Cheap Car Insurance in Connecticut
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Connecticut Car Insurance Minimums
Connecticut requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
- Uninsured motorist bodily injury: $25,000/$50,000
- Underinsured motorist
At-fault (tort) state.
Source: Conn. Gen. Stat. § 38a-336 (UM/UIM); Conn. Gen. Stat. § 14-112 (liability limits 25/50/25), verified 2026-09-01.
What drives car insurance rates in Connecticut
Average spend per insured vehicle, 2023
$1,394
Connecticut drivers spent $1,394 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
78.6¢
Auto insurers in Connecticut paid 78.6 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1
Connecticut recorded 310 traffic deaths in 2024, 1 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
171
Connecticut reported 6,306 motor vehicle thefts in 2025, 171 per 100,000 residents, from 235 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#35
FEMA ranks Connecticut #35 of 51 for expected annual loss from natural hazards; flood accounts for 73% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Connecticut
The ten insurer groups that wrote the most auto premium in Connecticut in 2025, with their share of the state total of $4.4 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 18.78% | $823 million |
| 2 | Berkshire Hathaway Group | 15.94% | $699 million |
| 3 | State Farm Group | 11.1% | $487 million |
| 4 | Allstate Insurance Group | 9.61% | $421 million |
| 5 | Travelers Group | 6.63% | $291 million |
| 6 | United Services Automobile Association Group | 5.26% | $231 million |
| 7 | Liberty Mutual Group | 3.62% | $159 million |
| 8 | Farmers Insurance Group | 3.51% | $154 million |
| 9 | Hartford Fire & Casualty Group | 3.37% | $148 million |
| 10 | Amica Mutual Group | 3.18% | $139 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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