Updated: December 10, 2024
Advertising & Editorial Disclosure
Connecticut's minimum car insurance requirements mandate at least $25,000 per person, $50,000 per accident for bodily injury liability and $25,000 for property damage liability. Connecticut is an at-fault state, meaning the driver who causes the accident pays for the damage.
The monthly cost of minimum coverage averages $85. To find the cheapest car insurance in Connecticut, compare different insurers for affordable options.
Why Trust MoneyGeek? We analyzed data from Quadrant Information Services and the Connecticut Department of Insurance to provide the most accurate cost data for various Connecticut drivers.
These rates reflect the cost of minimum coverage car insurance requirements in Connecticut as of December 2024.
In Connecticut, the minimum auto insurance coverage required for drivers to operate a vehicle legally includes:
In Connecticut, a fault state, the person responsible for an accident must cover the damage. This impacts your premium since insurers consider your chance of being at fault when setting policy costs. Coverage above the state minimum can offer better financial protection after an accident.
Connecticut doesn't mandate collision and comprehensive coverages as part of its state minimum auto insurance requirements. However, if you finance or lease a vehicle, the lender or leasing company will typically require you to carry both collision and comprehensive insurance to protect your investment. In Connecticut, you'll need collision and/or comprehensive coverage if your vehicle is financed or leased.
What Liability Insurance Covers | What Liability Insurance Doesn't Cover |
|---|---|
Injuries to others if you're at fault in an accident | Your injuries |
Damage to another person’s property if you're at fault in an accident | Damage to your car |
Some coverage for injuries caused by uninsured/underinsured drivers, depending on your policy | Repairs for weather-related accidents or if you were hit by an animal |
Property damage caused by uninsured/underinsured drivers unless additional coverage is purchased |
The table reflects Connecticut's minimum car insurance requirements, covering bodily injury and property damage. Remember, individual policy terms determine specific coverage details.
Several factors affect the cost of minimum coverage car insurance, with age being a major one. In Connecticut, drivers aged 22 to 29 typically face higher premiums due to increased accident risk.
The table below shows Connecticut's average minimum coverage cost per age group, highlighting how age impacts rates.
| 22-29 | $1,291 | $108 |
| 30-59 | $1,014 | $85 |
| 60 + | $1,069 | $89 |
Connecticut drivers seeking affordable minimum coverage may consider these options:
While saving on minimum coverage is important, choose the best car insurance in Connecticut that meets your needs.
| GEICO | $435 | $36 |
| Kemper | $606 | $50 |
| Amica Mutual | $845 | $70 |
| State Farm | $862 | $72 |
| Nationwide | $865 | $72 |
| Allstate | $1,036 | $86 |
| Progressive | $1,172 | $98 |
| Hanover | $2,292 | $191 |
In Connecticut, you can have optional add-on coverages such as comprehensive, collision, uninsured/underinsured motorist coverage, rental reimbursement and roadside assistance. These protect against various incidents that go beyond basic liability claims. For instance, comprehensive covers non-collision damage, including theft and natural disasters. To assess how much car insurance you need, consider the value of your vehicle, driving habits and potential out-of-pocket expenses.
Add-On Coverage | What It Covers | What It Doesn't Cover |
|---|---|---|
Uninsured/Underinsured motorist coverage | Medical expenses, lost wages and repair costs if you're hit by a driver with no or insufficient insurance | Damage to your vehicle if you're at fault or damage that exceeds policy limits |
Personal injury protection (PIP) | Medical expenses, lost income and funeral costs for you or your passengers regardless of who's at fault | Vehicle damage or injuries to the other driver |
Roadside assistance | Services like towing, flat tire changes and jump-starts when your car breaks down | Cost of parts or repairs needed after the tow |
Gap insurance | Pays the difference between your car's current value and what you still owe if it's totaled or stolen | Vehicle depreciation or overdue loan payments |
Rental car reimbursement | The cost of a rental car while your vehicle is being repaired after a covered event | Fuel, insurance or other rental extras |
Collision coverage | Repairs to your car after an accident, regardless of fault | Damage due to theft, vandalism or natural disasters |
Comprehensive coverage | Repairs to non-collision damage from events like theft, fire or hail | Damage from a collision or personal injuries |
Towing and labor coverage | Towing and basic roadside-assistance labor costs at the site of your vehicle's breakdown | More extensive repairs needed at a garage |
Custom parts and equipment coverage | Safeguards aftermarket enhancements like custom wheels or stereo systems | Original parts that came with your vehicle |
Accidental death coverage | Offers a payout if you or a passenger dies or experiences certain injuries in a car accident | Non-accidental death or injuries |
Classic car insurance | Agreed-upon values for your unique vehicle, tailored for vintage or collector cars | Regular use like your daily commute |
The cost of a ticket for driving without insurance in Connecticut depends on whether it's your first time or if you've been caught before. For the first offense, drivers face fines and possible license suspension. Repeat offenders can expect harsher penalties, including higher fines and longer suspensions.
Driving without minimum coverage auto insurance risks financial penalties and compromises your legal standing. Adhere to Connecticut's insurance laws to avoid these consequences.
If your car insurance policy is canceled in Connecticut, immediately seek new coverage to avoid driving uninsured. Contact your insurance agent or shop around for a new policy. It's illegal to drive without insurance in Connecticut.
Once your coverage lapses, your previous insurer will notify the Connecticut Department of Motor Vehicles (DMV) through the state's electronic insurance verification system. The DMV maintains a record of your insurance status; failure to secure new insurance could result in fines and vehicle registration suspension.
To ensure continuous coverage, consider different insurance providers or look into the Connecticut Automobile Insurance Assigned Risk Plan — it helps high-risk drivers get minimum coverage. Driving in Connecticut without at least state minimum car insurance is against the law.
Your car insurance policy in Connecticut may have been canceled for several reasons:
Maintain a clean driving record and pay your premiums to keep your coverage active.
We answered common questions about minimum coverage in Connecticut to help you understand the insurance needed to comply with state laws.
The minimum car insurance coverage in Connecticut requires bodily injury liability of $25,000 per person and $50,000 per accident, as well as property damage liability of $25,000 per accident. Uninsured/underinsured motorist coverage is also mandatory, with minimum limits equal to the bodily injury liability of $25,000 per person and $50,000 per accident.
Connecticut requires minimum coverage auto insurance to ensure drivers can cover the costs of damage or injuries they cause in an accident. This rule protects the at-fault driver from high out-of-pocket expenses and other parties from losses caused by uninsured motorists.
In Connecticut, comprehensive insurance isn't required by law, but it's highly recommended. This coverage protects against non-collision damage to your vehicle, such as theft, fire or weather-related issues. If your vehicle is financed or leased, lenders typically require comprehensive coverage.
Driving uninsured in Connecticut can result in severe penalties. You might face a fine of $100 to $1,000 for a first offense and a one-month license suspension. Subsequent offenses lead to harsher consequences. You’ll need proof of minimum coverage auto insurance and a $175 reinstatement fee to reinstate your license. Maintaining insurance is essential to avoid these legal and financial issues.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
