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Cheapest Car Insurance in Connecticut

Although Connecticut is on record as the United States’ third smallest state, it holds number four on the list of most denstly populated states. Marking the southern border of the official New England region of the U.S., historically strong maritime roots give this state its East Coast charm and Atlantic ocean allure. Quaint farms and stately horse properties contrast pleasantly with the ever-busy Cheshire, New Haven and Tri-State Area. Drivers find historic sites all across the “Nutmeg State”, and wants to protect and inform drivers as they make their way through. Following is a bundle of useful information to help drivers stay informed and protected.


From the bustling city to the beautiful country, Connecticut offers a wide array of driving routes. Similarly, Connecticut’s insurance laws and regulations offer a wide array of requirements. Connecticut drivers can stay informed and make certain they are adequately protected by using this list of useful information.

Minimum Requirements for Car Insurance in Connecticut

  • The Connecticut Department of Motor Vehicles (DMV) requires that every vehicle registered in the state have liability coverage and uninsured/underinsured driver coverage. If the vehicle is registered it must be insured.
  • Liability Coverage minimums for the state of Connecticut:
    • $20,000 for death or injury per person involved in a traffic collision.
    • $40,000 for death or injury per accident if multiple individuals are involved.
    • $10,000 for damage of property.
    • Uninsured/Underinsured driver coverage of $20,000 per person and $40,000 per accident.
  • A driver who does not respond to DMV notices to register his/her vehicle may have their registration suspended and lose their privilege to register any vehicle in the state.

New Driver Licensing Requirements

  • The Connecticut DMV states that any new driver must obtain a 2-year leaner’s permit prior to obtaining a regular driver’s license. The driver must hold the permit for a minimum of 90 days to be eligible for a regular license.
  • Applicants must pass a vision test and written test to obtain the learner’s permit, and the permit has several restrictions and requirements:
    • Must be accompanied by a driver who is 20 years of age or older and has held a valid drivers license with no suspensions for four consecutive years.
    • Completion of an 8 hour Safe Driving Practices Course. The DMV provides information regarding how and where to take this course.
    • If the driver is under 18 years of age, he/she may have no passengers except the required licensed driver listed above.
  • Vision Screening. An applicant’s results on this test must indicate a visual acuity of at least 20/40. The test also evaluates the applicant’s peripheral vision and perception of depth and color.
  • Written Test. To test the applicant’s knowledge of the Connecticut Driver’s Manual, the DMV requires the applicant to pass a 25-question test. 20 correctly answered questions are needed to pass, and a copy of the manual can be accessed at the above link.
    • If an applicant fails the written test, he/she must wait 7 days before being eligible to re-take the test. Written test results are valid for 2 years. To help applicants prepare for the exam, the Connecticut DMV has also provided useful podcasts which can be accessed on the DMV’s web page.
  • Road Test. The vehicle used for the road test must be registered, insured and in safe operating condition. The vehicle must be driven to and from the testing facility by a licensed driver. The Connecticut Driver’s Manual states that the road test evaluates each applicant’s skills in the following areas:
    • Properly adjust seat belts, steering wheels, mirrors and seats.
    • Operate all vehicle equipment including windshield wipers and washers, parking break, heater, defroster, headlights and horn.
    • Ability to obey traffic signs and signals.
    • Parking the vehicle.
    • Backing the vehicle.
    • Execution of basic driving skills.
    • Ability to recognize warning lights on the vehicle’s instrument panel.
  • Fees. There is a $19 fee for the learner’s permit and a $40 testing fee. The regular drivers license fees are $72 for a 6 year license and $84 for a 7 year license.


