Cheapest Car Insurance for Infrequent Drivers in Connecticut

Cheapest Car Insurance for Infrequent Drivers in Connecticut

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

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What’s the cheapest car insurance 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.

How much is auto insurance in Connecticut?
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.

Is the best company State Farm, Geico, Progressive, or Allstate?

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 .

Auto Insurance Company Comparison
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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