Cheap Connecticut car insurance
Whether you're a seasoned driver or new to the state, understanding Connecticut state insurance requirements can help you make informed decisions about your car insurance coverage.
We’ve gathered everything you need to know about car insurance in Connecticut, from minimum coverage requirements to optional add-ons and discounts. Read on to find the right policy for you and stay protected on the road.
How much is car insurance in Connecticut?
The cost of car insurance in Connecticut can vary based on several factors, including your:
Age
Driving record
Vehicle
ZIP code
On average, Connecticut drivers' average annual insurance costs* are:
$225 per month for "full coverage" insurance
$98 per month for minimum coverage insurance
We offer flexible payment options—plus, you can choose policy terms of six months to one year, giving you the flexibility to choose an affordable car insurance plan that fits your budget and lifestyle.
What are Connecticut state insurance requirements?
To legally operate a vehicle in Connecticut, all drivers are required to meet or exceed minimum car insurance coverage limits. These requirements are in place to help ensure drivers are financially protected in the event of an accident.
Bodily injury liability insurance in Connecticut
Bodily injury liability insurance can help cover the costs of another person’s injury-related expenses if you’re at fault in an accident that injures them. In Connecticut, drivers must carry at least:
$25,000 per person
$50,000 per accident
Property damage liability insurance in Connecticut
Property damage liability insurance can help cover the costs of repairing or replacing another person's property if you're found at fault in a covered accident. This can include damage to another vehicle, a fence, a building, or other property. Connecticut law requires drivers to carry at least:
$25,000 per accident
Uninsured/underinsured motorist bodily injury coverage in Connecticut
Uninsured/underinsured motorist (UM/UIM) bodily injury coverage can help cover your medical expenses and related costs, like lost wages, if you're involved in an accident with an at-fault driver who is uninsured or who doesn't have sufficient insurance. It can also help cover you in the event of a hit and run.
You can select either standard UM/UIM coverage or conversion UM/UIM coverage. Standard coverage allows you to recover damages up to the limit of your policy, which includes damages paid by the at-fault driver’s insurance company. Conversion coverage allows you to recover damages on top of what you are awarded from the at-fault driver’s insurance.
In Connecticut, drivers must carry at least:
$25,000 per person
$50,000 per accident
Request a free auto insurance quote.
Optional car insurance coverages in Connecticut
While Connecticut law mandates certain coverages, you have the option to add extra protections to your policy. These optional coverages can help provide additional peace of mind and financial security beyond the required coverages. Here are a few of the most popular options:
Collision coverage in Connecticut
Collision coverage can help cover the costs of repairing your vehicle if it's damaged in a covered accident, regardless of who was at fault. This coverage is particularly valuable if you drive a newer or more expensive car, as it can help protect you from significant out-of-pocket expenses.
Comprehensive coverage in Connecticut
Comprehensive coverage can help cover the costs of damage to your vehicle caused by non-collision events, such as theft, vandalism, certain weather events, or hitting an animal.
Medical payments coverage in Connecticut
Medical payments coverage—often referred to as MedPay—can help cover medical expenses for you and your passengers after an accident, regardless of fault. It can work in conjunction with your health insurance to help with deductibles and co-pays.
More optional coverages in Connecticut
Full glass
Special equipment
Lienholder deductible
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SR22 insurance in Connecticut
SR22 insurance isn't a type of insurance, but rather a certificate that proves you meet Connecticut state insurance requirements. It's often required for drivers who've had their license suspended due to serious driving offenses like DUIs, multiple traffic violations, driving with a suspended license, or driving without insurance.
We can help you file an SR22 with no additional fee, making the process straightforward and hassle-free. Plus, we send submitted forms to the state at the end of each day, getting you back on the road as fast as possible.
Car insurance discounts in Connecticut
Finding affordable coverage in Connecticut is easier when you take advantage of available car insurance discounts. You could qualify for several discounts that can help lower your premiums, including:
Multi-vehicle
Homeowners
Prior insurance/Transfer
Paid in full
Advanced quote
Who has the cheapest car insurance in Connecticut?
It depends. Start by comparing quotes from multiple providers. Price comparison is essential, as rates can vary significantly based on your personal driving history, coverage requirements, and even your location within the state.
Remember, the cheapest policy isn't always the best one. Consider factors like coverage limits, deductibles, customer service availability, and policy flexibility when choosing a provider.
Need more than Connecticut car insurance?
While car insurance is a must, Connecticut drivers may need additional resources and information to stay safe and compliant while on the road.
Driver requirements and laws
Connecticut has specific laws that all drivers must follow, including seatbelt use, speed limits, and distracted driving regulations. Staying informed about these requirements can help you avoid fines and keep your driving record clean.
To learn more about Connecticut's driving laws, check out the Connecticut Drivers Manual.
Driver resources
Sometimes, you may need to reach out to state agencies for more information or assistance. Here are some key resources for Connecticut drivers:
Connecticut Department of Transportation
The Connecticut Department of Transportation (CDOT) is responsible for maintaining and improving the state's transportation infrastructure. Drivers can contact the DOT for information on road conditions, construction projects, and transportation planning. Contact CDOT online or call 860-594-2560 for assistance.
Connecticut Division of Motor Vehicles
The Connecticut Department of Motor Vehicles (CDMV) handles driver licensing, vehicle registration, and title services. Whether you're a new resident or a long-time driver, the DMV is your go-to resource for all things related to vehicle ownership and operation. You can contact the CDMV online, visit a local branch for in-person assistance, or call toll-free 800-842-8222.
Connecticut Insurance Department
The Connecticut Insurance Department regulates the insurance industry in the state, ensuring residents like you are treated fairly and that insurance companies comply with state laws. If you have questions about your car insurance policy or need to file a complaint, the Department of Insurance can help. Contact the Connecticut Department of Insurance online or call toll-free 800-203-3447 for more information.
Get your Connecticut car insurance up to speed
Ready to take the next step to getting the right car insurance for you in Connecticut? Reach out to us at Dairyland today. We can help you navigate your options, understand Connecticut’s state insurance requirements, and build a policy that gives you the protection you want at a price that works for your budget.
Dairyland® brand property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit the Underwriting Company page.
*Data accuracy is subject to this article’s publication date.
