Connecticut Car Insurance

What You Need to Know About Buying Connecticut Car Insurance in 2017

One moniker for the state of Connecticut is The Land of Steady Habits. As a very densely populated state, CT has many drivers and vehicles in a fairly small area. If you’re a Connecticut driver, some of the best steady habits you can adopt are safe driving practices and good car insurance.

Do you need to review Connecticut auto insurance quotes? If so, an independent Trusted Choice® member agent can help you compare car insurance policies from several different insurance companies and choose the right policy for your needs and budget. Find a local member agent today.

Connecticut Car Insurance Costs

  • National average cost per year: $1,474
  • Connecticut average cost per year: $1,638
  • The 13th most expensive premiums in the US

While these numbers can give you a general idea of the amount you’ll pay for car insurance, your actual rates may be significantly different. Remember, these averages take into account good drivers, those with DUIs and everything in between. Generally speaking, car insurance rates in this state are high, but if you have an excellent driving record and you don't drive the latest Porsche, you can find attractive rates.

To find out how much you’ll pay for car insurance in Connecticut, contact a Trusted Choice member agent. Your agent will help you evaluate your needs and make a good decision based on your risk factors and budget.

Connecticut Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP) : Not required
  • Uninsured motorist: required
  • Minimum Liability Limits: 20/40/10
    • Coverage up to $40,000 for all persons injured in an accident, subject to a limit of $20,000 for one individual, and $10,000 coverage for property damage.

Every state has requirements for minimum car insurance that every driver must carry. Note that personal injury protection (PIP) is not legally required in Connecticut. That said, you and your agent may decide that carrying extra coverage is a smart choice. Make sure to discuss your needs with an experienced insurance professional.

Connecticut Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Connecticut uninsured motorists: 8%
  • Connecticut average vehicle repair cost: $2,854

Uninsured motorist coverage is required in Connecticut. If you don’t purchase the required car insurance and cause an accident, you’re still liable for all injuries and damages. Driving without proper insurance is considered a Class C Misdemeanor in Connecticut. Penalties could include fines, jail time, and loss of a license or vehicle registration. If your car is struck by an uninsured driver, this coverage will help; it is often difficult if not impossible to get payment from such drivers after the fact.

Thefts in Connecticut

  • National car theft rate (per 1,000 registered vehicles): 2.94
  • Connecticut theft rate (per 1,000 registered vehicles): 2.96

Car theft is another risk you should consider when you think about your insurance coverage. The risk of car theft in Connecticut is close to the national rate, so it's always a good idea to consider comprehensive insurance (or "other than collision").

Most new cars have electronic theft protection in one form or another so they are harder to steal than older vehicles. However, certain car makes and models are more popular with thieves than others, and certain neighborhoods might be more prone to car theft than others. To protect your investment in your auto, make sure you carry the proper coverage on your Connecticut car insurance policy.

Get Help Purchasing Connecticut Car Insurance

It can be time-consuming to gather quotes from multiple insurance companies, and many people simply go with the first quote they receivd to avoid the hassle. If you do so, however, you may not access all of the potential savings and discounts available to you.

A local independent agent in the Trusted Choice network can compare quotes from several companies and help you select the right policy for your needs and budget. Find a member agent today to compare multiple Connecticut auto insurance quotes and find the right policy for you.

Now, who's ready to get their insurance problems solved?