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Connecticut Auto Insurance

Connecticut auto insurance has both mandatory liability coverage as well as uninsured and underinsured coverage. Since Connecticut has mandatory liability insurance, it is consider a “tort” state, meaning a state that requires you to pay for damages resulting from any accident you cause. This can have serious implications on your financial outlook if you are involved in an accident and do not hold sufficient liability coverage.

Connecticut Auto Insurance Legal Requirements

The minimum liability insurance required in Connecticut 20/40/10. What that means is that Connecticut drivers are requiredto carry at least $20,000 for single person injury, $40,000 for injuries to more than one person, and $10,000 for property damages caused by an accident.

Connecticut is one of the few states that also requires additional under-insured and uninsured motorist bodily injury protection. With this coverage, the State requires amounts of $20,000 per person, and up to $40,000 for all persons involved in an accident.

Connecticut Auto Insurance Rates

Auto insurance in Connecticut is expensive relative to the rest of the United States. During the 2003 year, insured motorists in Connecticut paid on average $982.69 for their auto insurance. Connecticut insured motorists spent on average $611.45 for liability coverage, $339.32 for collision coverage, and $137.04 for comprehensive coverage. These averages ranked Connecticut at 8th for most expensive car insurance premiums in the nation in 2003.

How do car insurance companies figure out premium rates for Connecticut drivers? The formula for auto insurance rates starts with the cost to insure the state, then figures the individual premium by factoring in things like age, the car type, a person’s driving record, and location into the equation.

Connecticut Auto Insurance Companies

Connecticut drivers have a wide variety of options when it comes to choosing auto insurance. Accordingly, you should shop around to make sure you are getting the best combination of quality coverage and affordable rates.

Get More Information

Connecticut Insurance Department
153 Market Street
Hartford, CT 06103
Phone: (860) 297-3800
Fax: (860) 566-7410

For other Connecticut Insurance Resources, See:

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