Finance & accounting · Ranked by price to features
10 Best Car Insurance in Connecticut of 2026
By the Rankozo research desk · Updated November 11, 2026 · Next review December 26, 2026
Amica Mutual is the best car insurance in Connecticut for most drivers in 2026 because it is a customer-owned mutual with dividend policies, up to 20% off through StreetSmart and up to 30% off for bundling, and 94% of its customers renew each year. AARP members should quote The Hartford, whose Connecticut customers pay about $115 a month on average, while the lowest published figure is Allstate's $102 a month average for liability-only policies bought online, as of November 2026. Military families should add USAA, and drivers who want a local agent should call State Farm or Arbella.
- Tools ranked
- 10
- With free plan
- 0
- Cheapest paid plan
- Allstate, $102
- per month, liability-only average for online buyers
By the numbers
- $81,905US households (consumer units) spent an average of $81,905 in 2025, up 4.3 percent from 2024.U.S. Bureau of Labor Statistics
- $27,790US households spent an average of $27,790 on housing in 2025, 33.9 percent of total spending.U.S. Bureau of Labor Statistics
- 3.7%US consumer prices rose 3.7 percent in the 12 months to September 2026, before seasonal adjustment.U.S. Bureau of Labor Statistics
- 63%63 percent of US adults said in 2025 that they would cover a $400 emergency expense with cash or its equivalent, unchanged from 2024.Federal Reserve Board
- 47%Only 47 percent of Americans said they had enough savings or access to funds to cover a $1,000 emergency expense in Bankrate's 2026 survey.Bankrate
- 3.8%The US personal saving rate, personal saving as a share of disposable income, was 3.8 percent in September 2026, according to the Bureau of Economic Analysis.U.S. Bureau of Economic Analysis
Comparison table
| Tool | |||||
|---|---|---|---|---|---|
| Amica Mutual | 01 | 8.9 | 9.0 | Check price | No |
| AARP Auto Insurance from The Hartford | 02 | 8.8 | 9.2 | $115per month, Connecticut customer average | No |
| Allstate | 03 | 8.7 | 8.9 | $102per month, liability-only average for online buyers | No |
| Plymouth Rock Assurance | 04 | 8.6 | 8.5 | Check price | No |
| Progressive | 05 | 8.5 | 8.2 | $138.62per month, liability-only average | No |
| State Farm | 06 | 8.4 | 8.1 | Check price | No |
| Liberty Mutual | 07 | 8.3 | 8.0 | Customper month, statewide full coverage average | No |
| Travelers | 08 | 8.1 | 8.1 | Check price | No |
| USAA | 09 | 8.1 | 7.6 | $202per month, Connecticut member average | No |
| Arbella Insurance | 10 | 8.0 | 8.1 | Customper year, Accident Forgiveness add-on | No |
Click a column to sort. Prices are the cheapest paid plan quoted from each vendor's US pricing page; "Check price" means the US price check is pending.
How this ranking works
One method for every tool. We compared documented features and published prices; we did not run hands-on tests. Value carries the most weight.
Full methodThis list is for Connecticut drivers comparing insurers on local rates, claims service and coverage options. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Connecticut is a fault-based state, and every policy needs bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $25,000, and uninsured and underinsured motorist bodily injury of $25,000 and $50,000. Five insurers publish a Connecticut figure: The Hartford, Allstate, Progressive, USAA and Liberty Mutual. Some are averages for existing customers, some for one coverage level and one for the whole market, so we say which. Amica, Plymouth Rock, State Farm and Travelers publish no Connecticut price and are marked pending. GEICO and Nationwide are left out because their Connecticut pages blocked our checks.
The verdict
Amica Mutual is the first quote to get in Connecticut: it is owned by its policyholders, can return part of the premium as a dividend at renewal, and publishes discounts of up to 30% for bundling and up to 25% for insuring two or more cars. The Hartford is the best second call for drivers 50 and over, because its Connecticut customers pay about $115 a month on average through the AARP program. Allstate publishes the lowest Connecticut figure here, $102 a month for liability-only policies bought online, and Plymouth Rock adds new car replacement and a family discount for new drivers. Progressive and Liberty Mutual are the easiest to buy online, State Farm and Travelers suit drivers who want an agent, USAA serves military families, and Arbella suits shoppers who want low-cost add-ons through an independent agent.
- 01Top value
Amica Mutual
8.9/10Customer-owned mutual insurer based in Lincoln, Rhode Island, selling Connecticut car insurance directly online and by phone.
- Free plan
- No
- Value (40%)
- 9.0
- Features (35%)
- 9.0
- Ease of use (25%)
- 8.7
Best forConnecticut households that want a mutual insurer, dividend policies and large bundle discounts.
Amica Mutual is our top Connecticut pick because its strengths line up with the angle most drivers in the state care about: service after a claim and a long-term relationship. As a mutual, Amica is owned by its policyholders and offers dividend policies that can return a percentage of premiums at each renewal, though dividends are not guaranteed. Its discount page is unusually specific: up to 30% for bundling auto with home, umbrella and life, up to 25% for two or more cars, up to 20% through the StreetSmart app, plus loyalty, legacy, good student, claim-free and defensive driver discounts. Amica says 94% of its auto and home customers stay each year and that its representatives have over two times the industry-average experience. Its Connecticut guide covers the state minimums and explains that Connecticut is a fault-based state. The trade-off is price transparency: Amica publishes no Connecticut average, so compare its quote against The Hartford and Allstate.
- ✓94% of Amica auto and home customers stay each year, as of December 31, 2025
- ✓Over 100 years of A ratings in financial strength from AM Best
- ✓Legacy discount for drivers under 30 whose parents have had an Amica auto policy for five years
- ✕No published Connecticut price, so only a quote shows your rate
- ✕Dividends are not guaranteed and not available in every state or policy type
- ✕No local agents; service is online and by phone
- Ownership:
- Mutual, owned by policyholders
- Bundle discount:
- Up to 30%
- Telematics:
- StreetSmart, up to 20%
- Retention:
- 94% of customers stay each year
Bottom line: Amica Mutual is the best choice for most Connecticut drivers because it pairs mutual ownership and dividend policies with published discounts of up to 30%. Get its quote first, then check it against the published averages from The Hartford and Allstate.
- 02
AARP Auto Insurance from The Hartford
8.8/10Connecticut-based insurer offering car insurance to AARP members through the AARP Auto Insurance Program since 1984.
Price
$115per month, Connecticut customer average
Connecticut customers pay about $115 a month on average ($1,382 a year)
“Our customers in Connecticut pay an average of $1,382 a year, or about $115 a month, for car insurance.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 9.2
- Features (35%)
- 8.6
- Ease of use (25%)
- 8.4
Best forConnecticut drivers 50 and over who are AARP members.
The Hartford is the clearest value pick for older Connecticut drivers. Its state page says customers in Connecticut pay an average of $1,382 a year, or about $115 a month, which is one of the lowest figures any insurer here publishes. The AARP Auto Insurance Program has covered Connecticut members since 1984, and the company says it has called Connecticut home for over 200 years. Benefits listed for Connecticut drivers include New Car Replacement, Accident Forgiveness, Disappearing Deductible and 24/7 claim service. AARP membership can save up to 10%, and bundling can save up to 12% on auto and up to 20% on home insurance in the state, with an average bundling saving of $963. Other discounts include a defensive driving course and paying in full. The limits are clear: the program is built for AARP members, and the published price is an average for existing customers rather than an offer.
- ✓Publishes a Connecticut customer average of about $115 a month
- ✓Headquartered in Connecticut for over 200 years, per its own page
- ✓Bundling customers save an average of $963, per The Hartford
- ✕Built for AARP members, so younger drivers have fewer reasons to pick it
- ✕The $115 figure is an average for existing customers, not a quote
- ✕Discounts such as defensive driving and paid in full are listed without percentages
- Connecticut average:
- $1,382 a year, about $115 a month
- AARP member discount:
- Up to 10%
- Program since:
- 1984
- Bundle savings in CT:
- Up to 12% auto, up to 20% home
Bottom line: The Hartford is the best choice for AARP members in Connecticut because its customers in the state pay about $115 a month on average. Pair its quote with Amica's to see whether the mutual's discounts beat it.
- 03
Allstate
8.7/10National insurer selling Connecticut car insurance online, by phone and through local agents.
Price
$102per month, liability-only average for online buyers
Connecticut online buyers paid $102 a month on average for liability-only coverage (one driver, one car, 2025)
“Allstate customers in Connecticut who purchased online paid $102/month* – on average – for a liability-only auto insurance policy covering one driver and one vehicle.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.9
- Features (35%)
- 8.5
- Ease of use (25%)
- 8.6
Best forBudget-minded Connecticut drivers who want liability coverage bought online.
