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Car Insurance in Connecticut (Updated May 2024)

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Connecticut Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Connecticut specifically, drivers are paying 20% more for car insurance than the national average, with Full Coverage costing Connecticut drivers an average of $227 per month

Similar to other states, the rates in Connecticut can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Connecticut. Read on to learn more about properly insuring your car in Connecticut. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Connecticut Car Insurance Laws

Connecticut’s car insurance laws require all operators and owners of motor vehicles registered in the state to obtain liability coverage. A liability policy reimburses people for their medical costs and property damage when involved in an accident caused by an at-fault driver. However, it does not cover expenses to the owner’s vehicle in the event of a wreck.

Connecticut’s car insurance minimums are:

  • $25,000 for the death or injury of one person
  • $50,000 for the death or injury of two or more people
  • $25,000 for property damage

In addition to liability coverage, Connecticut drivers must hold uninsured motorist coverage of $25,000 per person and $50,000 per accident. 

Proof of Insurance

Connecticut has no new car insurance grace period, so you must obtain insurance before driving a new car on public roads. ” 


Driving without insurance in Connecticut results in fines and penalties. You face a fine between $100 to $1,000 and a one-month suspension of your driver’s license for a first offense. You must provide proof of liability coverage and pay a restoration fee to recover your driving privileges. Courts may find you guilty of a class C misdemeanor, which carries a $500 fine and up to three months in jail. Subsequent violations may result in up to six months imprisonment.

Connecticut has no new car insurance grace period, so you must obtain insurance before driving a new car on public roads.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Connecticut?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Connecticut?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Connecticut?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.