On average, your neighbors pay $87 a month.See Your Rates
Are you a Connecticut driver? Here is everything you need to know to find the best car insurance in the Constitution State.
How much is auto insurance in Connecticut? Overall, Connecticut drivers pay more than others in the US. The average cost of auto insurance in Connecticut is $1048.56 yearly. This is a big jump from the national average of $889.01.
Your premium will vary based on your driving record, car type, zip code, and claims.
|Total Cost Per Year||$1,048.56|
|Price Per Month||$87.38|
The graph below shows the change in average Connecticut insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Connecticut car insurance rates increased from $969 in 2011 to $1,031 in 2015, a jump of $79 dollars, or 8.16 percent.
When it comes to buying car insurance in Connecticut, finding a policy that fits your needs and budget can be tough. Comparing companies and rates makes things a lot easier.
With QuoteWizard, you can compare quotes from top car insurance companies and discover which one is best for you. All it takes is a few clicks, and you’ll have all the information and help you need!
Last year, 26,989 people used QuoteWizard to compare auto insurance quotes in Connecticut from multiple companies to find the cheapest rates.
Of the 26,989 people from CT that went to QuoteWizard for auto insurance, 2,303 had no current policy. These are the most popular companies amongst Connecticut drivers who used QuoteWizard in the last year.
These are the most owned vehicles of Connecticut drivers wanting auto quotes through QuoteWizard last year.
Best High-Risk Insurance Companies
If your driving or claim history is spotty, insurers may consider you high-risk. It costs more for companies to cover high-risk drivers, and some may even refuse coverage. The Connecticut Automobile Insurance Assign Risk Plan helps drivers get minimum coverage. Check with them to see if you qualify.
These companies offer policies for high-risk drivers in CT:
Insurers consider teens to be higher-risk drivers due to inexperience. As such, teens pay more than most for auto insurance. Between accidents and tickets, teens are an insurance risk.
We found that teenage drivers pay an average of $438 a month for auto insurance. The amount drops to $278 if they're on a parent's plan. This is still a high price. Luckily, many companies offer discounts for students with good grades.
These insurance companies offer good coverage for Connecticut teens:
Connecticut has a higher cost of living and income levels than many other states. Their auto rates reflect this. Another factor at work is Connecticut's uninsured drivers. The III says that 9.4 percent of Connecticut's drivers are uninsured. This affects the average rate for the state overall.
Connecticut requires that drivers have minimum coverage of 25/50/25. This means your policy must cover at least:
There are plans that cover more. But if you want the minimum to stay road legal, get 25/50/25.
Minimum coverage can be cheaper in the short term. However, it gets expensive should you file a claim. The reason is that minimum coverage doesn’t include collision or comprehensive coverage. If you go beyond your minimum coverage, the out-of-pocket cost could hurt.
Minimum coverage takes care of damage to others and their property. However, it does nothing to cover you, your injuries, or your property. If minimum coverage is all you have and you cause an accident, you pay your costs.
Collision coverage takes care of damages to your car after an accident. Comprehensive coverage pays for damages that don’t involve other vehicles. This includes events like disasters, theft, and vandalism.
Given the above, we recommend the following coverage:
If it fits into your budget, get comprehensive and collision coverage. Look into a deductible that works for you. To protect yourself against drivers with little or no insurance, consider uninsured/uninsured coverage. Also, medical payment coverage and personal injury protection covers medical costs in the event of accidents.
CT drivers need to show proof of auto insurance to law enforcement if asked. The DMV also requires Proof of insurance when registering or renewing registration.
Your proof of insurance card needs to include the following:
Failure to show proof of auto insurance is a traffic infraction. If you can't provide proof of insurance, there's a $50 fine. This may include suspension of car registration and renewing or registering another vehicle.
Connecticut drivers with a suspended license due to DUI, or other violations must file an SR-22 form. In Connecticut the amount required for proof of financial responsibility is:
Connecticut state law requires carrying the SR-22 for a minimum of three years. If you don't renew your SR-22 before it expires, the state suspends your license until you have the basic insurance.
If you damage your car and the cost to repair it exceeds its cash value, your insurer will deem it a total loss. In Connecticut, they calculate the total loss amount by adding the repair costs to a salvage value.
If the total loss amount is greater than the car's current value, the vehicle receives a salvage title. Once it's repaired, it gets a rebuilt title.
Buying insurance in Connecticut for a salvage or rebuilt car is hard. Some insurers don't cover these titles at all. You can expect to pay higher rates if you do find coverage.
Connecticut regulates handheld devices to prevent distracted driving. The state prohibits all drivers from using handheld devices while driving.
Law enforcement can stop you and cite you drive with a phone in hand. The same applies to texting while driving. Driving with a handsfree device is okay
If you drive in CT with a Blood Alcohol Content level of 0.08 percent or more, you're guilty of Driving While Under the Influence (DUI). Depending on how many DUIs you have, you could spend up to three years in jail and pay $8,000 in fines. You can also lose your license.
Regardless, a DUI can increase your rates. We found that drivers with DUIs on their records can expect to pay over $800 more per year for car insurance compared to people with clean records.
Car insurance rates tend to increase once a driver turns 65. In Connecticut, all drivers must renew their licenses every six years. Beginning at 79 you must renew your driver's license in person. At 85 you must renew every 2 two years.
When driving a vehicle registered to another state in Connecticut, you need auto insurance required by that state. You will also need proof of insurance.
Our research shows that Connecticut currently stands as the 19th worst state for drivers in the US. Hartford ranks as the 37th worst city for driving. This rank is based on accidents, speeding tickets, DUI's, and citations.
In 2016, there were 293 traffic fatalities in Connecticut. That's an eight percent increase from 270 in 2015.
In 2016, there were 7,107 vehicle theft reports in Connecticut. This is a 13 percent increase over the 6,110 thefts in 2014.
Driving a commonly stolen vehicle can lead to higher premiums. These are the most commonly stolen cars in Connecticut.
If you're looking for cheap auto insurance, there are many options available to Connecticut drivers:
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