Allstate publishes the lowest Connecticut figure in this comparison. Its state page says customers in Connecticut who bought online paid $102 a month on average in 2025 for a liability-only policy covering one driver and one vehicle. The footnote matters: the average uses new business policies with a full pay discount and no incident history, bought through Allstate's direct channel, so a driver who needs collision and comprehensive will pay more. Drivewise can add up to 30% off for safe driving. Optional coverages on the Connecticut page include roadside assistance for towing, flat tires, jump-starts and lockouts, rideshare coverage, EV coverage and rental car reimbursement. The page also confirms that Connecticut is a fault-based state and that lenders may require collision and comprehensive on financed cars. Allstate suits drivers who want a known brand, an online purchase and a local agent if they need one.
- ✓Lowest Connecticut figure published by any insurer on this list
- ✓Buy online, by phone or through an agent
- ✓Explains Connecticut minimums and fault rules on its state page
- ✕The $102 figure covers liability-only policies with a full pay discount and no incidents
- ✕Full coverage costs more, and Allstate publishes no Connecticut full coverage average
- ✕Prices vary by how you buy: online, by phone or through an agent
- Connecticut average:
- $102 a month, liability-only, online
- Telematics:
- Drivewise, up to 30%
- Rideshare coverage:
- Yes
- Ways to buy:
- Online, phone or agent
Bottom line: Allstate is the best choice for Connecticut drivers on a tight budget because its online buyers paid $102 a month on average for liability-only coverage. Quote it with Drivewise to see how much further the price can fall.
- 04
Plymouth Rock Assurance
8.6/10Northeast car insurer that writes Connecticut policies and sells online, by phone and through agents.
- Free plan
- No
- Value (40%)
- 8.5
- Features (35%)
- 8.7
- Ease of use (25%)
- 8.6
Best forConnecticut families adding a new driver who want new car replacement and gap coverage options.
Plymouth Rock has a dedicated Connecticut page and a clear pitch for families. Its new driver family discount applies when you add a driver who has been licensed for under three years, and the advance shopper discount rewards quoting more than seven days before your policy starts. Bundling discounts apply when you add home, condo or renters coverage. Optional coverages listed for Connecticut include collision, comprehensive, medical payments, substitute transportation, towing and labor, loan and lease gap, new car replacement and roadside assistance. The mobile app handles ID cards, claims, payments and policy changes. Plymouth Rock says it has been trusted by customers for 40+ years, shows a 4.9 out of 5 rating from NerdWallet for 2026, and reports that drivers who switched in 2025 saved $806 on average across several states. It publishes no Connecticut price, so a quote is the only comparison point.
- ✓Rated 4.9 stars out of 5 by NerdWallet in 2026, per its own page
- ✓Trusted by customers for 40+ years
- ✓Drivers who switch save an average of $806, per a multistate 2025 figure
- ✕No published Connecticut price
- ✕The $806 savings figure covers several states, not Connecticut alone
- ✕Writes car insurance in only a handful of Northeast states
- Years in business:
- 40+
- Switch savings:
- $806 average, multistate, 2025
- New driver discount:
- Driver licensed under 3 years
- Optional coverages:
- New car replacement, gap, roadside
Bottom line: Plymouth Rock is the best choice for Connecticut families adding a teen driver because it publishes a new driver family discount and offers new car replacement. Quote it early to also earn the advance shopper discount.
- 05
Progressive
8.5/10National insurer with online quotes, the Name Your Price tool and Snapshot telematics for Connecticut drivers.
Price
$138.62per month, liability-only average
Six-month liability-only policies averaged $138.62 a month in Connecticut in 2025
“Based on Progressive's internal data, the average cost of a six-month liability-only policy was $138.62 per month in 2025.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.2
- Features (35%)
- 8.6
- Ease of use (25%)
- 9.0
Best forConnecticut drivers who want to compare coverage and price online.
Progressive is the easiest insurer here to shop without talking to anyone. Its Connecticut page lists the state's minimum coverages, explains why commuter traffic between New York and Boston, winter weather and higher vehicle values push costs up, and names busy routes such as I-95, I-84, I-91 and the Merritt Parkway. Based on its internal data, a six-month liability-only policy averaged $138.62 a month in Connecticut in 2025. Discounts named for Connecticut include multi-car, multi-policy and a 5-year accident-free discount, and Snapshot rewards safe driving. The Name Your Price tool shows coverage options that fit a target budget. Nationally, new customers who switched and saved between June 2025 and May 2026 saved $975 on auto. Progressive's published Connecticut average sits above Allstate's and The Hartford's, so it earns its place through tools rather than headline price.
- ✓Publishes a Connecticut liability-only average
- ✓Connecticut page explains local cost factors such as I-95 and Merritt Parkway traffic
- ✓New customers who switched saved $975 on average nationally between June 2025 and May 2026
- ✕Its Connecticut average is higher than Allstate's and The Hartford's figures
- ✕Savings figures are national, not Connecticut-specific
- ✕Snapshot can raise rates for some drivers, depending on habits
- Connecticut average:
- $138.62 a month, liability-only, 2025
- Telematics:
- Snapshot
- Budget tool:
- Name Your Price
- Safe driver discount:
- 5-year accident-free
Bottom line: Progressive is the best choice for Connecticut drivers who want to compare options online because Name Your Price and Snapshot are built into the quote. Its $138.62 liability-only average is a useful benchmark for other quotes.
- 06
State Farm
8.4/10National insurer selling Connecticut car insurance through local agents, online and in its mobile app.
- Free plan
- No
- Value (40%)
- 8.1
- Features (35%)
- 8.7
- Ease of use (25%)
- 8.6
Best forConnecticut drivers who want a local agent and young drivers with clean records.
State Farm is the agent-first option for Connecticut. Its auto page highlights local agents who can explain coverage and discounts, plus online and app-based claims reporting. Drive Safe & Save advertises up to 30% off for safe driving, and Steer Clear can save as much as 20% for drivers under 25 who have had no at-fault accidents or moving violations in the past three years. State Farm says drivers who switch save an average of $740 and that bundling auto with renters insurance could save up to $900. It also says it earned USA Today's America's Best Customer Service 2026 award. State Farm publishes no Connecticut average price, and discount names and percentages vary by state, so ask a local agent to confirm what applies before you compare. It scores slightly lower on value only because no Connecticut price is published.
- ✓Drivers who switch save an average of $740, per State Farm
- ✓Bundling auto and renters insurance could save up to $900
- ✓Earned USA Today's America's Best Customer Service 2026, per its own page
- ✕No published Connecticut price
- ✕Steer Clear requires no at-fault accidents or moving violations in the past 3 years
- ✕Discount percentages vary by state
- Telematics:
- Drive Safe & Save, up to 30%
- Young driver program:
- Steer Clear, up to 20%
- Switch savings:
- $740 average
- Ways to buy:
- Local agent or online
Bottom line: State Farm is the best choice for Connecticut drivers who want a local agent because it pairs agent service with up to 30% off through Drive Safe & Save. Young drivers with clean records should ask about Steer Clear.
- 07
Liberty Mutual
8.3/10National insurer selling Connecticut car insurance online, by phone and through local agents.
Price
Customper month, statewide full coverage average
Publishes a Connecticut market average for full coverage of about $225 a month; Liberty Mutual's own price is quote-only
“The average cost of “full” coverage car insurance in Connecticut is about $225 per month, or $2,700 per year.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.0
- Features (35%)
- 8.4
- Ease of use (25%)
- 8.6
Best forConnecticut drivers who want to buy online and earn a telematics discount.
Liberty Mutual suits Connecticut drivers who want to buy online in one sitting. Its state page says you can get a quote in 10 minutes or less with a driver's license, VIN and the car's current mileage, and an Online Purchase Discount applies when you buy online. RightTrack rewards good driving with up to 30% off, and a bundle discount applies when you combine policies. Optional coverages include uninsured and underinsured motorist, rental car reimbursement and roadside assistance. The page also sets a useful benchmark: the average cost of full coverage car insurance in Connecticut is about $225 a month, or $2,700 a year. That is a market figure, not a Liberty Mutual price. Liberty Mutual says switchers could save over $700 and shows its own comparisons against other insurers, but those are the company's claims, so verify them with your own quotes.
- ✓Publishes a Connecticut full coverage benchmark of about $225 a month
- ✓Drivers who switch could save over $700, per Liberty Mutual
- ✓Fast online purchase
- ✕The $225 figure is a statewide average, not Liberty Mutual's own price
- ✕Its price comparisons with other insurers are its own figures
- ✕Discount amounts other than RightTrack are not published
- CT full coverage average:
- About $225 a month, $2,700 a year
- Telematics:
- RightTrack, up to 30%
- Quote time:
- 10 minutes or less
- Switch savings:
- Over $700
Bottom line: Liberty Mutual is the best choice for online buyers because it quotes in 10 minutes or less and adds an Online Purchase Discount. Use its $225 a month full coverage average as a benchmark.
