Connecticut Car Insurance

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Here's what you need to know...
  • The type of car you drive will affect your insurance rates substantially
  • In Connecticut, liability coverage is the only requirement
  • If you have a newer car, you may want to include comprehensive coverage in your policy

Are you looking for the best Connecticut car insurance rates? When most people think about buying a car, one of the most important things they fail to consider is how much it will cost to insure.

Age, make, model, color, and previous damage to the vehicle all have the potential to affect the monthly and yearly cost of your car insurance.

Before purchasing Connecticut car insurance, it’s important to understand the state requirements and what they mean in case you’re ever in an accident.

Read this Connecticut auto insurance guide and then be sure to enter your zip code above for a free car insurance quote comparison!

Connecticut Car Insurance Requirements

A binder labeled "requirements".

Any vehicle that you’re going to register in Connecticut must carry liability insurance.

Although liability coverage will not reimburse you for any damages your vehicle incurs during an accident that is deemed to be your fault, it will protect you — up to a certain point — from having to pay for damages that the other driver incurs.

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Because of the high cost of both medical care and car repairs these days, many people choose to purchase more than just liability coverage, but in the state of Connecticut, that’s all that is required to operate your car legally on the highways and roads.

Minimum Levels for Connecticut Car Insurance

Depending on your budget, it can be important to know the cheapest insurance policy you can purchase to make it legal to drive your car. The minimums for a liability policy in Connecticut are:

  • $20,000 for injuries suffered by a single motorist in an accident for which you, the insured, were deemed to be responsible
  • $40,000 for the total medical expenses of the vehicle’s occupants (if applicable)
  • $10,000 for damage to any other property

Considering a More Robust Auto Insurance Policy


While Connecticut car insurance is often viewed as a costly expense for car owners, it can prevent you from costly court proceedings and repairs to your vehicle out of your own pocket.

If you have the budget for additional coverage, there are some other types of insurance that can help you keep the cost of an accident to a minimum:

  1. Comprehensive and collision insurance, which covers damages incurred by the vehicle of the driver deemed responsible for the wreck. Those without comprehensive and collision insurance will be required to pay for all of their own repairs.
  2. Gap insurance, which covers the difference between the value of your vehicle and the amount that you owe on the loan.
  3. Uninsured motorist’s insurance, which covers the cost of damages in the event that you are involved in a wreck with a person who is not carrying liability insurance.

When considering auto insurance, the most important thing is to take your time and compare prices from multiple providers to ensure you are getting the best deal.

Get started now! Just enter your zip code below for quotes from multiple companies in your area!

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