Best Connecticut Auto Insurance

The top three best Connecticut auto insurance companies are Amica, GEICO, and State Farm. Our review finds that they offer the best deals on Connecticut car insurance rates. Connecticut drivers pay the third highest rates for auto insurance in the country, use this guide to find the best auto insurance coverage for Connecticut drivers.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 31, 2020

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Connecticut drivers pay the third highest rates for auto insurance on average in the country, which means finding a good deal on car insurance can be a challenge. Fortunately, there are a lot of insurance companies to choose from, and in spite of a lack of regulation on car insurance rates, there is still enough competition to make it possible to get a better price.

The Basics of Auto Insurance in Connecticut

Connecticut’s car insurance law requires both liability insurance and uninsured motorist insurance on all vehicles in order to comply with the financial responsibility law.

The minimum amount of liability required is $25,000 per person and $50,000 per incident. They also require at least $25,000 worth of property damage coverage. These coverage limits about average when compared to other states. Considering the general wealth of the Connecticut population and the high number of expensive cars on the road in the state, these limits are still on the low side.

Also required by law is uninsured motorist liability coverage, with limits that match the $25,000/$50,000 for liability.

There are no other legal requirements for car insurance in Connecticut, but drivers with a loan or lease agreement will need to meet any insurance requirements set out by the lender. This means carrying full coverage – comprehensive coverage and collision coverage – and may also mean limits on the deductibles or even a requirement for higher liability limits.

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Specifics of Connecticut Auto Insurance

Connecticut’s no-fault car insurance system was repealed in 1994, and the state has since operated with a tort system. This means that the driver found to be at fault in the accident can be held responsible for the financial impact of that accident. A driver can be sued in court for injuries, death, pain and suffering, and property damage.

The legal minimums in Connecticut are not high enough to protect you in even a somewhat serious accident. $25,000 in property damage coverage wouldn’t even be close to enough if you are responsible for the total loss of a higher value car. And the cost of injuries can rise very quickly. Drivers are encouraged to carry much higher limits, and fortunately many Connecticut drivers do.

Our Process

With car insurance rates in Connecticut among the highest in the country, finding a price that can be considered low is a challenge. Still, we looked for the companies that offer some of the best value in car insurance, particularly those that offer better-than-basic coverage for a competitive rate.

Adding to the idea of value, our criteria included insurance companies that will be there for you when you need them. Inexpensive car insurance is not worth the savings if the company writing the policy doesn’t step up when there is a claim. All of the companies on our list have a good reputation for paying out on claims, as well as for overall customer service. We checked up on them using trusted consumer resources and a look at reviews from the company’s customers.

All of our top picks cover drivers across the state, and they all offer policies to the general public. We encourage Connecticut drivers that qualify for USAA – military members and their families – to obtain a quote with them since they have a great reputation and competitive rates. Since they limit their products to those who meet their eligibility requirements, however, we left them off the list of top picks. Our goal is to provide choices that are available to the largest group of Connecticut drivers possible.

Our Top Picks

Among the options in Connecticut, these three companies stand out for their combination of low rates and excellent service.

Amica Mutual

Amica Mutual earned the top spot in the region for customer satisfaction, with solid fives across all categories in J.D. Power’s regional survey. They also took the top spot nationwide for claims satisfaction. That is about as good as an insurance company’s reputation can get.

On top of a great reputation, Amica also has some of the more reasonable rates in the state. They are competitive for most drivers, and they also have one of the biggest auto/home insurance discounts in the business, which means the potential to save even more if you decide to bundle.


GEICO consistently has some of the lowest rates on car insurance in Connecticut. That is not surprising given they built their way up to the second biggest car insurance company in the state on a reputation for saving people money.

Low rates are not all they are known for, however. GEICO ranked in the top five for the region in J.D. Power’s survey. That adds up to a great value on car insurance for Connecticut drivers.

State Farm

State Farm will not have the lowest price for every driver, but they are still one of the best deals on car insurance in Connecticut. With a lot of discounts available, they are a great choice for anyone looking to bundle insurance to bring down rates.

State Farm also ranked as one of the best in the region according to the J.D. Power survey, and they are the number one car insurance company in the nation. With the personal service of an agent, all of that adds up to a great choice for your car insurance.

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Shopping for Car Insurance in Connecticut

The first step to finding your perfect match in the car insurance world is to know what kind of coverage you want. As previously noted, Connecticut is home to a lot of wealthy people, and that means a lot of high-value vehicles on the road. The first thing to consider when deciding what insurance to carry is increasing your liability limits above the legal minimum. That works in the opposite direction as well – if you are one of those well-off Connecticut residents with a lot of assets at risk, you need to carry enough insurance to protect them.

Once you have outlined the coverage you want, get as many quotes as you can. They best way to find a good deal is to really shop around, particularly in a state where rates are high and not well regulated. All three of our top picks are a great place to start, but it is well worth getting quotes from as many highly-rated companies as possible.

Check all of your quotes to see that they have been prepared using the coverage options and limits you specified. That will make it easy to compare quotes directly and tell which company is providing the best rates quickly.

The Bottom Line

Although Connecticut has high car insurance rates, there are a lot of great companies in the state that can also give you a good deal. Shopping around and comparing not just rates but company reputation is the key – get started with our three top picks.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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