State profile · CT · CMS + NAIC
Connecticut drivers average $1394/yr for auto insurance, ranked #14 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
Connecticut runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1394 a year for auto cover, above the $1191 national average (the 14th-most-expensive of 51 states), up 10% since 2019.
2019: $1267 average expenditure
$1,267 avg expenditure
2020: $1230 average expenditure
$1,230 avg expenditure
2021: $1241 average expenditure
$1,241 avg expenditure
2022: $1279 average expenditure
$1,279 avg expenditure
2023: $1394 average expenditure
$1,394 avg expenditure
What this shows Connecticut drivers' average auto cost rose 10% between 2019 and 2023.
Year over year, Connecticut's average auto expenditure rose 9.0% from 2022 to 2023, part of a 10% increase (+$127) since 2019. See the full 5-year state-by-state comparison.
Connecticut auto rates in detail →Connecticut: $1394/yr average auto expenditure (this state)
$1,394 avg expenditure
Michigan: $1443/yr average auto expenditure
$1,443 avg expenditure
Texas: $1429/yr average auto expenditure
$1,429 avg expenditure
South Carolina: $1367/yr average auto expenditure
$1,367 avg expenditure
Arizona: $1344/yr average auto expenditure
$1,344 avg expenditure
No issuer-level claim-denial data is reported for Connecticut in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
Connecticut's 2023 average auto expenditure was $1394, 14th of 51 jurisdictions by cost and 17.1% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Connecticut uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. Connecticut's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Connecticut's closest peers in PlainInsurer's dataset are South Carolina ($1367/yr) and Texas ($1429/yr) -- both within a few dollars of Connecticut's own $1394/yr.
Border comparison. Connecticut borders Massachusetts, New York, and Rhode Island. Connecticut's auto costs run higher than 2 of them and lower than 1, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Connecticut operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the Connecticut Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.