Connecticut Minimum Auto Insurance Requirements (2024)
The mimimum coverage for auto insurance in Connecticut requires 25/50/25 of bodily injury and property damage coverage. The average rate of insurance is around $50.24/mo.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Feb 29, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Connecticut drivers who do not comply with Connecticut’s auto insurance minimum auto insurance limits could be fined, lose their license, or face other unpleasant consequences
- Your insurance company may notify the state as soon as you cancel your existing auto insurance policy
- Drivers in this state are financially responsible for any damages they cause while behind the wheel of a vehicle
- The CT car insurance minimum requirements include coverage for liability as well as uninsured motorists
Most Connecticut drivers are aware that they are legally obligated to purchase a minimum amount of auto insurance coverage in Connecticut. However, you may not be certain what these requirements are or why they are in place. A closer look will help you to better understand this important requirement.
State law in Connecticut makes drivers financially responsible for all damages and expenses they create while operating their vehicle.
Some accidents may result in tens of thousands of dollars worth of damage or more, and it is not possible for many local residents to pay this hefty amount of money out of their own pocket.
What is the minimum coverage for auto insurance in Connecticut? To ensure that local drivers have the financial means to pay for at least a portion of the damages they may case, the state has created a liability insurance requirement for drivers which we’ll look at next.
if you’re in Connecticut and need car insurance, make sure you compare rates with our free comparison tool above.
What is the minimum required auto insurance for Connecticut?
Now that you are aware of what the most common insurance types are in Connecticut, you may be wondering what the state’s minimum legal requirements are.
The NAIC releases its auto insurance database report which includes up-to-date liabilty requirements by state. For all drivers in Connecticut, the law requires you to purchase a policy that includes at least:
- $20,000 per person and $40,000 per accident for bodily injury liability coverage
- $10,000 per accident for property damage coverage
- $20,000 per person and $40,000 per accident for uninsured or underinsured motorist coverage
These auto insurance requirements are relevant for a private-use vehicle in Connecticut, but some drivers may have specialized vehicles or special-use vehicles, such as a commercial vehicle or a classic car that is not driven on public roads.
This video from Allstate goes over liability auto insurance coverage and some of what it covers.
https://youtu.be/04SZGS6DdVM
How much is insurance for a new driver in CT? It’s hard to give a definitive answer, as auto insurance rates depend on a variety of factors like your age, gender, driving record, credit history, home address, and more.
But the table below can give you an idea of how much the average rates are for the top insurer in Connecticut.
Companies | Average Annual Auto Insurance Rates |
---|---|
State Farm | $2,976.24 |
Geico | $3,073.66 |
USAA | $3,190.00 |
Nationwide | $3,672.34 |
Progressive | $4,920.35 |
Allstate | $5,831.60 |
Travelers | $6,004.29 |
Safeco | $7,282.87 |
If you have a special situation, explore unique insurance requirements that may be relevant to your situation.
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How to Read Auto Insurance Requirements
Auto insurance can be seemingly complicated to many drivers, and you understandably may feel confused about how to read auto insurance requirements in Connecticut.
If you do not know how to read car insurance requirements, you cannot be sure that you are in compliance with state requirements or understand how protective your coverage is.
These are descriptions of some of the more common types of optional and required auto insurance that are available to Connecticut drivers.
- Bodily Injury Liability – Bodily injury liability coverage pays the other parties for their medical expenses if you caused the accident. This type of coverage is required by law in Connecticut.Property Damage Liability – Property damage liability coverage pays the other parties for their vehicle repairs and other types of property repairs if you damage them in an accident. This type of coverage is also required per Connecticut law.
- Uninsured and Underinsured Motorist Coverage – The last type of coverage that Connecticut drivers are required to purchase is uninsured or underinsured motorist coverage. This type of insurance pays you for expenses caused by a hit and run driver or an uninsured driver.
- Personal Injury Protection (PIP) / Medical Payments – Personal injury protection is required in some states, but it is not required in Connecticut. This optional coverage pays for your own medical expenses for accident-related injuries. Keep in mind that it may supplement your health insurance.
- Collision – Some lenders require customers to buy collision insurance, but it is not a state requirement. Collision insurance pays for vehicle repairs or a full replacement if it is damaged in a collision only.
