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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. Car insurance rate comparison >
Top Cities
Priciest Neighborhoods
In Connecticut
  • 06525: $2,291
  • 06106: $2,019
  • 06105: $2,019
  • 06110: $2,019
Cheapest Neighborhoods
In Connecticut
  • 06498: $1,341
  • 06417: $1,341
  • 06426: $1,348
  • 06475: $1,348

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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.

Uninsured motorist penalties for Connecticut: You may be fined $100 to $1,000, be sentenced to 90 days in jail and your license and registration may be suspended.

Largest car insurance companies for 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.
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