Connecticut Auto Insurance

Unfortunately, the state's drivers pay a lot for car insurance. This is why it's important to understand your coverage options, and to get the most mileage from premium dollar. (ie.: save money)


This guide:

  • Explains the basic auto insurance laws and requirements in place in CT

  • Describes how Connecticut car insurance rates are set

  • Helps you save money with multiple quotes

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A look at the state's insurance regulations

Connecticut is a tort state, which means that if you drive in the state, you're financially responsible for the damage and injury you cause in an auto accident. Connecticut auto insurance laws require that all drivers carry liability coverage to meet this financial responsibility.

The state's liability minimums are 20/40/10. (That's $20,000 per person for injuries you cause to the other party, up to $40,000 for all, and $10,000 for damage you cause to the other party's property.)

Connecticut auto insurance laws also require uninsured and underinsured motorists bodily injury coverage in the minimum amount of 20/40 ($20,000 per person, up to $40,000 total).

You can boost this policy with "underinsured motorist conversion coverage", which keeps your coverage amount from being reduced by the underinsured driver's liability coverage. (Which is how underinsured motorists coverage usually works.)

Carrying higher levels of both liability and un/underinsured motorist coverage is highly recommended.

Connecticut auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and full glass coverage. (Full glass covers breakage with no deductible.)

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As a Connecticut resident, you may be able to save on your premium by visiting Electric Insurance. This A+ rated carriers policies are available only to those drivers whose credit and driving records could be described as being at least good.

After you visit ComparisonMarket (our favorite!) get a quote from Electric to see if you qualify.

How your auto insurance rates are decided

For better or for worse, the price of Connecticut auto insurance is decided by the behavior of all the state's drivers as a whole. Auto insurance companies take the cost of providing coverage for Connecticut drivers (this includes settlements and legal fees, as well as administrative and other costs) and divide it up among the drivers.

But the cost isn't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.

Of course, not all auto insurance providers figure their percentages the same way. This means that they will charge different rates on the same driver.

What this means for you as a driver, is that you need to shop around, and compare the different rates (and they'll be very different!) for the best deal. It's the fastest and easiest way to save on your auto insurance policy.

Where you can get Connecticut auto insurance quotes.

The following web sites will help you find and compare several quotes: (these links will open in a new window)

  • ComparisonMarket is the best online insurance shopping service, and it is the place to visit first when looking to save money on top-rated auto coverage.

Click here for your quote.

Others:

• Esurance - a national provider of coverage to all drivers. Big savings if you Quote/Buy/Print online!

  • Electric Insurance a provider with discount rates for good drivers

  • Netquote is very helpful if you want a local agent to contact you, to help you sort out the details of your policy.

  • Geico - Like the gecko says: "15 minutes could save you $300 or more on your car insurance".

  • Get quotes by ZIP Code: enter your ZIP below to get a quote from a provider right in your neighborhood:

More CT car insurance advice and help

If you want more help designing your CT auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels.

For more information about CT auto insurance laws and regulations, visit the official website of the State of Connecticut Insurance Department.

Free Auto Insurance Course!

Learn how to save the most money on your next policy with our free insurance course. Learn how to set the right coverage levels, what options to avoid, and the general philosophy of insurance, that will keep you saving for years to come. Sign up here: