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Connecticut Car Insurance Rates

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 every Connecticut ZIP code below.

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

Connecticut Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Connecticut
  • 06106: $2,166
  • 06105: $2,166
  • 06112: $2,166
  • 06114: $2,166
Cheapest Neighborhoods
In Connecticut
  • 06498: $1,145
  • 06066: $1,165
  • 06355: $1,196
  • 06379: $1,196

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What you need to know about car insurance in Connecticut

Penny Gusner
Consumer Analyst

Connecticut requires car owners to buy limits 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 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.

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

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

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

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