When you prepare to buy car insurance in Connecticut, you may wonder what the best rates are for you. The rates can change because of factors such as your age, gender, driving history, and location. One of the best ways to find the insurance you need is to research insurance companies in your area and compare their insurance quotes. Keep reading to learn more about the best auto insurance in Connecticut.
Auto Insurance Requirements in Connecticut
Connecticut has two requirements for its drivers. The first is that the state requires all drivers to have minimum coverage for liability. This includes payments for injuries and property damage and includes the values below:
- $25,000 in injuries to the body per person
- $50,000 for injuries to the body per accident
- $25,000 for property damage
Connecticut also has a secondary requirement for uninsured or underinsured drivers with the following values:
- $25,000 in injuries to the body per person
- $50,000 for injuries to the body per accident
Like other states, the exact amount for coverage can vary based on your location. Look at the rates for your area and compare them to find what’s best for you.
What’s the Cost of Auto Insurance in Connecticut?
The price you pay for car insurance in Connecticut changes based on which company you choose to use. This is because each company has its own method of calculating costs based on various factors such as your age, your driving history, and your specific location. Below are the average costs you are likely to pay with some of the largest and most recognized insurance companies in Connecticut:
Amica Mutual
Amica Mutual in Connecticut is the most expensive auto insurance option but offers excellent coverage for its price range. While it doesn’t offer the best rates, it provides respectable coverage for all groups of drivers. If you consider Amica Mutual, there may be other benefits to your coverage that increase the overall cost of its services. Below are the average annual costs of Amica Mutual auto insurance for different drivers:
- Average rate: $1,566
- Average rate for teens: $6,347 (female), $6,901 (male)
- Average rate for seniors: $1,510
- Average rate for drivers with poor credit: $2,999
- Average rate for excellent drivers: $1,566
- Average post-accident rate: $2,005
- Average post-DUI rate: $4,915
- Average minimum coverage rate: $1,454
GEICO
GEICO is a major company in the insurance industry and has an excellent history of providing its customers with rates they can afford and coverage they can rely on. It holds the best rates for almost every category of measurement, including its average insurance rate, the rate for teen drivers, the rate for drivers with poor credit history, and the rate for drivers with an excellent record. The company also has the best rates for divers after an accident and for the minimum coverage allowed in Connecticut. Below are the average annual GEICO auto insurance rates for different drivers:
- Average rate: $770
- Average rate for teens: $2,558 (female), $2,965 (male)
- Average rate for seniors: $757
- Average rate for drivers with poor credit: $1,206
- Average rate for excellent rates: $770
- Average post-accident rate: $1,073
- Average post-DUI rate: $2,690
- Average minimum coverage rate: $719
Nationwide
Nationwide is a middle-tier insurance company in terms of the costs for its policies, though it boasts respectable rates for senior drivers. When you consider its services, research what benefits come with your coverage because its prices are affordable and some of its services may outclass other insurance companies. Nationwide can also be a good choice if you want one insurance company throughout your life because you can build a client-company relationship that may benefit you in the long term. Below are the average annual rates for insurance policies with Nationwide:
- Average rate: $1,511
- Average rate for teens: $5,104 (female), $6,647 (male)
- Average rate for seniors: $1,246 (female), $1,335 (male)
- Average rate for drivers with poor credit: $2,435
- Average rate for excellent drivers: $1,511
- Average post-accident rate: $2,449
- Average post-DUI rate: $3,017
- Average minimum coverage rate: $1,568
State Farm
Like some of the other insurance companies, State Farm falls into the middle of the pack for the cost of its services in almost every category. The one exception to this rule is that State Farm offers the best rates to drivers after they have a DUI on their record, even beating GEICO with its highly competitive rates. Below are the rates for State Farm’s insurance policies in different categories:
- Average rate: $1,254
- Average rate for teens: $3,430 (female), $4,275 (male)
- Average rate for seniors: $1,128
- Average rate for drivers with poor credit: $2,496
- Average rate for excellent drivers: $1,254
- Average post-accident rate: $1,370
- Average post-DUI rate: $1,370
- Average minimum coverage rate: $1,168
USAA
USAA offers affordable rates for its insurance policies. It leads insurance companies in Connecticut that provide insurance to senior drivers, with the lowest rate in this category by far. While their other rates don’t lead in their categories, USAA can provide a lifetime of service and insurance because it has reasonable rates for all groups of drivers. Below are the insurance rates for USAA drivers:
- Average rate: $1,036
- Average rate for teens: $3,298 (female), $3,457 (male)
- Average rate for seniors: $856 (female), $846 (male)
- Average rate for drivers with poor credit: $1,693
- Average rate for excellent drivers: $1,036
- Average post-accident rate: $1,419
- Average post-DUI rate: $2,101
- Average minimum coverage rate: $971
Finding the best rates for auto insurance in Connecticut can require you to find quotes for each company and make comparisons to meet your needs. GEICO is an excellent choice in most categories but others such as USAA might be better for a lifetime of quality insurance needs.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.
