Popular QuestionsPopular Questions about Car Insurance in Connecticut

How much does Connecticut car insurance cost? $1,690/yr

On average, Connecticut drivers pay $1,690 a year for their car insurance coverage. This is significantly higher than the national average cost of $1,311 a year. Comparison shopping has the potential to save you hundreds of dollars a year.

Independent insurance agents can help by getting customized quotes from multiple top-rated insurance companies on your behalf. That way, you can quickly and easily compare rates from competing providers so that you can be sure you are getting your coverage at a great price. 

What can Connecticut car insurance do for me?

Accidents can happen in the blink of an eye. If you are involved in a crash, here are a few of the ways that your Connecticut auto insurance may be able to help...

Pay to Fix Your Car

  • This is covered by collision and comprehensive insurance.
  • Comprehensive insurance covers non-collision damage, and collision insurance covers collision-related damage, regardless of fault.
  • Comprehensive and collision insurance are optional in CT.
  • Comprehensive and collision coverage are not required by the state but are typically required by lenders while you are still paying for your car and by dealerships if you are leasing it. 

Pay to Fix Someone Else's Car

  • This is called property damage liability insurance.
  • This insurance provides coverage if someone else’s property is damaged or destroyed in a collision for which you are at fault.
  • Property damage liability insurance is required in CT.
  • Connecticut state law requires your policy to include a minimum of $25,000 in property damage liability coverage.

Pay Someone Else's Medical Bills

  • This is covered by bodily injury liability insurance.
  • This insurance provides coverage for medical treatment for other people if you are responsible for a collision in which they are injured.
  • Bodily injury liability insurance is required in CT.
  • Connecticut state law requires your policy to include at least $25,000 per person / $50,000 per accident in bodily injury liability coverage.

Pay Your Medical Bills If the Accident Is Caused by an Uninsured Driver

  • This is covered by uninsured motorist insurance.
  • This insurance covers medical bills and lost wages for you and members of your household if you are injured in a collision caused by an uninsured or underinsured driver.
  • Uninsured motorist insurance is required in CT.
  • Your policy must include at least $25,000 per person / $50,000 per accident in uninsured motorist insurance.

Pay Your Own Medical Bills If the Accident Is Your Fault

  • This is covered by personal injury protection insurance
  • This insurance covers your own medical bills, lost wages, and (in the worst case) funeral expenses, if you or someone in your household are injured in a collision, regardless of fault.
  • Medical payments insurance is optional in CT.
  • This coverage used to be required but became optional in 1994 when Connecticut switched from a no-fault to an at-fault state for auto insurance coverage.

… and More!

In addition to this coverage, auto insurance companies will typically offer other optional coverage such as:

  • Gap insurance
  • Full glass coverage
  • Towing and roadside assistance coverage
  • Rental car reimbursement
  • Umbrella insurance

Talk to a local independent insurance agent to learn more.

Who pays if the accident wasn’t my fault?

Connecticut is what is referred to as an at-fault (or “tort”) state.

This means that the driver who causes the accident is responsible for covering any resulting damage and medical costs.

How many Connecticut drivers are uninsured? 9.4%

Driving without insurance is illegal in Connecticut. If caught, you will be charged with a Class C misdemeanor and can face penalties of:

  • Fines ranging from $500 to $1,000
  • Up to 3 months in jail
  • The suspension of your license and registration
  • A $175 restoration fee

Despite these penalties, nearly one in ten drivers who are sharing the roadways with you in this state is driving without insurance.

This is why uninsured/underinsured motorist insurance, which is required in Connecticut, is so important. Without this coverage, if an uninsured driver caused you injuries in a collision, it could be extremely difficult, if not impossible, to collect the funds necessary to pay for your medical treatment.

Uninsured motorist insurance ensures that you will have the coverage necessary when you need it. Your insurance company will then take on the difficult task of trying to collect the funds owed by the at-fault driver, and will absorb the costs if unsuccessful.

What is the best car insurance company in Connecticut?

There is no single insurance company that is the best choice for every driver. The company that may offer the most value to you is not necessarily the same company that is ideal for your best friend or your next-door neighbor.

Independent agents understand this. That is why they compare policies and rates from a variety of highly rated insurance companies in order to find you the policy that is best suited to your coverage and budgetary needs.

Are there any independent insurance agents in Connecticut?

Yes! There are currently 278 independent insurance agents in Connecticut who are ready to help.

