Connecticut Car Insurance FAQ - Quick Answers

The annual average cost of car insurance in Connecticut is $1,690, which is much more than the national average of $1,311 per year. For exact pricing, you'll need to obtain quotes from a qualified professional.

You'll be required to carry the state minimum limits in Connecticut, and you can include any optional coverages as well. The most common coverage choices for car insurance are:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for damage to your vehicle when struck by an unavoidable object or animal.
  • Collision: Pays for damage to your vehicle when in an accident with another vehicle or property.
  • Roadside assistance: Pays for a tow or tire change when stranded.
  • Rental car: Pays for a replacement car while yours is repaired due to a covered claim.
  • Gap: Pays for the difference between your loan and the market value of your vehicle when a loss occurs.

In Connecticut, the driver who causes the accident is responsible for covering any resulting damage and medical costs. You're required by law to carry the state minimum limits of liability at $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability.

In Connecticut, 9.4% of drivers on the roads are uninsured. This puts you and your family at risk, but uninsured motorist coverage can help pay for a loss that involves a driver without insurance.

When searching for the perfect auto insurance carrier in the area, consider the ones everybody trusts. In Connecticut, Progressive, State Auto, Travelers, and Safeco insurance companies are among the best. All of them are known for superior claims reporting and broad coverage offerings.

Yes, Connecticut currently has 278 independent insurance agencies in existence. They are ready to shop your auto insurance with a network of top-rated carriers for free. 

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Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
New Britain20.62.5$1,758
New Haven23.25.5$1,779
West Hartford22.41.3$1,604