Connecticut Car Insurance Laws
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.
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 totaled 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 $1,000, be sentenced to 90 days in jail and your license and registration may be suspended.
Some basic traffic violations, such as speeding or running a stop sign, are termed complaint tickets in Connecticut. Complaint tickets will result in a fine, but they won't add points to your driver's license. Your insurance rates may be affected still -- some companies consider your infraction when you renew or change insurance.
Car insurance companies in Connecticut
These are the 10 largest car insurance companies in Connecticut by market share:
||Company / Group
||Direct Premiums Written ($)
||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.