- Comprehensive – Some lenders also require comprehensive insurance, but this coverage is also not required by law in Connecticut. While collision insurance pays for damages related to a collision, comprehensive insurance pays for damages from a full range of events, such as bad weather, a fire, theft, flooding, and more.
When you read through CT minimum insurance requirements and policy terms, you will likely see these terms above listed with a dollar amount next to them. The dollar amount usually indicates the upper limit that the auto insurance company will pay for that specific type of auto coverage.
If your actual expenses exceed the coverage limit in your policy, you will need to pay them on your own.
Driving Without Insurance in Connecticut
The III estimates that one in eight drivers is uninsured.
Connecticut drivers should be observant of the insurance requirement at all times. If you are caught driving without insurance, you will be fined $200, and the state will offer to buy insurance on your behalf.
If you fail to act on this offer or to prove that you have insurance currently, you will need to attend a hearing. At this hearing, your vehicle’s registration or your driver’s license may be revoked or suspended.
Minimum Required Auto Insurance vs. Recommended Coverage
Some Connecticut drivers think that they only need to purchase the minimum amount of coverage required by the state’s law and perhaps additional coverage required by their lender, but this is not necessarily the case.
You must pay for all damages you cause while driving, including property damage, medical bills, and more.
Therefore, you should purchase enough coverage and the right type of coverage to pay for all expenses that you financially cannot afford to pay for.
For example, you may wish to buy more than the minimum required limits of bodily injury and property damage liability insurance, and you may also want to buy comprehensive insurance with towing or rental car reimbursement for additional benefits.
You can work with an insurance agent to set up the coverage you need with an affordable premium amount.
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Buying New Auto Insurance in Connecticut
Smart drivers in Connecticut will review and update their auto insurance coverage every six months, and this is because it will help you to address any changing needs for your coverage and find the best rate available.
Comparing online rates is a fast and convenient way to shop for new auto insurance, but you should carefully select the providers who you reach out to for quotes. Not all providers are the same, and you need to make a savvy buying decision when purchasing auto insurance in Connecticut.
In addition to focusing your attention on the cost of auto insurance, remember to look for a provider that has great financial standing and a good customer service reputation.
If you’re looking for cheap auto insurance in Connecticut, don’t miss out on our free comparison tool below. Just enter your ZIP code and compare rates now.
Frequently Asked Questions
What are the minimum auto insurance requirements in Connecticut?
In Connecticut, the minimum auto insurance requirements include liability coverage. The minimum liability coverage limits are as follows:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Is liability coverage the only requirement in Connecticut?
Yes, liability coverage is the primary requirement in Connecticut. It ensures that you have financial protection in case you cause injury or property damage to others while operating a vehicle. However, it’s important to note that liability coverage only covers damages to others, not your own vehicle.
Are there any additional coverage options beyond the minimum requirements in Connecticut?
While liability coverage is the minimum requirement, Connecticut drivers have the option to purchase additional coverage to enhance their protection. Some common optional coverage options include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. These coverages provide added financial protection in various scenarios.
Can I drive without insurance if I have other financial assets or proof of ability to pay for damages?
No, in Connecticut, all drivers are required to carry auto insurance regardless of their financial assets or ability to pay for damages. Proof of insurance must be presented when registering a vehicle or when requested by law enforcement officers. Failing to carry insurance can result in penalties, such as fines, license suspension, or vehicle impoundment.
Are there penalties for driving without insurance in Connecticut?
Yes, driving without insurance in Connecticut can result in penalties. These penalties may include fines, license suspension, vehicle impoundment, and the requirement to file an SR-22 form (proof of financial responsibility) with the Connecticut Department of Motor Vehicles (DMV).
How can I prove my insurance coverage in Connecticut?
In Connecticut, you can provide proof of insurance coverage through various means, including:
- Insurance ID card issued by your insurance company
- Digital proof of insurance on your smartphone or other electronic device
- Documentation of coverage provided by your insurance company
Can I choose higher coverage limits than the minimum requirements in Connecticut?
Yes, you have the option to choose higher coverage limits than the minimum requirements in Connecticut. Higher coverage limits provide increased financial protection in the event of an accident. It’s recommended to consider your personal circumstances and the potential risks involved to determine the appropriate coverage limits for your needs.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.