- 08
Travelers
8.1/10Hartford-headquartered insurer selling car insurance through independent agents and by phone.
- Free plan
- No
- Value (40%)
- 8.1
- Features (35%)
- 8.2
- Ease of use (25%)
- 7.9
Best forConnecticut drivers who want an independent agent and a safe driver discount.
Travelers is the hometown pick for drivers who want an independent agent. Its auto insurance is underwritten by The Travelers Indemnity Company and affiliates at One Tower Square in Hartford. The Safe Driver Discount applies when a household has had no accident, violation or major comprehensive claim in three to five years, and a good student discount applies for drivers in high school or college with a B average or better. Bundling car, home, boat and other policies earns a multi-policy discount. Claims can be reported 24/7 and tracked digitally, and the app handles ID cards, vehicle changes and roadside tracking. The downside for price shoppers is transparency: Travelers publishes no Connecticut price or discount percentages, and some products are only available through an independent agent. Ask the agent to quote Travelers next to other carriers they represent.
- ✓Headquartered at One Tower Square, Hartford, Connecticut
- ✓Sold through local independent agents who can compare options
- ✓Quotes by phone at 1.866.218.0397
- ✕No published Connecticut price
- ✕Some products are only available through an independent agent
- ✕Discount percentages are not published
- Headquarters:
- Hartford, Connecticut
- Safe driver discount:
- 3 to 5 clean years
- Claims:
- 24/7 reporting, digital tracking
- Ways to buy:
- Independent agent or phone
Bottom line: Travelers is the best choice for Connecticut drivers with clean records who want an independent agent, because its Safe Driver Discount rewards three to five clean years. Ask your agent to compare it with other carriers at the same limits.
- 09
USAA
8.1/10Member-owned insurer for military members, veterans and their families.
Price
$202per month, Connecticut member average
Connecticut members paid $202 a month on average in 2025
“Connecticut members paid $202 per month on average in 2025” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 7.6
- Features (35%)
- 8.4
- Ease of use (25%)
- 8.3
Best forMilitary members, veterans and eligible family members in Connecticut.
USAA serves Connecticut's military community, and eligibility depends on military service or family ties. Its Connecticut page says members paid $202 a month on average in 2025, the highest figure published by any insurer here, which likely reflects members' coverage choices more than a quote for a given driver. SafePilot can save up to 15% for enrolling and up to 30% at renewal for safe driving, and SafePilot Miles is built for active duty members who live on base or are about to deploy. Bundling auto and property policies saves up to 10%, and multi-vehicle and new vehicle discounts are listed. The USAA Mobile App manages policies and claims 24/7. USAA says surveyed members saved $960 a year on average when they switched. Roadside assistance requires paid towing and labor coverage.
- ✓Publishes a Connecticut member average
- ✓Members who switched saved an average of $960 a year, per a USAA survey
- ✓SafePilot Miles suits members who deploy or live on base
- ✕Membership is limited to the military community and eligible family
- ✕Its $202 a month member average is the highest price figure on this list
- ✕Roadside assistance requires paid towing and labor coverage
- Connecticut average:
- $202 a month, 2025
- Telematics:
- SafePilot, up to 30% at renewal
- Bundle discount:
- Up to 10%
- Eligibility:
- Military, veterans and families
Bottom line: USAA is the best choice for Connecticut military families because SafePilot Miles is built for members who deploy or drive little. Eligible drivers should quote it, but compare it with Amica because its published average is high.
- 10
Arbella Insurance
8.0/10New England insurer sold through local independent agents in Massachusetts, New Hampshire, Connecticut and Rhode Island since 1988.
Price
Customper year, Accident Forgiveness add-on
Policies are quote-only through agents; the Accident Forgiveness add-on costs $75 a year
“Just $75/year could save you hundreds.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.1
- Features (35%)
- 8.3
- Ease of use (25%)
- 7.6
Best forConnecticut drivers who want a local independent agent and low-cost add-ons.
