The Bankrate editorial team, which includes licensed insurance agents, analyzed data from Quadrant Information Services to help Connecticut drivers buy car insurance and, potentially, save on coverage. Other providers may offer cheap insurance near you, so it might be a good idea to compare providers before buying a policy. Connecticut car insurance rates vary depending on many factors, such as your driving record, the type of coverage you're looking for, your age, your vehicle, and the company you choose. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.
While average car insurance rates can give you an idea of what to expect, collecting quotes from different companies can give you a more accurate idea of your rates based on your driver profile. State insurance requirements can also affect the cost of coverage, as drivers must have a minimum level of auto insurance in the state. Yes, car insurance in Connecticut is cheaper than insurance in New York State by about 36% with minimal coverage. Not having car insurance in many states can make you a high-risk driver when buying car insurance.
After having an accident, you should consider looking for car insurance to ensure that you get the lowest possible rates. Teenage drivers who face a high car insurance bill often take advantage of discounts for young drivers, such as a defensive driving course, getting good grades, or sharing a car insurance policy with their parents. Insurance companies value factors such as car accidents differently, so the cheapest insurance company for you could change it after you've had an accident. If you were recently at fault for an accident or were caught speeding or driving under the influence of alcohol, your car insurance bill is likely to increase.
Bankrate's analysis of the state's top insurance companies revealed that Connecticut's cheapest car insurance could be available from Geico, Amica, USAA, State Farm and Nationwide. Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. While comprehensive insurance and collision insurance dramatically increase the cost of premiums, they're often worth it if your car is worth more than a few thousand dollars.