Connecticut Auto Insurance
Whether you’re driving through Coastal Connecticut or driving to work in the state’s capital, affordable auto insurance can help protect you, your loved ones, and your vehicle on every journey.
Take a few minutes to learn about cheap car insurance in Connecticut. Find out which coverages are mandatory, which ones are optional, and how a Direct Auto Insurance policy could be your cheap Connecticut car insurance solution. Get a free quote to see how much money you can save.
Connecticut Car Insurance Laws
Do you have to have car insurance in Connecticut?
Connecticut law requires all drivers have proof of financial responsibility, which is most commonly satisfied with a car insurance policy. Connecticut auto insurance policies must at least meet the minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Connecticut are 25/50/25, as shown below under Connecticut Minimum Car Insurance Requirements.
In addition to liability coverage, Connecticut requires drivers to carry uninsured/underinsured motorist bodily injury coverage at the same limits as their liability coverage.
Connecticut Minimum Car Insurance Requirements
Wondering what your insurance policy needs to fulfill Connecticut’s insurance requirements? Here’s a quick breakdown by coverage type.
|
Coverages |
Is It Required by Law? |
|
Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary). |
Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident. |
|
Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more. |
Yes. $25,000 property damage per accident. |
|
Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage. |
Yes. $25,000 UM/UIM bodily injury per person. $50,000 UM/UIM bodily injury per accident. |
|
Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault. |
Not required. |
|
Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault. |
Not required.1 |
|
Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal. |
Not required.1 |
IMPORTANT NOTE: While purchasing liability coverage and UM/UIM coverage ensures you meet state laws, it doesn’t fully protect you or your vehicle in every circumstance. You would need to add additional coverage, like comprehensive and collision, to protect yourself and your vehicle more fully.
1Your lender may require these coverages if you lease or finance your vehicle.
Are there additional coverage options?
For added peace of mind, there may be add-on services and other insurance products available to Connecticut drivers:
Connecticut Proof of Financial Responsibility and Penalties
What if I don't meet Connecticut minimum car insurance requirements?
Connecticut takes a strict stance on uninsured drivers. The fines and other penalties for driving without insurance vary depending on the nature of the violation.
If you’re unable to present proof of coverage when asked, you could be facing a fine, according to the Connecticut General Assembly. Failing to maintain insurance coverage can lead to a fine and suspension of your license and registration. Vehicle owners who operate or permit their vehicles to be operated without proper coverage can face severe fines and charges.
Penalties for Driving with a Suspended License in Connecticut
Driving without a valid license can lead to severe penalties in Connecticut. The infraction can lead to steep fines and potential jail time. Therefore, if your license is ever suspended for any reason, it’s important to follow the steps to get it reinstated before getting behind the wheel.
High-Risk Auto Insurance in Connecticut
Many individuals do not have a perfect driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. While some companies try to steer clear of these individuals, other insurance companies offer non-standard insurance (another name for high-risk auto insurance) to provide financial protection for these drivers.
We believe your driving history shouldn't define you forever, and we work hard to find quality, affordable coverage for every driver, regardless of their past.
Where can I find the cheapest car insurance rates in Connecticut?
Car insurance costs vary depending on a number of factors, including:
- The amount & type of coverage you choose
- The year, make, and model of the vehicle you drive
- How much you drive, where you drive, and where you live
- Your demographics
- Your driving record
- Your credit history
Other Connecticut Auto Insurance Resources
Find Cheap Car Insurance in Connecticut with Direct Auto!
Looking for affordable car insurance in Connecticut? Get a free car insurance quote today that meets your state’s requirements, fits your needs, and includes any discounts you’re entitled to receive so your premium is the lowest price possible.
*Emergency Protection Plans (EPP) and Roadside Assistance are not insurance and are administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.
**The “Direct Auto Insurance” brand is used by insurers in the National General Group, Winston-Salem, NC to describe their direct-to-consumer auto insurance programs. Direct Auto Insurance branded policies are produced by Direct General Insurance Agency, Inc. dba “Direct Auto Insurance” and by National General Insurance Marketing Inc.