  • BAC limit: .08 Any and all convictions in Connecticut result in a minimum license revocation for the driver and the state’s DMV web page outlines the penalties for Operating Under the Influence (OUI). In addition to criminal penalties, Connecticut also enforces Administrative per se suspensions as well as Ignition Interlock Device (IID) requirements for every offense.The IID program requires a $100 administration fee upon application submission. When court-ordered, an IID must be installed on each vehicle the driver owns and/or operates. The driver must pay the installation fee which is determined by the installer, and every 30 days, the driver must respond to the installer to have the IID re-calibrated. Failure to comply with any part of the IID program results in suspension of the driver’s license.
  • First Offense:
    • Upon refusal, the driver’s license is suspended for:
      • 18 months if 16-17 years old
      • 1 year if 18-20 years old
      • 6 months if over 21 years old
    • If tested at BAC of .02 to below .16, the driver’s license is suspended for:
      • 1 year if 16-17 years old.
      • 6 months if 18-20 years old.
      • 90 days if over 21 years old.
    • If tested at BAC of .16 or over, the driver’s license is suspended for:
      • 1 year if 16-17 years old.
      • 240 days if 18-20 years old.
      • 120 days if over 21 years old.
    • Mandatory 1 year IID program from the date the license is restored.
  • Second Offense:
    • Upon refusal, the driver’s license is suspended for:
      • 3 years if 16-17 years old
      • 2 years if 18-20 years old
      • 1 year if over 21 years old
    • If tested at BAC of .02 to below .16, the driver’s license is suspended for:
      • 2 years if 16-17 years old.
      • 18 months if 18-20 years old.
      • 9 months if over 21 years old.
    • If tested at BAC of .16 or over, the driver’s license is suspended for:
      • 30 months if 16-17 years old.
      • 20 months if 18-20 years old.
      • 10 months if over 21 years old.
    • Mandatory 3 years IID program from the date the license is restored.
  • Third or Subsequent Offense(s):
    • Upon refusal, the driver faces a possible permanent suspension or a license suspension for:
      • 6 years if 16-20 years old
      • 3 years if over 21 years old
    • If tested at BAC of .02 to below .16, the driver faces a possible permanent suspension or a license suspension for:
      • 4 years if 16-20 years old.
      • 2 years if over 21 years old.
    • If tested at BAC of .16 or over, the driver faces a possible permanent suspension or a license suspension for:
      • 5 years if 16-20 years old.
      • 2 1/2 years if over 21 years old.
    • No IID program is stipulated due to the possible permanent license revocation.

Texting & Driving Laws indicates that Connecticut has banned handheld and hands-free devices from bus drivers and novice drivers. Handheld devices are banned from all drivers as well as texting.

Unique Laws

There are so many laws on each state’s books, some must have been forgotten at some point. Perhaps Connecticut has a few of those with such laws as the one prohibiting walking backward after sunset. Another entry could be the law that makes it illegal to educate dogs. And if a driver happens to switch out their vehicle for a nice bike ride, remember that a bicyclist can be stopped by the police for riding over 65 MPH!


Best Cheap Car Insurance Quotes for Connecticut

Fairfield County Car Insurance

Home to nearly 1 million residents, Fairfield County forms the southwest tip of Connecticut. It encompasses four of the state's largest cities: Bridgeport, Stamford, Norwalk and Danbury. As of 1960, there is no county government.

Fairfield County is one of the most affluent in the U.S. due to what is called the "Gold Coast," home to many wealthy New York City-based executives. The Gold Coast extends from Greenwich to Fairfield along the Long Island Sound. Visitors come for the beaches and outdoor water sports, as well as attractions such as the Stamford Museum and Nature Center, Maritime Aquarium at Norwalk and Barnum Museum in Bridgeport. Bridgeport is the birthplace of Subway Sandwiches, founded in 1965. The town of Bethel is the birthplace of Phineas Taylor "P.T." Barnum, a businessman best remembered for founding the Barnum & Bailey Circus.

County Sedan Suv Coupe Truck Hybrid

Hartford County Car Insurance

Located at the Connecticut-Massachusetts border, Hartford County encompasses the state capital of Hartford, which also served as the county seat until the state abolished all county governments in 1960. Hartford today is known as the Insurance Capital of the World and the state's third largest city.

Hartford County is home to the nation's oldest continuously operated newspaper, the Hartford Courant, as well as oldest museum, the Wadsworth Atheneum, and oldest publicly funded park, Bushnell Park. The homes of authors Mark Twain and Harriet Beecher Stowe both still stand, and are both open to the public as museums.

County Sedan Suv Coupe Truck Hybrid

New Haven County Car Insurance

Located between Bridgeport and Hartford in south central Connecticut, New Haven County boasts two of the state's largest cities: New Haven and Waterburg. New Haven is home to Yale University, a private Ivy League research university founded in 1701.

Alexander Graham Bell's first telephone lines were installed in New Haven, and this was followed by publication of the first phone book in 1878, which listed only 50 names. New Haven was once home to inventor Eli Whitney, and is the reported birthplace of the hamburger in 1900. Touting itself as the birthplace of the hamburger sandwich, Louis' Lunch is still open and serving "The Original Burger."

