut
As with many states in the US, Connecticut requires drivers to possess SR-22 insurance if they want to reinstate their license after a serious infraction or suspension. This is an insurance policy in which the insurance provider is required to notify the state DMV that you have coverage (or that you've cancelled it).
In Connecticut, you will need this coverage for three years. Additionally, you will need to ensure that it covers a few basic costs. It must include $10,000 of property damage coverage, $20,000 for individual injury coverage, and at least $40,000 for coverage of injury to multiple people. Make sure to check with state DMV officials to verify the most up-to-date information.
Car Theft in Connecticut
Learning about car theft in Connecticut can help you to be aware of what the risk factors are for automobile theft in your local area. In order to protect against vehicular theft, local drivers should consider getting a comprehensive car insurance policy. The data below shows how Connecticut ranks.
Vehicle thefts by rank Nationwide vs. Connecticut
Uninsured Motorists in Connecticut
Uninsured and underinsured motorist coverage provides protection in the event that damage is done to your vehicle or to your person and the other driver isn’t insured. Twenty different states in addition to The District of Columbia mandate this type of coverage.
Percentage of uninsured drivers and rank ( 2015)
Consider Your Career
Believe it or not, where you work plays a large role in how much you pay for your car insurance. The insurance companies want to know what you do and how it affects your safety as a driver. If you work in a profession that’s more dangerous than others such as driving an Uber, which you made need additional rideshare insurance for, or commuting a long distance to work each day, your insurance company is going to charge you more because you’re on the road more often. It’s a distinction they make to help their own rates.
Pay Your Bills on Time
Your credit score affects your insurance premiums. If you have bad credit, you might want to stick with the company you already work with as a new company is going to run your score to determine your rates. Your existing company won’t since you already work with them, so they might not know your score has dropped since you began doing business. The best thing to do is keep your bills paid on time, don’t miss payments, and spend your time working with your finances to keep them on track.
Buy A Good Car
The size and safety of your car matters tremendously in the cost you pay for insurance premiums. If you drive a larger car, you’ll pay less for insurance. If your car is smaller, you’ll pay more for insurance since it’s not as likely to keep you safe behind the wheel. Be careful with your engine size, however. A larger engine is more expensive to insure than a smaller one. The other factor is the safety rating of your vehicle. The safer your car is, the more likely it is to drop your premiums.
Your Driving History
There’s nothing you can do now about the driving mistakes you made in the past, but there’s plenty you can do about the future. Drive safely, don’t get pulled over, and stay out of accidents. The more you have on your record, the higher your insurance premiums will rise in the future. Your driving record tells your insurance company how much you might cost them in the future and they will charge more if you’re a risky driver.
Finding the cheapest insurance in Connecticut isn’t difficult, but it’s a job that requires some work. You want to compare car insurance prices and rates, and you want to be sure you’re not settling for the cheapest policy when it’s not the most effective policy. Price is important, but the overall cost of what you pay out-of-pocket if something happens to your vehicle is even more important. It’s also a good idea to call your insurance company before you buy a new car to see what it might cost you to insure what’s on your short list.
Types of Auto Insurance Coverage in Connecticut:
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Bodily Injury Liability Insurance
- Property Damage Liability Insurance
- Comprehensive Insurance Coverage
Minimum Requirements For Car Insurance in Connecticut
There are minimum requirements for car insurance in the state of Connecticut. According to the Connecticut Department of Motor Vehicles, it is mandatory to have at least liability coverage as well as uninsured/underinsured motorist coverage.
Liability Coverage minimums for the state of Connecticut:
Uninsured/Underinsured driver coverage of $20,000 per person and $40,000 per accident
$10,000 for damage of property
$20,000 for death or injury per person involved in a traffic collision
$40,000 for death or injury per accident if multiple individuals are involved
Source: Department of Motor Vehicles (DMV)
Cheap Auto Insurance Discounts
Cheap Auto Insurance is here to help you save on your car insurance bill each month by finding the best deals around. One of the ways we have uncovered to save monthly on the cost of car insurance is by researching the available discounts. Some of the best car insurance discounts are listed below.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Connecticut Car Insurance
This section answers general questions about auto insurance in Connecticut. Use it to get a better idea of how insurance works in the state so that you can move on to more advanced questions.
What is no-fault auto insurance in Connecticut?
What does conversion mean on auto insurance in Connecticut?
What documents are required for car insurance in Connecticut?
How does auto insurance work in Connecticut?
How to get car insurance in Connecticut?
What Is the most common auto insurance coverage in Connecticut?
Connecticut Car Insurance Laws
This section covers the questions you have about different car insurance laws in Connecticut. use it to understand what’s required in different car insurance situations.
What is minimum auto insurance coverage in Connecticut?
What auto insurance do I need in Connecticut?
If you take insurance off a car how long does it take to be unregistered in Connecticut?
How long before Connecticut finds out about car insurance lapse?
Do I need to inform Connecticut state when cancelling or changing auto insurance?
What are the insurance requirements for a leased car in Connecticut?
How long do you have to get auto insurance Connecticut?
In Connecticut, when am I required to carry commercial auto insurance?
What is the penalty in Connecticut for not carrying car insurance?
What are insurance laws when storing a car in Connecticut?
What is the law in Connecticut car insurance dropping your policy?
What are Connecticut laws for car insurance when stationed out of state on active military duty?
Is car inspection required when I switch car insurance to state of Connecticut?
What Is considered full coverage auto insurance in Connecticut?
For auto insurance, how long does a suspension stay on your record in Connecticut?
How long does Connecticut law allow for car insurance payouts?
When do you have to get car insurance on your teen in Connecticut?
What happens if you don't have car insurance in Connecticut?
Do I need SR22 insurance in Connecticut?
Connecticut Car Insurance Prices
Lots of people have questions about how to get the best price on car insurance in Connecticut. This section answers questions about auto insurance prices.
How to get cheap car insurance in Connecticut?
How much is car insurance in Connecticut for a new driver?
How much is car insurance in Connecticut per month?
Where is the best car insurance companies in Connecticut?
How much is high risk car insurance for a 16-year-old boy in Connecticut?
How many points do you have to get on your license in Connecticut before your car insurance goes up?
What is the average Connecticut car insurance?
How much will be the car insurance cost in Connecticut if I just got my license?
What are the best car insurance companies in Connecticut?
What is the cheapest car insurance for a 22-year-old woman in Connecticut?
What is the average cost of auto insurance for a 19-year-old male in Connecticut?
In Connecticut, what is the top-rated insurance company for cars?
Who has the lowest car insurance rates in Connecticut?
How is Connecticut rated for auto insurance?
How much is motorcycle insurance for a teenager?
Connecticut Car Insurance Claims and Coverage
Insurance claims and coverage can be confusing. This section covers your questions about insurance claims and coverage in Connecticut.
In Connecticut, whose insurance covers when driving someone else’s car?
Why can someone sue you for a car accident if you have insurance in Connecticut?
How do insurance companies value a stolen car in Connecticut?
Who provides non-owner car insurance in Connecticut?
In Connecticut, how much does car insurance pay for injury?
In Connecticut, when car is totaled, does insurance pay the cost of the car or cost of repair?
Other Connecticut Car Insurance Questions
There are lots of different questions about Connecticut insurance, and some of them don’t fit into our other categories. You’ll find those questions here.