Car Insurance in Connecticut

Average car insurance cost in Connecticut

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $854 for liability, $478 for collision and $177 for comprehensive ($1,508 combined, versus $1,439 nationally). That average expenditure is 9% higher than the NAIC's previous data year ($1,279). Comprehensive coverage is cheaper than average here, a sign of lower weather and theft losses.

Minimum car insurance requirements in Connecticut

Connecticut's minimum is written as 25/50/25: $25,000 per person / $50,000 per accident in bodily injury liability and $25,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $1,030 a year here, $320 more than the minimum.

Is Connecticut a no-fault state?

No — Connecticut is an at-fault (tort) state. Connecticut is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.

No-fault vs. at-fault explained

Uninsured drivers in Connecticut

The Insurance Research Council estimates 11.8% of Connecticut drivers are uninsured — 29th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 8 on the road. Connecticut requires uninsured motorist coverage, which pays your injury costs when the at-fault driver has no insurance.

SR-22 requirements in Connecticut

Drivers who must prove financial responsibility after a DUI, an uninsured crash or a serious violation file proof of insurance through their insurer. Confirm the exact form and how long it must be kept with the Connecticut Insurance Department or your state motor vehicle agency.

By our model, a driver in their 30s with a DUI would pay about $1,340 a year for minimum coverage in Connecticut, versus $710 with a clean record. What is SR-22 insurance?

Car insurance by city in Connecticut

We cover 8 Connecticut cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in New Britain ($1,760) and the highest in Bridgeport ($1,960).

Estimated cost by driver profile in Connecticut

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Connecticut.

By coverage level

Cheapest and most expensive cars to insure in Connecticut

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,315 a year here.

Cheap car insurance in Connecticut: how to lower your rate

• Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $90 a year on a typical Connecticut full-coverage policy.
• Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,390 to $1,030.
• Drive less, pay less. Low-mileage and usage-based programs can save around $115 a year if you drive under 7,500 miles.
• Protect your record. A single speeding ticket adds roughly $370 a year in our model; an at-fault accident adds much more.
• Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
• Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: Connecticut Insurance Department

The Connecticut Insurance Department licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website

portal.ct.gov

File a complaint

Consumer complaint page

Consumer helpline

1-800-203-3447

Homeowners insurance in Connecticut →

Connecticut vs. neighboring states