Connecticut Car Insurance

Compare rates from 13 car insurance companies in Connecticut.

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Here's what you need to know when driving in Connecticut

Across the Constitution State, there are 45,552 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

State minimum insurance requirements in Connecticut

In Connecticut, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $20,000 per person
  • Bodily Injury $40,000 per accident
  • Property Damage $10,000 per accident
Uninsured/Underinsured Motorist
  • Bodily Injury $20,000 per person
  • Bodily Injury $40,000 per accident
Optional coverage in Connecticut (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance

Liability coverage is legally required in Connecticut and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Connecticut, the minimum is listed as 20/40/10 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in Connecticut and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Connecticut, the minimum is listed as 20/40 and explained below:

$20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.

$40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

These numbers reflect the minimum limits required in Connecticut but higher coverage amounts are available with most companies.

Top Connecticut Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Connecticut?

No

What does this mean for you?

While laws are rapidly changing, many states do not accept digital insurance cards including Connecticut. This means you will need a physical insurance card to provide valid proof-of-coverage when necessary.

Do I need uninsured motorist coverage in Connecticut?

Uninsured Drivers in Connecticut
Connecticut

8%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Connecticut cities?

Rank City Avg. Annual Premium
1 Hartford $2,044
2 New Haven $2,018
3 Bridgeport $2,007
4 Waterbury $1,927
5 East Haven $1,865
6 West Haven $1,851
7 East Hartford $1,742
8 Milford $1,721
9 Shelton $1,689
10 Naugatuck $1,683
11 Stratford $1,680
12 New Britain $1,680
13 Trumbull $1,666
14 Stamford $1,649
15 West Hartford $1,623
16 Meriden $1,621
17 Middletown $1,609
18 Norwalk $1,586
19 Manchester $1,551
20 Newington $1,546
21 Danbury $1,539
22 Bristol $1,536
23 Torrington $1,514
24 Norwich $1,495
25 New London $1,462

More questions?

Check out other FAQs and ask your own Connecticut car insurance questions here.
Driving Laws

Connecticut Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on all cell phones for school bus drivers and drivers <18 years
  3. Ban on text messaging for all drivers
Alcohol Related Fatalities

86

Per Year in Connecticut
Annual DUI Arrests
Connecticut
8,235
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's expensive to get car insurance in Connecticut!

Dang! Connecticut is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since Connecticut might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Connecticut?
Rank Company Name Avg. Annual Premium
1 Utica National $784
2 Travelers $1,148
3 Amica $1,232
4 USAA $1,246
5 Nationwide $1,411
6 Unitrin $1,549
7 State Farm $1,591
8 MetLife $1,596
9 Cal Casualty $1,648
10 General Casualty $1,654
11 Progressive $1,850
12 Safeco $1,883
13 GEICO $1,978
14 Middlesex $2,074
15 Encompass $2,326
16 Victoria $2,396
17 Electric $2,424
18 Liberty Mutual $2,621
19 Foremost $3,230
20 Allstate $3,445
21 Hanover $3,469
Additional Resources:

Connecticut Car Insurance

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Connecticut Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Connecticut area, while also getting an insider view of the Constitution State.

Click here to learn more.

Prompt

So, Connecticut students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.