What Used Cars Are the Cheapest to Insure in Connecticut?
Want to know the cheapest pre-owned vehicle to insure in Connecticut? We researched insurance quotes in the state to save you the effort!
This article covers insurance basics for the state of Connecticut and tips to save money on premiums. We also found the best insurance companies and answered frequently asked questions!
Connecticut Cheapest Used Cars to Insure
We determined which vehicles were cheapest to insure by comparing 45 vehicles from the 2021-22 production year. We used a basic driver profile and put the information through an auto insurance generator to find three used vehicles that are affordable to insure.
1. 2021 XC40 by Volvo
Volvo’s 2021 XC40 is a midsize four-door SUV. It’s the cheapest pre-owned vehicle to insure in Connecticut. A full coverage policy for this vehicle is $80 per month, which is $49 less than the state’s average cost of a full insurance policy. A liability-only policy costs $55 per month.
Volvo’s XC40 is also a Top Safety Pick+ award winner, with great crash test safety results. It also offers a hybrid engine, reduced tailpipe emissions, and driver assistance technology.
2. 2021 Bronco Sport by Ford
Ford’s 2021 Bronco Sport is the second cheapest vehicle to insure in Connecticut. This four-door SUV costs $84 to insure monthly with a full coverage policy, which is $45 less than the average policy. You can also get a liability-only policy for just $55.
The 2021 Bronco Sport gets 20 mpg in the city and 22 mpg on highways. It offers a variety of safety features and performs well on safety tests.
3. 2021 NX 300 by Lexus
The Lexus NX 300 is the third cheapest vehicle to insure in Connecticut. You can fully insure this four-door luxury SUV for $84. This is about $45 less than the state’s average full coverage policy. If you’d prefer a liability-only policy, it’ll cost $55 monthly.
The Lexus NX 300 has excellent safety ratings. It gets 22 mpg in the city and 28 mpg on the highway.
The 45 Cheapest Used Vehicles to Insure in Connecticut
We found policy estimates for 45 vehicles on the Insurance Institute for Highway Safety’s (IIHS) 2021 Top Safety Pick+ list. This chart shows the vehicles ranked from the lowest to highest cost by the full-coverage policy.
| Year | Make | Model | Full Coverage | Liability Only |
|---|---|---|---|---|
| 2021 | Volvo | XC40 | $80.00 | $55.00 |
| 2021 | Ford | Bronco Sport | $84.00 | $55.00 |
| 2021 | Lexus | NX 300 | $84.00 | $55.00 |
| 2021 | Acura | RDX | $87.00 | $60.00 |
| 2021 | Mazda | CX-30 | $88.00 | $60.00 |
| 2021 | Volvo | XC90 | $89.00 | $54.00 |
| 2021 | Subaru | Forester | $90.00 | $61.00 |
| 2021 | Honda | Odyssey | $90.00 | $64.00 |
| 2021 | Subaru | Ascent | $92.00 | $60.00 |
| 2021 | Honda | Accord | $92.00 | $66.00 |
| 2021 | Mazda | CX-9 | $93.00 | $60.00 |
| 2021 | Honda | Civic | $93.00 | $66.00 |
| 2021 | Hyundai | Santa Fe | $94.00 | $71.00 |
| 2021 | Hyundai | Tucson | $95.00 | $64.00 |
| 2021 | Subaru | Crosstrek | $98.00 | $63.00 |
| 2021 | Mazda | CX-5 | $98.00 | $71.00 |
| 2021 | Toyota | Highlander | $98.00 | $69.00 |
| 2021 | Subaru | Outback | $98.00 | $65.00 |
| 2021 | Mazda | CX-3 | $99.00 | $73.00 |
| 2021 | Cadillac | XT6 | $99.00 | $68.00 |
| 2021 | Chrysler | Pacifica | $100.00 | $68.00 |
| 2021 | Nissan | Murano | $100.00 | $70.00 |
| 2021 | Honda | Insight | $101.00 | $68.00 |
| 2021 | Nissan | Rogue | $102.00 | $73.00 |
| 2021 | Subaru | Legacy | $104.00 | $70.00 |
| 2021 | Volvo | XC60 | $104.00 | $77.00 |
| 2021 | Volkswagen | ID.4 | $109.00 | $73.00 |
| 2021 | Ford | Explorer | $109.00 | $76.00 |
| 2021 | Mazda | 3 | $110.00 | $73.00 |
| 2021 | Chevrolet | Trailblazer | $111.00 | $77.00 |
| 2021 | Mazda | 6 | $111.00 | $74.00 |
| 2021 | Toyota | Sienna | $112.00 | $77.00 |
| 2021 | Mitsubishi | Outlander | $113.00 | $78.00 |
| 2021 | Toyota | Camry | $117.00 | $79.00 |
| 2021 | Nissan | Altima | $122.00 | $83.00 |
| 2021 | Volvo | V60 | $125.00 | $81.00 |
| 2021 | Volvo | S60 | $126.00 | $72.00 |
| 2021 | Kia | K5 | $126.00 | $85.00 |
| 2021 | Volvo | S90 | $128.00 | $63.00 |
| 2021 | Lexus | ES 350 | $130.00 | $73.00 |
| 2021 | Kia | Stinger | $137.00 | $93.00 |
| 2021 | Acura | TLX | $137.00 | $92.00 |
| 2021 | Nissan | Maxima | $137.00 | $80.00 |
| 2021 | Lexus | IS 300 | $147.00 | $93.00 |
Full Coverage vs. Liability Insurance Costs
Many people opt for liability-only insurance because it’s cheaper than a full-coverage policy. Liability-only policies are less expensive because they only cover damage you’re liable for and don’t cover things such as theft or vandalism.
|
Full-coverage policy |
Liability-only policy |
| $129.33 |
$51.66 |
The Best Connecticut Car Insurance Companies
Connecticut’s three best automobile insurance companies are Amica Mutual Group, Berkshire Hathaway Group, and Metropolitan Group.
