Connecticut Minimum Coverage Car Insurance: Requirements and Costs (2024)

Connecticut requires drivers to carry a minimum of $25,000 per person and $50,000 per accident in Bodily Injury Liability, as well as $25,000 in Property Damage Liability. Uninsured/Underinsured Motorist coverage is also mandatory, with a minimum requirement of $25,000 per person and $50,000 per accident. Connecticut operates under an at-fault insurance system, meaning that the driver who is deemed responsible for an accident is also responsible for any resulting damages.

Ensuring you meet the minimum car insurance requirements is a legal necessity. Finding the cheapest car insurance varies; for state minimum coverage, the average monthly premium for minimum coverage auto insurance in Connecticut is about $59, though your rate could differ based on your driving record and location.

In Connecticut, the state minimum auto insurance coverage required for drivers to legally operate a vehicle includes:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

Given that Connecticut is a fault state, the person responsible for an accident is also responsible for the damages incurred. This directly affects your insurance premium, as insurers often assess the likelihood of you being at-fault in an accident when determining the cost of your policy. Being in a fault state suggests that having coverage above the state minimum could protect you financially after an accident.

The table reflects Connecticut's state minimum car insurance requirements, covering bodily injury and property damage. Remember, individual policy terms determine specific coverage details.

Various factors come into play when assessing the cost of your minimum coverage car insurance, but age is a significant one. Drivers between the ages of 22 and 29 in Connecticut have the highest premiums due to their inexperience on the road and greater likelihood of filing a claim. The following table outlines the average cost of minimum coverage car insurance in Connecticut by age group.

Connecticut drivers looking for the most affordable minimum coverage insurance should consider these options for significant savings.

• GEICO: $435 per year and $36 per month
• Kemper: $606 per year and $50 per month

While finding cost-effective minimum coverage is crucial, you should ensure you are selecting the best car insurance that aligns with your individual needs.

In Connecticut, you can have optional add-on coverages such as comprehensive, collision, uninsured/underinsured motorist coverage, rental reimbursement and roadside assistance. These protect against a variety of incidents that go beyond basic liability claims. For instance, comprehensive covers non-collision damages, including theft and natural disasters. To assess how much car insurance you need, consider the value of your vehicle, driving habits and potential out-of-pocket expenses.

The cost of a ticket for driving without insurance in Connecticut varies depending on whether it's your first time or if you've been caught before. For the first offense, drivers face fines and possible license suspension. Repeat offenders can expect harsher penalties, including higher fines and longer suspensions.

• Fines: These scale with the frequency of offenses.
• License suspension: Potential for suspension increases with repeat violations.
• Vehicle registration suspension: Your car's registration may be suspended.
• License and registration reinstatement fees: Costs to reinstate both license and registration.
• Possible imprisonment: In severe cases, such as causing an accident while uninsured.

Driving without minimum coverage auto insurance risks financial penalties and compromises your legal standing. Adhere to Connecticut's insurance laws to avoid these consequences.

If your car insurance policy is canceled in Connecticut, immediately seek new coverage to avoid driving uninsured. Contact your insurance agent or shop around for a new policy. It's illegal to drive without insurance in Connecticut, and the DMV will be notified by your previous insurer through the state's electronic insurance verification system once your coverage lapses.

The Connecticut Department of Motor Vehicles maintains a record of your insurance status, and failure to secure new insurance could result in fines and suspension of your vehicle registration.

To ensure continuous coverage, consider different insurance providers or look into the Connecticut Automobile Insurance Assigned Risk Plan — it's designed to help high-risk drivers obtain the minimum coverage they require. Driving in Connecticut without at least state minimum car insurance is against the law.

Here we have essential information about Connecticut's state minimum car insurance requirements to help you understand what coverages are necessary to stay legal.