Connecticut drivers faced the steepest auto insurance rate increases in the country in the first half of the year, according to Insurify.
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Connecticut drivers faced the steepest auto insurance rate increases in the country in the first half of the year, with the average cost of full coverage projected to rise nearly 15% for all of 2026, according to a new report.
The 2026 midyear auto insurance report released Tuesday by the insurance comparison website Insurify found the average annual cost of full-coverage auto insurance in Connecticut reached $2,652 in June, up 10.5%, or $251, from the beginning of the year.
That was the largest first-half percentage increase among all 50 states and Washington, D.C.
Insurify projects Connecticut premiums will increase another 4.2%, or $101, during the second half of the year, bringing the average annual cost to $2,753 by December. That would represent a 14.7%, or $352, increase from the start of the year.
The state trend contrasts sharply with the national picture. Insurify projects the average cost of full-coverage auto insurance nationwide will increase only about 1% this year, after falling 6% in 2025.
So far this year, 27 states have seen their insurance rates increase. As of mid-2026, drivers in seven states and Washington, D.C., pay more than $3,000 annually for full coverage.
Connecticut also stands out from several neighboring states where Insurify expects rates to decline this year.
Massachusetts premiums are projected to fall 3.6% for the full year, while New York rates are expected to decline 3.8% and New Jersey premiums are projected to decrease 3.9%.
Insurify said several factors continue to put upward pressure on auto insurance costs nationally, including higher vehicle repair expenses and medical costs associated with accidents.
The company cited industry data showing the average cost of bodily injury claims increased 36% between 2020 and 2024, while the average collision claim rose 42% during that period.
The report also said tariffs on imported auto parts could contribute to higher repair costs and insurance premiums, although the impact has so far been less severe than initially anticipated.
The company’s estimates are based on more than 97 million auto insurance rates in its proprietary database, including rates collected through its insurance comparison platform and third-party sources.
The report’s state averages represent the median cost of full-coverage policies quoted to drivers between ages 20 and 70 with clean driving records and average or better credit, where credit can legally be considered in setting rates, Insurify said.
