McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Yes, you do need car insurance in Connecticut. Drivers in Connecticut need at least bodily injury liability,property damage liability, and uninsured/underinsured motorist insurance for a minimum coverage policy, and it's a good idea to also consider optional types of coverage to ensure you're fully protected in the event of an accident.
Car insurance in Connecticut costs an average of $194 per month for a minimum coverage policy and an average of $454 per month for full coverage.
Types of Car Insurance Required in Connecticut
- Bodily injury liability insurance of at least $25,000 per person and $50,000 per accident. Bodily injury liability insurance pays for the medical expenses of other drivers in accidents you cause. It can cover things like hospital fees, loss of income, pain and suffering, and funeral costs.
- Property damage liability of at least $25,000. Property damage liability insurance pays for other drivers' property damage in accidents you cause. It can cover things like vehicle repairs or damage to stationary objects like houses or fences.
- Uninsured motorist insurance of at least $25,000 bodily injury per person and $50,000 bodily injury per accident. Uninsured motorist coverage pays for your expenses after an accident caused by a driver who doesn't have any car insurance.
Monthly Cost of Car Insurance in Connecticut
Company | Average Premium |
$75 per month | |
$86 per month | |
$102 per month | |
$117 per month | |
$129 per month |
Premiums are representative of a 45-year-old good driver with a minimum coverage policy.
Connecticut is similar to the majority of states in that it requires all drivers to have at least a certain amount of car insurance. Virginia and New Hampshire, on the other hand, are the only states that do not require drivers to carry traditional auto insurance.
To learn more, check out WalletHub's guides to how much insurance you need and the penalties for driving without insurance.
People also ask
What are the minimum liability car insurance requirements do I need in Connecticut?
The minimum liability car insurance requirements in Connecticut are $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $25,000 in property damage liability insurance. These requirements can also be written as 25/50/25.
Liability insurance pays for others' medical expenses and property damage after an accident you were responsible for. In addition, drivers in Connecticut will need to purchase $25,000 per person and $50,000 per accident each in uninsured/underinsured motorist coverage to satisfy the state's minimum car insurance requirements.
Types...
read full answerHow much is car insurance in Connecticut per month?
Car insurance in Connecticut costs $90 per month or $1,086 per year for minimum coverage, on average. The cheapest car insurance companies in Connecticut are Geico, USAA, and State Farm, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Connecticut is 62% higher than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Connecticut,...
read full answerWhat is full coverage insurance in Connecticut?
Full coverage insurance in Connecticut is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $25,000 in property damage coverage. Full coverage in Connecticut also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $2,453 per year in Connecticut, while a state minimum policy costs $1,086 per year.
If you can’t afford to repair or...
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