How much is car insurance in Connecticut?
Drivers in Connecticut paid an average of $1,508 a year for full-coverage car insurance in 2023 (NAIC), 5% above the $1,439 US average, or about $1,790 a year in Connecticut today (about $150 a month through August 2026). In Connecticut, the law asks for at least 25/50/25 liability, and Connecticut's 2023 liability-only average—the closest NAIC benchmark to a minimum policy—was $854 (about $1,010 today).
Average car insurance cost in Connecticut: 5% above the US average
Typical Connecticut full-coverage price today
about $1,790 a year in Connecticut (about $150 a month)
Connecticut's 2023 NAIC full-coverage average ($1,508) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Connecticut rate depends on your car, driving history, and coverage limits.
That $1,508 2023 full-coverage figure makes Connecticut the 15th most expensive of the 50 states and DC (against $1,439 nationally), with 57% going to liability ($854, 12th highest in the US) and 43% covering physical damage to your own vehicle. Across all insured vehicles in Connecticut (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $1,394 (14th highest in the US, about $1,650 today)—only 8% ($114) below Connecticut's $1,508 full-coverage benchmark.
How Connecticut compares with Massachusetts, New York, and Rhode Island
A typical policy in Connecticut ($1,508 in 2023) costs more than in Massachusetts and less than in New York and Rhode Island. Among Connecticut's neighbors, Massachusetts had the lowest 2023 average ($1,413, moving to Connecticut is about $130 more a year) and New York had the highest ($1,896, moving to Connecticut is about $520 less a year).
| State | 2023 average | Moving to Connecticut from there |
|---|---|---|
| Connecticut | $1,508 | Current state (Connecticut) |
| Massachusetts | $1,413 | About $130 more a year |
| New York | $1,896 | About $520 less a year |
| Rhode Island | $1,710 | About $270 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Arizona ($1,505 in 2023, about $1,780 today), South Carolina ($1,517 in 2023, about $1,800 today), Delaware ($1,569 in 2023, about $1,860 today), and Michigan ($1,573 in 2023, about $1,860 today).
Connecticut: 25/50/25 minimums, with mandatory uninsured-motorist coverage
- Connecticut liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Connecticut
- Not required
- Medical payments in Connecticut
- Not required
- No-fault system in Connecticut
- No
- Uninsured motorist in Connecticut
- Required
- Underinsured motorist in Connecticut
- Required
Set by Conn. Gen. Stat. 14-112(a), Connecticut's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Connecticut, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Connecticut—the closest NAIC figure to what a Connecticut minimum policy costs—averaged $854 in 2023 (about $1,010 in Connecticut today), the 12th highest of the 50 states and DC. That makes liability 57% of Connecticut's full-coverage average ($1,508), while the remaining 43% goes toward collision and comprehensive coverage for your own car.
Connecticut requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage. Every policy must include uninsured/underinsured-motorist coverage. It matches your liability limits unless you sign a form lowering it, and it can't go below $25,000/$50,000.
Good to know: Connecticut ended its no-fault system years ago, so PIP isn't required.
What we couldn’t confirm: We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Uninsured and underinsured motorist
- Every policy includes combined uninsured and underinsured motorist coverage. It matches your injury liability limits unless you ask in writing, on a signed consent form, for less. It can never go below $25,000 per person and $50,000 per crash. Insurers must offer up to twice your injury liability limits.
- History and recent checks
- 25/50/25 in current Conn. Gen. Stat. 14-112(a), incorporated by 38a-335(a). No 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- Conn. Gen. Stat. 14-112(a)
of twenty-five thousand dollars, or by reason of personal injury to, or the death of, more than one person ... of at least fifty thousand dollars, and for damage to property of at least twenty-five thousand dollars
- Conn. Gen. Stat. 38a-335(a)
Each automobile liability insurance policy shall provide insurance ... with limits not less than those specified in subsection (a) of section 14-112
- Conn. Gen. Stat. 38a-371(a)
The owner of a private passenger motor vehicle required to be registered in this state shall provide and continuously maintain throughout the registration period security
- Conn. Gen. Stat. 38a-336(a)
Each automobile liability insurance policy shall provide insurance, herein called uninsured and underinsured motorist coverage ... with limits for bodily injury or death not less than those specified in subsection (a) of section 14-112
- Conn. Gen. Stat. 14-112(a)
Adding a 16-year-old driver in Connecticut: about $1,180 more a year
Adding a 16-year-old to a Connecticut policy
about $1,180 more a year
About $100 a month (+66% over a typical Connecticut adult policy of $1,790), bringing the combined Connecticut family policy to roughly $2,200–$3,950 a year.
