Everything You Need to Know About Auto Insurance in Connecticut

With a population of 3.6 million residents, Connecticut is known for its blend of coastal cities and rural areas. Located in the southernmost part of the New England Region, Connecticut is known as the Constitution State.

Whether you are visiting or you live here, a day trip to Mystic Village is a must. This charming seaport contains plenty of seafaring history, as well as the infamous Mystic Pizza. Locals love to tramp around Gillette Castle, a rugged fortress with plenty of good hiking. If beaching is your family’s thing, you’ll want to get some fun in the sun at Hammonassett or Rocky Neck shorelines.

Connecticut is made up of 5,543 square miles of land. Since the population density is 742.7 people per square mile, drivers must be cautious when on the roads. Having a good auto policy will ensure that you don’t get stuck empty-handed if an accident occurs.

You can discuss your options for a top-rated carrier with an expert agent at InsureOne. Find the right auto insurance policy in Connecticut today.

How Much Does Car Insurance Cost in Connecticut

Just like every other state, Connecticut laws require that you carry the state minimum coverage. The average cost in Connecticut for minimum liability coverage is $1,070 per year. If you choose a full coverage plan, it costs about $2,604 per year. With full coverage, you are assured that in the event of an accident, you will be covered for damages no matter who is at fault.

These are average costs, and you need to discuss the specifics with an agent. Some areas in Connecticut have more expensive premiums.

The national average for a minimum liability policy is approximately $684, and $2,148 for full coverage, for comparison.

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What Does Full Coverage vs. Minimum Liability Mean?

The difference between full coverage and minimum liability is the type of damage that is covered by the policy. A minimum liability policy will cover just the damage done to the other vehicle or injuries to the passengers when you are at fault. It won’t pay for the cost of your own car or medical injuries.

A full coverage policy, on the other hand, includes collision coverage to repair your own vehicle – even if you cause the accident. It also includes comprehensive coverage, which helps pay for damages caused in events other than car accidents, such as a hailstorm.

Connecticut also requires drivers to carry uninsured motorist coverage, which helps pay for damages if you are hit by an uninsured, underinsured or a hit-and-run motorist.

Affordable Car Insurance Rates Comparison by Cities in Connecticut

Living in or around a big city can increase your rates due to more incidents of accidents. Here is a breakdown of the average monthly premiums paid in Connecticut cities.

City Full Coverage Insurance Liability Insurance Coverage
Bridgeport $207 $109
New Haven $203 $94
Stamford $156 $70
Hartford $203 $91
Waterbury $137 $68

Our average monthly premiums by city are based on the following methodology: male, age 30, lowest possible legal coverage allowed by Connecticut.

How Bundling Your Vehicle and Homeowners Insurance Can Save You Money in Connecticut?

Bundling insurance is a simple concept and process. It involves combining your home insurance and auto insurance policies together under one company. Bundling policies can save you significantly because insurers often give you a substantial discount for trusting them with more than one policy. Anything that needs to be insured may be bundled.

For example, if you have a boat to take your family fishing and swimming at Squantz Pond or Bantam Lake, you may consider adding boat insurance. Likewise, for those who love the wind in their hair, taking their motorcycle on a ride through the Northern Border run in Windham County or the more advanced Northern Appalachian Mountains ride in Litchfield County means finding the best motorcycle insurance.

In addition, bundling policies is a more efficient way to take care of your expenses. You’ll only have to pay one bill instead of two.

When you talk to an agent at InsureOne, you can obtain customized bundling packages that meet your insurance needs and fit your budget.

What Types of Auto Discounts are Available in Connecticut?

There are plenty of options for car insurance discounts in Connecticut. The best way to find out what you might be eligible for is to talk to a Connecticut insurance agent for details. However, some of the common auto premium discounts include the following:

  • Safety feature discount
  • Good driver discount
  • Good student discount
  • Customer loyalty discount
  • Driver education discount
  • No gaps in insurance coverage
  • Autopay or other billing method discounts
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Connecticut Car Insurance Laws

In Connecticut, all motorists must carry minimum liability insurance on their vehicles. The coverage limits are outlined below.

What Are the Mandatory Car Insurance Requirements in Connecticut?

Connecticut is similar to other states in the U.S. You must carry the mandated liability coverage. This coverage will help pay for damage you cause to another motorist’s vehicle. Additionally, it will pay for any bodily injuries to the other person, up to your policy limits.

When purchasing your liability coverage, you must be sure to obtain the state minimum amount for property damage and bodily injury.

In Connecticut, the required amount you must carry for each liability component is as follows:

  • $25,000 per person and $50,000 per accident for bodily injury
  • $25,000 per accident for property damage.
  • $25,000 per person and $50,000 per accident uninsured motorist coverage

What Is the Penalty for Driving without Insurance in Connecticut?

Carrying the appropriate coverage is essential for many reasons. For one, it protects you from liability in case of an accident. In addition, by complying with the state minimums, you won’t be at risk of penalties. If you do get caught driving without insurance, you will be guilty of a class C misdemeanor. This type of infraction can result in a fine of up to $500, imprisonment in jail for up to three months, or both.

What Factors Does Connecticut Law Allow in Determining Your Premiums?

Getting rates reduced requires applying for all the possible discounts you can receive. Many factors go into rate reductions in Connecticut. Some of these include the following:

  • The type of car you’re insuring (year, make, model)
  • Demographic factors, like zip code, marital status.
  • Qualifying discounts.
  • Your driving habits and record, including annual mileage.
  • Policy bundling
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Insurance That Helps You Prepare for the Future

Selecting the right policy is necessary to ensure you are protected in case of an accident. No one plans on getting into an accident, but there are approximately six million auto wrecks a year in the U.S.

An auto accident can devastate a person and their loved ones. Even when you have coverage, it can uproot your life. If you aren’t covered, many more problems may arise. You might find yourself in a civil lawsuit. Don’t delay checking your insurance rates to make sure you have the right coverage.

At InsureOne, we have expert agents on hand to guide you through finding the best auto protection that includes customizable options.

What Is Driving Like in Connecticut?

Connecticut driving can be a real problem for some residents. If you have to commute back and forth to work, you will be at higher risk of an accident. In fact, Connecticut has a stretch of highway that is considered the most congested corridor in the U.S.

Additionally, being a northern state, Connecticut sees a great deal of snowfall annually, making the roads sometimes treacherous. Having a quality auto insurance policy in place is essential to staying protected on Connecticut roads.

How Many Car Accidents Happen in Connecticut?

In 2021, there were 283 reported fatal accidents in Connecticut. The following chart shows the number of fatal crashes in various cities across the state that year.

City Fatal Crashes in 2021
Hartford 16
New Haven 23
Stamford 3
Bridgeport 6
Danbury 2

Source: U.S. Department of Transportation National Highway Traffic Safety Administration.

How Many Uninsured/Underinsured Motorists Are in Connecticut?

Driving without insurance is a problem wherever you go. Even though Connecticut mandates that motorists carry minimum liability, many drivers don’t comply. In Connecticut, approximately 12% of the drivers are uninsured. The number of drivers that are underinsured is in addition to this percentage.

Get the Best Car Insurance in Connecticut Today

InsureOne has quality agents ready to discuss a personalized auto insurance policy with you today. InsureOne offers competitive pricing because they research all the best policy options for you.

Get in touch with us online to learn more, visit us at an office near you, or call us at 800-836-2240.