Arbella is a regional option for Connecticut drivers who prefer an independent agent. The company says it has served Massachusetts, New Hampshire, Connecticut and Rhode Island since 1988 and sells through local independent agents. Its car insurance page publishes add-on prices that most insurers keep quote-only: an Accident Forgiveness endorsement costs $75 a year and waives surcharge points after an accident, and gap coverage costs about $30 a year. The Customer Care Package adds enhanced rental, new vehicle replacement cost and trip interruption coverage on qualifying policies, the Disappearing Deductible lowers the collision deductible for each accident-free year, and Pet Protection pays up to $500 in vet bills after a crash. A home and auto bundle could save 20% or more. Arbella notes that not all discounts are available in all states, so confirm Connecticut eligibility with the agent. There is no online purchase and no published Connecticut premium.
- ✓Add-on prices are published in plain dollars
- ✓Home and auto bundle could save 20% or more
- ✓Independent agents who live and work locally
- ✕Sold only through agents, with no online purchase
- ✕No published average premium for Connecticut
- ✕Not all discounts are available in all states, and some shrink at each renewal
- Accident Forgiveness:
- $75 a year
- Gap coverage:
- About $30 a year
- States:
- MA, NH, CT, RI
- Sold through:
- Independent agents
Bottom line: Arbella is the best choice for Connecticut drivers who want an independent agent and cheap add-ons, because Accident Forgiveness costs $75 a year. Confirm which discounts apply in Connecticut before you compare.
What to check before you pay
Start from the Connecticut minimums, then buy more
Connecticut requires bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $25,000 per accident, and uninsured and underinsured motorist bodily injury of $25,000 per person and $50,000 per accident. Those limits rarely cover a serious crash on I-95 or I-84. Lenders require collision and comprehensive on a financed or leased car, so quote every insurer at the same higher limits.
Connecticut is a fault state
Amica and Allstate both note that Connecticut follows a fault-based system: the driver who caused the crash pays for the damage through their liability coverage. There is no required personal injury protection, so optional medical payments coverage and higher uninsured motorist limits are the main ways to protect your own household's medical bills.
Use published figures as yardsticks, not offers
Allstate's online buyers paid $102 a month for liability-only coverage, The Hartford's customers pay about $115 a month, Progressive's 2025 liability-only average was $138.62 a month, USAA members paid $202 a month in 2025, and Liberty Mutual puts the state's full coverage average at about $225 a month. Each figure measures a different group and coverage level, so the only fair comparison is quotes at matching limits.
Check the telematics discount
Allstate Drivewise and Liberty Mutual RightTrack each advertise up to 30% off, State Farm Drive Safe & Save advertises up to 30%, Amica StreetSmart up to 20%, and USAA SafePilot up to 15% just for enrolling. Commuters with steady, low-mileage habits usually gain the most from these apps.
Decide how you want to handle claims
Amica, Travelers and The Hartford advertise 24/7 claim reporting, USAA and Plymouth Rock manage claims in their apps, and State Farm, Travelers and Arbella work through local agents who can help after a crash. Pick the service style you will want when something goes wrong, not only the lowest premium.
FAQ
What is the best car insurance in CT?
Amica Mutual is the best car insurance in Connecticut for most drivers in 2026. It is a customer-owned mutual with dividend policies, up to 30% off for bundling and up to 20% off through StreetSmart, and 94% of its customers stay each year. The Hartford is the best alternative for AARP members.
What is the cheapest car insurance in Connecticut?
Allstate publishes the lowest Connecticut figure we found: online buyers paid $102 a month on average in 2025 for a liability-only policy covering one driver and one car. The Hartford's Connecticut customers pay about $115 a month on average. Your price depends on your record, car and ZIP code, so compare quotes at the same limits.
How much is car insurance in Connecticut per month?
About $225 a month for full coverage, according to Liberty Mutual's Connecticut page, or $2,700 a year. Progressive's 2025 average for six-month liability-only policies was $138.62 a month, and USAA members paid $202 a month on average in 2025.
What car insurance is required in Connecticut?
Connecticut requires bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $25,000 per accident, and uninsured and underinsured motorist bodily injury of $25,000 per person and $50,000 per accident. Collision and comprehensive are optional under state law but usually required by lenders.
Is Connecticut a no-fault state for car insurance?
No. Connecticut is a fault-based state, so the driver who caused the crash is responsible for the damage through their liability coverage, according to Allstate and Amica. Medical payments coverage is optional and can help pay your own household's medical bills.
Which Connecticut car insurer is best for claims service?
Amica Mutual is our pick for claims service, with 24/7 phone support and 94% of customers staying each year. Travelers, headquartered in Hartford, offers 24/7 claim reporting with digital tracking, and The Hartford lists 24/7 claim service for Connecticut drivers.
Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.
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