We determined that these may be the best auto insurance companies by examining Connecticut complaint records. We used features such as market share and the NAIC’s Complaint Index to determine which auto insurance companies are the best.
Companies with a lower market-share-to-complaint ratio indicate fewer complaints and happier claimants. You can see all of the rankings below.
| Insurance Company | Market Share | Number of Complaints | Complaint Index |
|---|---|---|---|
| Berkshire Hathaway Inc. (Geico) | 18.66 | N/A | 2.04 |
| Progressive | 10.23 | N/A | 0.32 |
| Allstate Corp. | 9.86 | N/A | 1.88 |
| Liberty Mutual | 9.19 | N/A | 1.27 |
| State Farm | 6.76 | N/A | 1.18 |
| Travelers | 5.99 | N/A | 0.37 |
| USAA | 4.76 | N/A | 2.27 |
| Amica | 3.69 | N/A | 0.32 |
Disclaimer: The Complaint Index figure is national data from the National Association of Insurance Commissioners (NAIC).
Tips to Lower Insurance Premiums in Connecticut
Drivers in Connecticut can follow these tips to maximize discounts and minimize insurance premiums:
- Take a defensive driving course if your insurance company provides a discount.
- Appeal traffic tickets and at-fault accidents on your record.
- Improve your credit score.
- Remember that driving fewer miles each year can help keep your premiums down.
Research Methodology
To find these insurance rates, we used an in-state address and an auto insurance generator. Since we used the profile of a Connecticut driver, we were able to find relevant and accurate data for those living in the state. For each of the 45 vehicles, we applied this basic driver profile.
Basic Driver Profile
- 35-year-old male with a bachelor’s degree
- Single and employed full time
- Homeowner but did not bundle policies
- Owns the vehicle rather than leases or finances it
- Has been with the current insurance carrier for five or more years
We used vehicles on the IIHS 2021 Top Safety Pick+ 2021 list. The IIHS is an independent, nonprofit organization that collects safety data for cars on the market.
We used the following limits for liability-only quotes:
- $100,000/$300,000 liability limits
- $100,000 property damage limits
- $10,000 personal injury protection
For the full-coverage quotes, we included the following coverages with the liability selections:
- $1,000 deductible on collision coverage
- $1,000 deductible for comprehensive coverage
- $50/$1,500 rental reimbursement
- $100 roadside assistance
Frequently Asked Questions
What is the cheapest SUV to insure in Connecticut?
The Volvo XC40 is the cheapest SUV to insure in Connecticut. You should expect to spend about $80 monthly on a full-coverage policy.
Are older cars cheaper to insure?
Because they cost much less to replace than newer vehicles, older vehicles are cheaper to insure in Connecticut.
How much liability insurance is required in Connecticut?
Connecticut requires that all drivers carry liability insurance. In this state, the liability required is $25,000 per person, $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
What is the penalty for driving without insurance in Connecticut?
If you drive in Connecticut and don’t have the minimum insurance requirements, you may face fines of up to $1,000. You may also lose your vehicle registration and driver’s license for one month.
You’ll have to pay a $175 restoration fee to restore your license and registration. On subsequent offenses, you may lose your license for six months.
What is the basic insurance for a car?
Liability insurance is the most basic insurance option. Liability insurance covers damage you are legally responsible for. In some cases, lenders require drivers to carry comprehensive collision coverage when they’ve taken out a loan on a vehicle.
What car has the highest insurance rates?
Some cars typically have higher insurance rates. These include luxury vehicles, rare cars, and sports cars. These vehicles tend to cost more to replace.
References
- (2021). 2020 Complaint Rankings. State of Connecticut Insurance Department. Retrieved April 4, 2023, from https://portal.ct.gov/-/media/CID/1_Reports/2021-ComplaintRankingReport.pdf
- (2022). 2021 Top Safety Picks. IIHS. Retrieved April 4, 2023, from https://www.iihs.org/ratings/top-safety-picks/2021
- (2023). Penalties for Driving Without Insurance. Connecticut General Assembly. Retrieved April 4, 2023, from https://www.cga.ct.gov/2016/rpt/2016-R-0037.htm
- (2023). Automobile Coverage Information. State of Connecticut Insurance Department. Retrieved April 4, 2023, from https://portal.ct.gov/CID/General-Consumer-Information/Automobile-Coverage-Information
- (2023). Average cost of car insurance in Connecticut for 2023. BankRate. Retrieved April 4, 2023, from https://www.bankrate.com/insurance/car/average-cost-of-car-insurance-in-connecticut/
- (2019). Largest Auto Insurance Companies in Connecticut. EverQuote. Retrieved April 18, 2023, from https://www.everquote.com/blog/car-insurance/largest-companies-connecticut/
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.
