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. 

Do You Know What Your Connecticut Car Insurance Covers?

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
Bridgeport28.34.3$1,744
Bristol24.71.8$1,615
Danbury28.61.3$1,624
Greenwich29.10.9$1,669
Hartford22.74.4$1,781
Manchester22.31.7$1,615
Meriden23.02.1$1,587
New Britain20.62.5$1,758
New Haven23.25.5$1,779
Norwalk28.01.4$1,607
Stamford28.21.2$1,691
Waterbury25.45.0$1,906
West Hartford22.41.3$1,604

Bodily Injury Requirements in Connecticut

Each state has specific guidelines when it comes to your auto insurance. In Connecticut, you're required to carry the minimum bodily injury liability limits of $25,000 per person and $50,000 per accident.

Bodily injury liability insurance helps pay for the other party's medical expenses when you're the one at fault for a car accident. In order to have enough protection and not have to pay out of pocket, you'll want to review your coverage amounts.

Property Damage Requirements in Connecticut

Property damage liability is required in Connecticut and in most other states. You'll need to obtain a limit of $25,000 in order to meet local laws. 

The majority of insureds opt for a more robust policy that has increased limits of protection so that they're fully covered. The state minimum requirements are not usually enough defense in a more substantial claim.

Personal Injury Protection Requirements in Connecticut

When you're shopping for auto insurance, personal injury protection is not required by state law. However, you'll want some coverage for medical expenses that you incur due to an at-fault accident. 

Medical payments coverage can be added to your car insurance policy for an additional premium. If you sustain injuries from an accident that you're responsible for, this coverage will foot the bill.

Uninsured Motorist Coverage in Connecticut

In Connecticut, uninsured motorist coverage is required by law and necessary for proper protection. In this state, 9.4% of drivers are without insurance. This puts you and your family at risk when you're on the road.

Uninsured motorist insurance will cover any of your damage or injuries when you're involved in an accident with an uninsured driver. Even though uninsured motorist coverage is mandatory, not everyone follows the rules. To have the right coverage, review your policy with an adviser.

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Optional Car Coverage in Connecticut

When you're shopping for car insurance, Connecticut policies will come with several optional coverages. If you want full coverage, then collision insurance and comprehensive insurance will help pay for damage to your vehicle and should be included in addition to your liability protection.

Another option is gap insurance, which helps pay for the difference between your loan amount and the market value of a new auto. And don't forget about roadside assistance for when you're stranded, or rental car coverage to temporarily replace your vehicle. 

Car Insurance Discounts in Connecticut

In Connecticut, you'll have the opportunity to qualify for certain auto coverage discounts. The largest is a multiple policy discount on insurance. If you have more than one policy with a carrier, they reward you with savings of 30% or more. 

Other discounts come when you're a member of an association, or if you have been loyal to the same carrier for a specific number of years. Each insurance company is different, so discuss your ways to save with a licensed professional.

How to File a Car Insurance Claim in Connecticut

When you're looking to file a car insurance claim in Connecticut, it can be a challenge to understand what comes next. Fortunately, with the right adviser and 4 easy steps, you'll be able to handle a claim with ease.

The first thing you'll want to do is make sure that everyone is safe and any injuries are tended to. Second, contact your independent insurance agent to file a claim. Third, collect your claims number for reference and get a rental car if necessary. Finally, connect with your adjuster to finalize your claim payment.