A local independent agent can work with several different insurance providers to help find a great car insurance policy at a competitive rate. Find an agent near you to learn more.

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost:  $1,311 / year
  • National average car thefts per 1,000 vehicles:  2.29
  • National average time spent commuting:  25.4 min
CityAvg. Commute Time (Min)Theft Rate per 1,000 VehiclesAvg. Insurance Cost (Yearly)
New Britain18.85.77$1,758
New Haven22.05.14$1,779
West Hartford21.02.19$1,604

Bridgeport, CT Car Insurance

The average monthly cost of auto insurance in Bridgeport is $145.

Because your Bridgeport car insurance rates are customized according to details about you and your vehicle, your actual monthly cost could be considerably higher or lower than this average amount. The type of vehicle(s) you own, your age and driving record, the amount of liability coverage you are including, and the size of your deductible are just some of the many factors that can influence how your quoted rates will compare to this average.

The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Bridgeport have some of the longest commute times in the state. This extra time spent getting to and from work can translate to higher costs for your auto insurance coverage. If you work from home or use public transportation, you may be able to get discounts on your premiums.

Find an insurance agent in Bridgeport to learn more about car insurance coverage as well as any policy discounts for which you may qualify.

New Haven, CT Car Insurance

The average monthly cost of car insurance in New Haven is $148.

Remember, this average only serves as a baseline. Your actual monthly cost could be higher or lower than this amount. This is because insurance companies use factors such as your age, gender, occupation, and driving record as well as details about your vehicle when calculating your personalized quote.

Whether you find yourself in a multi-vehicle collision on the Connecticut Turnpike or a fender bender in the parking lot at the local supermarket, a good car insurance policy can cover your costs. By purchasing a policy that includes collision coverage, you can be sure that damage to your own vehicle will be covered, even if the accident was your fault.

Talk to an independent agent in New Haven to learn more about how each car insurance coverage option can benefit you.

Stamford, CT Car Insurance

The average monthly cost of auto insurance in Stamford is $141.

When calculating your actual rate, insurance companies will consider several details including information about your vehicle, such as its make, model and year, and information about you, such as your age, driving record, and sometimes even your credit score. This means your monthly cost could be higher or lower than this average.

One of the most crash-prone intersections in Stamford is where Tresser Boulevard meets Washington Boulevard. However, accidents can happen just about anywhere, especially when driving conditions aren’t optimal, such as during heavy rains or in the winter when roads can be slick with ice, sleet, and snow. Whether you are sideswiped by a minivan on the Connecticut Turnpike or you cause a minor fender bender on a residential street, a solid Stamford car insurance policy can cover your costs.

Find an independent insurance agent near you to get more information and for help finding the best car insurance policy for you.

Hartford, CT Car Insurance

The average monthly cost of car insurance in Hartford is $148.

Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a number of factors such as your age, driving record, and details about the vehicle(s) you wish to insure. Let an independent insurance agent compile a variety of customized Hartford car insurance quotes so you can find the policy that offers you the the best value.

Hartford residents occasionally experience severe storms and flash flooding. When roadways and parking lots are flooded, cars can be washed away or damaged beyond repair. Fortunately, if your policy includes comprehensive coverage, your insurance company can cover the cost to repair your vehicle, or, if it is totaled, provide you with compensation in the amount of its blue book value. Gap insurance can make up the difference between what your car is worth and what you still owe for it if it has depreciated in value faster than your payments could keep up with.

Learn more about comprehensive coverage, gap insurance, and the other optional coverages available to you by speaking with one of Hartford’s experienced independent agents.

Waterbury, CT Car Insurance

The average monthly cost of car insurance in Waterbury is $159.

However, you should take this average with a grain of salt. Your monthly cost could be higher or lower than this amount because your Waterbury auto insurance rate is completely personalized according to your driving history, vehicle information, deductible amount, and other details that are specific to you and the other drivers in your household.

Can you imagine walking out of Brass Mill Center only to find that your car has been stolen? As a resident of Waterbury, where about 800 vehicles are reported stolen every year, this is a valid concern. That is why many people in this city choose to include comprehensive coverage in their auto insurance policies. In addition to covering losses related to vehicle theft, this optional coverage can pay for damage caused by other non-collision events like falling objects, floods, and garage fires.

Talk to an independent insurance agent in Waterbury for help finding a great price for car insurance.