What is the average cost of car insurance in Connecticut?
Connecticut drivers paid an average of $1,329 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.
What auto insurance is mandatory in Connecticut?
A car insurance policy with a minimum amount of liability coverage is required in Connecticut. However, minimum coverage may not be the full extent of coverage you want.
As of January 2023, 25/50/25 liability coverage limits are the minimum required in Connecticut.
COVERAGE TYPE
CONNECTICUT MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $50,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist bodily injury liability
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Bodily injury liability
CONNECTICUT MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
CONNECTICUT MINIMUM REQUIREMENTS
$25,000 per accident
COVERAGE TYPE
Uninsured/underinsured motorist bodily injury liability
CONNECTICUT MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
What does car insurance typically cover in Connecticut?
A typical car insurance policy in Connecticut includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Read more about Smart Plan Auto coverage options in Connecticut.
How can I lower the cost of my car insurance in Connecticut?
Choosing higher deductibles is one way you can keep your cost down. Another is bundling your car and homeowners insurance policies with the same insurer. And if you’re considering a new car, keep in mind that you can save money on your insurance by choosing certain models with strong safety records. But many things about insurance premium costs are beyond your control, including inflation, rising accident rates and soaring healthcare costs.
Connecticut car insurance discounts
Farmers offers a variety of discounts for drivers in Connecticut. For example:
- Multi-vehicle
- Multi-policy
- Youthful driver
See more information about additional discounts that may be available in Connecticut.
Mystic Seaport Museum
The Charles W. Morgan, built in 1841, is the oldest commercial wooden vessel still on the water and the last of a whaling fleet that once numbered 2,700. It’s the star of this Connecticut collection of historic boats. — Mystic Seaport Museum
More coverage options in Connecticut
Connecticut home insurance
Learn more about what home insurance in Connecticut covers, available discounts and more.
View home insurance coverage details and discounts for Connecticut
Learn From Experience
Still have questions about cars and car insurance in Connecticut? We have answers.
Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?
To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too
Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.
What Is Uninsured Motorist Coverage?
If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.
