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Connecticut Statistics Summary | Details |
---|---|
Road Miles | Total in State: 21,512 Vehicle Miles Driven (in millions): 31,592 |
Vehicles | Registered: 2,755,233 Total Stolen: 6,338 |
State Population | 3,572,665 |
Most Popular Vehicle | Rogue |
Percent of Motorists Uninsured | 9.4% State Rank: 36th |
Driving Deaths | Speeding – 88 Drunk Driving – 120 |
Average Premiums (Annual) | Liability – $650.94 Collision – $368.51 Comprehensive – $131.62 Combined Premiums – $1,151.07 |
Cheapest Provider | State Farm |
Connecticut residents are good drivers despite being stuck between Massachusetts and New York State — drivers young and old complete extensive driver’s education!
Are you ready to learn even more about your car insurance options and make an informed decision?
While you gather your study materials, review the following guide we put together that includes all you need to know about Connecticut auto insurance including coverage and rates (and in other states too), auto insurance providers, state laws, and so much more.
You may already know comparing auto insurance rates is a great way to save money! Start today with just your ZIP code.
Table of Contents
Before you decide to move to Connecticut or even just visit, consider your options in auto insurance coverage.
Types of Insurance Coverage | Minimum Limits: 25/50/20 |
---|---|
Bodily Injury Liability Coverage | $25,000 per one person $50,000 per accident |
Property Damage Liability Coverage | $20,000 minimum |
Uninsured/Underinsured Motorist | $25,000 per person $50,000 per accident |
A new law increased the minimum coverage for auto insurance in Connecticut, so if you recently noticed your rates increased, that’s why. The state previously required only 20/40/10. Effective January 1, 2019, the minimum requirements are 25/50/20, as described below.
These increases are effective for uninsured and underinsured motorists as well.
Liability insurance pays all individuals — drivers, passengers, pedestrians, bicyclists, etc — who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes.
Connecticut is an “at-fault” accident state. This means, if you are the at-fault driver during an accident, you will be held liable for any personal injury or property claims.
As such, liability insurance is required in the state of Connecticut at these minimum coverage amounts:
You may be asking, how can uninsured and underinsured motorists coverage help me?
In the words of Connecticut’s DMV, uninsured and underinsured motorist covers, “you, your relatives who live with you, and your passengers if they are injured in an accident caused by an uninsured motorist, a motorist whose bodily injury liability limits are less than your uninsured/underinsured motorist limits, or a hit-and-run driver.”
Remember, these amounts are minimum requirements and may not fully cover injury, death, or damage to yourself or your own passengers! That will require additional coverage.
Minimum coverage rates also vary from state to state.
Read more about The Full Glass coverage laws in Connecticut.
When pulled over or involved in an accident, Connecticut motorists can now present auto insurance proof electronically on a cell phone or other device to law enforcement. The information is generally accessible via an insurer’s app.
There may be “an app for that,” but not when you run out of data or your phone dies!
The laws in Connecticut require you to carry proof of insurance whether it’s digital or good, old fashioned paper.
So, to be on the safe side…
Keep your insurance card either in your wallet or in your vehicle whenever you drive.
Although a ticket may or may not be issued to you at the scene of an accident, the possibility of a judgment being entered against you can still exist, requiring that you show financial responsibility.
In 2014, the annual per capita disposable personal income in Connecticut was $56,186. That’s not bad considering the only other state with a higher DPI is the District of Columbia.
Disposable personal income (DPI) is the total amount of money available for an individual to spend (or save) after their taxes have been paid.
On top of the stellar DPI, the average annual cost of auto insurance in Connecticut is $1,133 which is only two percent of the average disposable personal income.
The average Connecticut resident has $4,682 each month to buy food, pay bills, etc. The auto insurance bill will deduct about $94 out of that, which is one of the lowest amounts in the nation as compared to DPI.
Despite the higher income, Connecticut residents pay pretty reasonable rates for auto insurance.
Way to go, Connecticut!
Now, you can put those extra dollars where it really matters — savings! American Consumer Credit Counseling suggests saving 20 percent of every paycheck. With Connecticut’s DPI, that’s $936 each month! How much are you putting aside for savings?
Coverage Type | Annual Costs in 2015 |
---|---|
Collision | $368.51 |
Comprehensive | $131.62 |
Liability | $650.94 |
Combined | $1151.07 |
The above table illustrates the most recent data provided by the leading source on the matter, the National Association of Insurance Commissioners. Expect auto insurance rates in Connecticut to be significantly higher for 2019 and on.
Don’t forget: Connecticut has minimum requirements for liability coverage, but experts suggest drivers purchase more than what state law requires, especially when the state is an “at-fault” state like Connecticut is.
Why get more coverage than required?
About 49 deer are killed per day on Connecticut roads (18,000 deer per year).
Oh, dear! That is a lot of deer!
