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Connecticut Car Insurance


Car insurance rates in traffic-clogged Hartford are nearly twice as expensive as those found in more rural areas of Connecticut. No matter where you live, you'll find some insurance companies charge way more than others. You can get an idea of how state car insurance rates compare in nearly every Connecticut ZIP code below.

Connecticut Car Insurance Requirements
Average Car Insurance Rates in Connecticut
Connecticut Car Insurance Laws
Car Insurance Companies in Connecticut
Evasion of Responsibility

Connecticut car insurance requirements

Connecticut state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $20,000/$40,000
Minimum property damage liability $10,000
Uninsured/underinsured motorist bodily injury $20,000/$40,000

What you need to know about car insurance in Connecticut

Penny Gusner
Consumer Analyst

Connecticut Car Insurance Laws

Minimum requirements

Connecticut requires car owners to buy liability insurance of only $20,000 per person and $40,000 per accident for bodily injury liability and $10,000 for property damage liability. Those limits are a bit lower than average, so if you have personal assets to protect, home and savings, higher limits might be worth the extra premium you pay.

Uninsured/underinsured coverage

Uninsured and underinsured motorist bodily injury coverage is bundled together in Connecticut and required as part of a basic auto insurance policy. Connecticut auto insurance providers must also offer you underinsured motorist conversion coverage.

Normally, underinsured motorist bodily injury coverage (UIM) is reduced by any payment for your injuries you get from other sources, including the at-fault driver's insurance company. If you choose to pay for conversion coverage, you are eligible to receive the entire amount of your own coverage.

Online DMV appointments

Skip the lines at the DMV. Connecticut offers online driver's license testing appointments and payments.

Points for speeding

Speeding is a one-point offense on your Connecticut motor vehicle record, but driving too slowly -- impeding traffic -- is two points.


Connecticut state law permits parts that are not original equipment manufacturer (OEM) to be used for the repair of your vehicle. Recycled (used, reconditioned or salvage) parts can also be used. However, you must be notified in the repair estimate. If you want OEM parts used instead, you normally must pay the difference of what the insurer will pay and what the OEM part costs.

Total loss

If a Connecticut auto insurance company's repair estimate equals or exceeds the fair market value of your vehicle, it should be considered a total loss according to state law. But some insurers may decide to total a vehicle at a lower percentage of damage, such as 75 percent.

Driving an unregistered car

The fine for driving an unregistered car in Connecticut is around $150 on top of administrative costs, court costs and other fees. Car insurance rates should not go up as a result of the violation, however.

Uninsured motorist penalties

You may be fined $100 to $1,000, be sentenced to 90 days in jail and your license and registration may be suspended for driving without insurance.

Complaint tickets

Some basic traffic violations, such as speeding or running a stop sign, are termed complaint tickets in Connecticut. Complaint tickets will result in a fine, but they won't add points to your driver's license. Your insurance rates may be affected still -- some companies consider your infraction when you renew or change insurance.

Car insurance companies in Connecticut

These are the 10 largest car insurance companies in Connecticut by market share:

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 Berkshire Hathaway Insurance 388,347 15.39
2 Allstate Insurance Group 308,758 12.24
3 Liberty Mutual Insurance Companies 300,905 11.92
4 Progressive Insurance Group 196,644 7.79
5 Travelers Group 152,873 6.06
6 State Farm Group 124,944 4.95
7 Nationwide Group 123,243 4.88
8 MetLife Personal Lines Group 109,383 4.33
9 Hartford Insurance Group 106,733 4.23
10 Amica Mutual Group 100,762 3.99
Source: A.M. Best market share rankings are based on direct premiums written in 2013.

Car Insurance in Connecticut Cities