On a separate Connecticut policy of their own with the same car, a 16-year-old in Connecticut would pay about $5,130 a year (roughly $3,900–$7,300), so sharing a parent's Connecticut policy saves about $3,950 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Connecticut's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Connecticut
In Connecticut, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $1,050 more a year on a Connecticut policy, compared with about $1,780 more a year for the 2022 Tesla Model 3 in Connecticut.
| 2022 model | Added to a Connecticut policy | Own Connecticut policy |
|---|---|---|
| 2022 Subaru Forester | +$1,050 in Connecticut | $4,580 in Connecticut |
| 2022 Subaru Outback | +$1,060 in Connecticut | $4,590 in Connecticut |
| 2022 Subaru Crosstrek | +$1,060 in Connecticut | $4,600 in Connecticut |
| 2022 Honda CR-V | +$1,130 in Connecticut | $4,920 in Connecticut |
| 2022 Toyota RAV4 | +$1,150 in Connecticut | $5,000 in Connecticut |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Connecticut
In Connecticut, a 45-year-old with full coverage pays from about $1,870 a year for a 2024 Toyota bZ4X to about $3,180 for a 2024 Tesla Model S on these Connecticut sample models.
| Car | 45-year-old in Connecticut | Adding a teen in Connecticut |
|---|---|---|
| 2024 Nissan Leaf | about $1,980 a year | +$1,300 a year |
| 2024 Hyundai Ioniq 6 | about $2,050 a year | +$1,350 a year |
| 2024 Kia EV6 | about $2,130 a year | +$1,410 a year |
| 2024 Kia Niro | about $2,200 a year | +$1,450 a year |
| 2024 Ford Mustang Mach-E | about $2,000 a year | +$1,320 a year |
| 2024 Volkswagen ID.4 | about $2,010 a year | +$1,320 a year |
| 2024 Toyota bZ4X | about $1,870 a year | +$1,230 a year |
| 2024 Tesla Model S | about $3,180 a year | +$2,100 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Connecticut
- How much is car insurance in Connecticut?
- In Connecticut, full-coverage car insurance averaged $1,508 a year in 2023 (the 15th most expensive of the 50 states and DC per NAIC), or about $1,790 a year ($150 a month) in Connecticut as of August 2026. Connecticut liability-only coverage averaged $854 in 2023 (57% of Connecticut's full-coverage figure, or about $1,010 today), and Connecticut drivers spent $1,394 per insured car across all policies.
- What are the minimum car insurance limits in Connecticut?
- Under Conn. Gen. Stat. 14-112(a), Connecticut requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage. 25/50/25 in current Conn. Gen. Stat. 14-112(a), incorporated by 38a-335(a). No 2024-2026 change found.
- How much does adding a 16-year-old teen driver cost in Connecticut?
- Adding a 16-year-old to a parent's full-coverage policy in Connecticut adds about $1,180 more a year ($100 a month), bringing the Connecticut household policy to roughly $2,200–$3,950 a year versus about $5,130 a year (roughly $3,900–$7,300) on a standalone Connecticut teen policy.
- Is Connecticut a no-fault car insurance state?
- No—Connecticut is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Connecticut does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Connecticut: Every policy includes combined uninsured and underinsured motorist coverage. It matches your injury liability limits unless you ask in writing, on a signed consent form, for less. It can never go below $25,000 per person and $50,000 per crash. Insurers must offer up to twice your injury liability limits.
- How does Connecticut's car insurance cost compare with Massachusetts?
- Connecticut averaged $1,508 for full coverage in 2023 (NAIC) against $1,413 in Massachusetts (7% more than Massachusetts), and moving a sample policy from Massachusetts to Connecticut today is about $130 more a year. Other bordering states averaged $1,896 in New York and $1,710 in Rhode Island in 2023.
Sources for Connecticut
- Connecticut average premiums ($1,508 full coverage, $854 liability-only, $1,394 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Connecticut minimum coverage statutes (Conn. Gen. Stat. 14-112(a); Conn. Gen. Stat. 38a-335(a); Conn. Gen. Stat. 38a-371(a); Conn. Gen. Stat. 38a-336(a)), checked September 22, 2026. Page updated for Connecticut. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.