County Sedan Suv Coupe Truck Hybrid
New Haven$1,148.00$890.00$1,152.00$1,118.00$1,077.00

New London County Car Insurance

Making up the southeastern corner of the state, New London County is among Connecticut's most visited regions. It was one of four original counties established in Connecticut in 1666. Its largest city is Norwich, the birthplace of writer Wally Lamb and Polaroid camera inventor Edwin Land.

The City of Mystic is home to the largest maritime museum in the U.S., Mystic Seaport and Museum. New London County also boasts the world's largest single casino, Foxwoods Resort in Mashantucket, along with the Navy's Submarine School and Coast Guard Academy.

County Sedan Suv Coupe Truck Hybrid
New London$993.00$787.00$1,023.00$969.00$935.00

Litchfield County Car Insurance

The largest county in Connecticut by land area, Litchfield County encompasses the portion of the Appalachian Mountains known as the Berkshire Mountains. The largest city is Torrington, birthplace of abolitionist John Brown and the site of Torringford, a vital hub of the Underground Railroad in the years before the Civil War.

Before the state abolished all county governments in 1960, the town of Litchfield was the county seat. The birthplace of author Harriet Beecher Stowe, Litchfield is the site of the country's first law school established in 1784. Bethlehem is known as "Connecticut's Christmas Town," and the town of Barkhamsted is home to one of the few remaining drive-in theaters, in operation since 1947.

County Sedan Suv Coupe Truck Hybrid

Middlesex County Car Insurance

Extending from the suburbs of Hartford south to the coast, Middlesex County is Connecticut's smallest county by land area. Until county governments were abolished by the state in 1960, Middletown was the county seat.

The town of Killingworth is the subject of poet Henry Wadsworth Longfellow's work, "The Birds of Killingworth," and in 2004 the town produced the 100-foot tree that graced Rockefeller Center, the largest Christmas tree in its history thus far. Middlesex County is also home to one of oldest continuously operating inns in the U.S., the Griswold Inn in Essex.

County Sedan Suv Coupe Truck Hybrid

Tolland County Car Insurance

Home to more than 151,000, Tolland County lies at Connecticut's northern border. The University of Connecticut is located in Mansfield in the eastern part of the county. The largest city is Vernon, known for its textile industry before World War II.

There is no county seat, since county governments were abolished in Connecticut in 1960, but past county seats are Tolland, which celebrated its Tricentennial in 2015, and Rockville, a community of under 8,000 that consolidated with the town of Vernon in 1965. The Mansfield Training School, a former hospital for the mentally ill, has been featured on a number of TV shows as one of Connecticut's most haunted places.

County Sedan Suv Coupe Truck Hybrid

Windham County Car Insurance

Connecticut's least populated county, Windham County has 118,428 residents at the 2010 Census. The county makes up the northeastern-most corner of Connecticut, bordering both Rhode Island and Massachusetts. Interstate 395 runs north to south through the county.

Named for Wyndham in England, the former county seat of Windham has about 25,000 residents. The most rural part of the state, the county is often referred to as "the quiet corner." Hiking, golfing and outdoor recreation are popular, and many old Native American hunting trails remain.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
New Haven$1,148.00$890.00$1,152.00$1,118.00$1,077.00
New London$993.00$787.00$1,023.00$969.00$935.00
Windham$1,035.00$795.00$1,046.00$1,007.00$971.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Car insurance premiums in Connecticut have been steadily above the national average for nearly two decades. However,, indicates that the state’s car insurance premiums as a percentage of income have remained below the national average over the last decade.

Drunk Driving Fatalities

Connecticut has seen improvement in the number of drunk driving fatalities, but the The National Highway Traffic Safety Administration shows the state was still far above the national average in 2012.

Teen Drinking and Driving

Connecticut’s teens do not drink and drive at the rate of their national counterparts. According to the Center for Disease Control, the state ranks slightly lower than the national average when it comes to teen drinking and driving.

Vehicular Theft in Connecticut

The national average for vehicle theft is nearly 230, according to the FBI, while Connecticut is reported at just under 180. The state even shows a decreasing trend in vehicle thefts since 2011.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversAmica Mutual
Drivers with an at-fault crashTravelers
Drivers with poor creditAmica Mutual
Retired driversState Farm


State Department of Insurance

Connecticut Insurance Department
153 Market St. Hartford, CT 06103
(800) 203-3447
Get Directions

Department of Transportation

Connecticut Department of Transportation
2800 Berlin Turnpike
Newington, CT 06111
(860) 594-2000
Get Directions

Department of Motor Vehicles

Connecticut Department of Motor Vehicles
60 State Street
Wethersfield, CT 06161-4020
(860) 263-5725
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