Deciphering which company has the cheapest auto insurance rates for infrequent drivers requires a little more effort in order to find the best price. Every car insurance company has a unique approach to set premium rates, so let’s examine the overall cheapest auto insurance companies in Connecticut.
It’s important to understand that Connecticut auto insurance rates are impacted by many things that control the cost of a policy. Getting older, buying a different home, or having an at-fault accident may generate price changes that can make some companies cheaper than before.
Cheap Insurance Rates in Connecticut
Rank | Company | Cost Per Year |
---|---|---|
1 | Utica National | $995 |
2 | Travelers | $1,171 |
3 | Amica | $1,207 |
4 | USAA | $1,271 |
5 | Nationwide | $1,383 |
6 | Unitrin | $1,534 |
7 | MetLife | $1,564 |
8 | State Farm | $1,623 |
9 | California Casualty | $1,664 |
10 | General Casualty | $1,671 |
11 | Progressive | $1,813 |
12 | Safeco | $1,845 |
13 | GEICO | $1,998 |
14 | Middlesex | $2,053 |
15 | Encompass | $2,279 |
16 | Victoria | $2,348 |
17 | Electric | $2,472 |
18 | Liberty Mutual | $2,595 |
19 | Foremost | $3,295 |
20 | Hanover | $3,400 |
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Utica National normally has some of the cheapest car insurance rates in Connecticut at around $995 annually. Travelers, Amica, USAA, and Nationwide also are some of the lowest-priced Connecticut auto insurance companies.
As shown in the rates above, if you buy coverage from USAA and switched to Travelers, you may realize savings of roughly $100. Policyholders with Nationwide could save as much as $212 a year, and Unitrin customers might realize rate reductions of up to $363 a year.
To find the cheapest auto insurance for infrequent drivers in Connecticut, click here to begin a quote or visit any of the low-priced companies below.
Remember that these policy rates are averages for all insureds and vehicles and do not factor in a price discount for infrequent drivers. So the car insurance company that is best for you may not even be featured in the list above. That helps illustrate why you need to compare prices as often as possible using your own specific driver information and vehicle.
For low mileage drivers, one of the more important things that affect a rate quote is where your car is garaged in Connecticut. Areas that are more densely populated like Hartford, Bridgeport, and East Haven tend to pay more, whereas areas that tend to be more rural benefit from lower prices.
The illustration below ranks the most expensive areas in Connecticut for infrequent drivers to purchase a policy in.
Rank | City | Average Per Year |
---|---|---|
1 | Hartford | $2,064 |
2 | New Haven | $1,978 |
3 | Bridgeport | $1,967 |
4 | Waterbury | $1,946 |
5 | East Haven | $1,884 |
6 | West Haven | $1,814 |
7 | New Britain | $1,714 |
8 | East Hartford | $1,707 |
9 | Milford | $1,704 |
10 | Naugatuck | $1,700 |
11 | Stamford | $1,682 |
12 | Shelton | $1,672 |
13 | Stratford | $1,663 |
14 | Trumbull | $1,649 |
15 | Meriden | $1,637 |
16 | Middletown | $1,593 |
17 | West Hartford | $1,591 |
18 | Bristol | $1,567 |
19 | Newington | $1,561 |
20 | Norwalk | $1,554 |
21 | Torrington | $1,529 |
22 | Norwich | $1,525 |
23 | Manchester | $1,520 |
24 | Danbury | $1,508 |
25 | New London | $1,433 |
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Rates are comparative as specific Connecticut zip code can decrease or increase price quotes considerably.
When it comes to buying auto insurance for low mileage drivers in Connecticut, some of the largest companies to start with are State Farm, Geico, Progressive, and Allstate. When added together, they make up nearly half of the entire U.S. market share. The following table ranks ratings and policy coverage options .
State Farm | Geico | Progressive | Allstate | |
---|---|---|---|---|
Claims Rank | 2nd | 3rd | 4th | 1st |
Overall Satisfaction | 4th | 1st | 3rd | 2nd |
Discounts Available | 3rd | 2nd | 4th | 1st |
Price Rank | 2nd | 1st | 3rd | 4th |
Percent of U.S. market | 18.3% | 11.4% | 8.8% | 10% |
Customer recommendation | 88% | 87% | 88% | 86% |
Rating from A.M. Best | A++ | A++ | A+ | A+ |
Standard & Poor’s financial rating | AA | AA+ | AA | AA- |
Rate for vehicle usage | Yes | No | Yes | Yes |
New car replacement insurance | No | No | No | Yes |
Accident forgiveness coverage | No | Yes | Yes | Yes |
Mechnical breakdown | No | Yes | Yes | No |
Roadside assistance | Yes | Yes | Yes | Yes |
Rideshare insurance | Yes | Yes | Yes | Yes |
Coverage in Connecticut | Yes | Yes | Yes | Yes |
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