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.
What you need to know about car insurance in Connecticut
Penny Gusner CarInsurance.com Consumer Analyst
Connecticut Car Insurance Laws
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.
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.
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 $1,000, be sentenced to 90 days in jail and your license and registration may be suspended for driving without insurance.
Some basic traffic violations, such as speeding or running a stop sign, are termed complaint tickets in Connecticut. Complaint tickets will result in a fine, but they won't add points to your driver's license. Your insurance rates may be affected still -- some companies consider your infraction when you renew or change insurance.
Car insurance companies in Connecticut
These are the 10 largest car insurance companies in Connecticut by market share:
Company / Group
Direct Premiums Written ($)
Market Share (%)
Berkshire Hathaway Insurance
Allstate Insurance Group
Liberty Mutual Insurance Companies
Progressive Insurance Group
State Farm Group
MetLife Personal Lines Group
Hartford Insurance Group
Amica Mutual Group
Source: A.M. Best market share rankings are based on direct premiums written in 2013.