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State law in Connecticut makes drivers financially responsible for all damages and expenses they create while operating their vehicle.
Some accidents may result in tens of thousands of dollars worth of damage or more, and it is not possible for many local residents to pay this hefty amount of money out of their own pocket.
What is the minimum coverage for auto insurance in Connecticut? To ensure that local drivers have the financial means to pay for at least a portion of the damages they may case, the state has created a liability insurance requirement for drivers which we’ll look at next.
if you’re in Connecticut and need car insurance, make sure you compare rates with our free comparison tool above.
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Now that you are aware of what the most common insurance types are in Connecticut, you may be wondering what the state’s minimum legal requirements are.
The NAIC releases its auto insurance database report which includes up-to-date liabilty requirements by state. For all drivers in Connecticut, the law requires you to purchase a policy that includes at least:
These auto insurance requirements are relevant for a private-use vehicle in Connecticut, but some drivers may have specialized vehicles or special-use vehicles, such as a commercial vehicle or a classic car that is not driven on public roads.
This video from Allstate goes over liability auto insurance coverage and some of what it covers.
How much is insurance for a new driver in CT? It’s hard to give a definitive answer, as auto insurance rates depend on a variety of factors like your age, gender, driving record, credit history, home address, and more.
But the table below can give you an idea of how much the average rates are for the top insurer in Connecticut.
|Companies||Average Annual Auto Insurance Rates|
If you have a special situation, explore unique insurance requirements that may be relevant to your situation.
Auto insurance can be seemingly complicated to many drivers, and you understandably may feel confused about how to read auto insurance requirements in Connecticut.
If you do not know how to read car insurance requirements, you cannot be sure that you are in compliance with state requirements or understand how protective your coverage is.
These are descriptions of some of the more common types of optional and required auto insurance that are available to Connecticut drivers.
When you read through CT minimum insurance requirements and policy terms, you will likely see these terms above listed with a dollar amount next to them. The dollar amount usually indicates the upper limit that the auto insurance company will pay for that specific type of auto coverage.
If your actual expenses exceed the coverage limit in your policy, you will need to pay them on your own.
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The III estimates that one in eight drivers is uninsured.
Connecticut drivers should be observant of the insurance requirement at all times. If you are caught driving without insurance, you will be fined $200, and the state will offer to buy insurance on your behalf.
If you fail to act on this offer or to prove that you have insurance currently, you will need to attend a hearing. At this hearing, your vehicle’s registration or your driver’s license may be revoked or suspended.
Some Connecticut drivers think that they only need to purchase the minimum amount of coverage required by the state’s law and perhaps additional coverage required by their lender, but this is not necessarily the case.
You must pay for all damages you cause while driving, including property damage, medical bills, and more.
Therefore, you should purchase enough coverage and the right type of coverage to pay for all expenses that you financially cannot afford to pay for.
For example, you may wish to buy more than the minimum required limits of bodily injury and property damage liability insurance, and you may also want to buy comprehensive insurance with towing or rental car reimbursement for additional benefits.
You can work with an insurance agent to set up the coverage you need with an affordable premium amount.
Smart drivers in Connecticut will review and update their auto insurance coverage every six months, and this is because it will help you to address any changing needs for your coverage and find the best rate available.
Comparing online rates is a fast and convenient way to shop for new auto insurance, but you should carefully select the providers who you reach out to for quotes. Not all providers are the same, and you need to make a savvy buying decision when purchasing auto insurance in Connecticut.
In addition to focusing your attention on the cost of auto insurance, remember to look for a provider that has great financial standing and a good customer service reputation.
If you’re looking for cheap auto insurance in Connecticut, don’t miss out on our free comparison tool below. Just enter your ZIP code and compare rates now.
Auto Insurance Laws