The massive urban population of deer is not due to hunting bans — hunting deer is completely legal in Connecticut; in fact, some cities are coordinating efforts for private landowners to partner with local hunters to hunt on their land alone.
“Personal Hunter” has a nice ring to it, huh?
If you think a deer hitting your vehicle may not cause much damage, watch this video.
The average repair cost for a deer-car accident is $1,577, or about $28 million in Connecticut per year.
Even if a deer does not hit your vehicle, they can certainly still cause accidents if drivers are not alert.
Don’t lose $1,600! Consider adding comprehensive coverage to your policy which covers occurrences that many would call “out of our control” such as a cracked windshield, hitting an animal, or other events besides collisions.
Why stop at comprehensive?
Let’s dig into some of the most popular auto insurance coverage types to add to a basic auto insurance policy.
A loss ratio shows how much a company spends on claims to how much money they take in on premiums. For example, a loss ratio of 60 percent indicates that companies are spending $60 on claims out of every $100 earned in premiums. A loss ratio of over 100 percent means the company is losing money. If the loss ratio is too low, the company isn’t paying claims.
Loss Ratio | 2012 | 2013 | 2014 |
---|---|---|---|
Personal Injury Protection | 85.46% | 95.14% | 74.69% |
Medical Payments (Med Pay) | 87.46% | 83.32% | 78.91% |
Uninsured/Underinsured Motorist (9.4% and ranked 36th in the nation) | 60.74% | 56.73% | 50.01% |
As of July 2018, two states required Medical Payments coverage (Maine and Wisconsin), three states (plus D.C.) required Uninsured Motorist coverage (South Carolina, Montana, and Wisconsin), and 17 states required both Uninsured & Underinsured Motorist coverage.
Connecticut lawmakers have established that uninsured and underinsured motorist coverage is important with the recent change in minimum coverage requirements. It seems Connecticut residents were one step ahead of lawmakers based on a pretty even 50/50 loss ratio for uninsured and underinsured motorists coverage claims.
Based on the high loss ratios, it appears that Connecticut residents are also taking good advantage of personal injury protection (PIP), otherwise known as no-fault insurance, for medical bills incurred because of a wreck, regardless of who is at fault, who is driving, or who owns the vehicle.
It’s obvious by the above high loss ratios that Connecticut residents are taking good advantage of Med Pay, Underinsured Motorist/Uninsured Motorist coverage, and personal injury protection (PIP). PIP covers medical bills incurred because of a wreck, regardless of who is at fault, who is driving, or who owns the vehicle.
Again, way to go, Connecticut! You have killer income, great rates, AND you are fully aware of the benefits of extra coverage!
And the stats show how incredibly smart you are…
In 2015, 13 percent of motorists in the US were uninsured, and 9.4 percent of motorists in Connecticut, ranking 36th in the nation.
You have only three percent to go to outrank your neighbor, Massachusetts and make it to the top three in the nation! How ‘Bout Them Whalers???
Don’t get thrown in the penalty box by high auto insurance premiums! Start comparison shopping today using our FREE online tool. Enter your ZIP code below to get started!
We know getting the complete coverage you need for an affordable auto insurance rate is your goal. Learn more here: where can I compare several affordable auto insurance rates.
Good news: there are lots of powerful but cheap extras you can add to your policy.
Here’s a list of other useful coverage available to you in Connecticut.
Most people are under the impression that men pay higher auto insurance rates than women. That is typically the case in the state of Connecticut with a few instances otherwise.
Our researchers came to a surprising conclusion. They learned that age and the actual insurance carrier seem to be the most significant contributing factors in cost variance.
Case in point, Travelers charges 17-year-old male and female drivers between $13,000 and $23,000 annually, which is $11,000-21,000 higher when compared to their averaged $1,907 yearly premiums for insureds over the age of 18! USAA, however, charges only about three to four thousand more in annual premiums based on the age difference.
Let’s dig deeper!
Company | Married 35-year-old Female Annual Rate | Married 35-year-old Male Annual Rate | Married 60-year-old Female Annual Rate | Married 60-year-old Male Annual Rate | Single 17-year-old Female Annual Rate | Single 17-year-old Male Annual Rate | Single 25-year-old Female Annual Rate | Single 25-year-old Male Annual Rate |
---|---|---|---|---|---|---|---|---|
Allstate F&C | $3,673.14 | $3,634.67 | $3,382.07 | $3,621.23 | $11,215.24 | $13,243.90 | $3,843.87 | $4,038.70 |
Geico General | $2,272.26 | $2,278.35 | $2,107.40 | $2,124.47 | $5,263.28 | $6,225.80 | $2,191.49 | $2,126.23 |
Nationwide Discover Agency | $2,343.37 | $2,370.04 | $2,105.93 | $2,209.18 | $6,485.04 | $8,226.75 | $2,717.04 | $2,921.42 |
Progressive Casualty | $2,642.90 | $2,461.27 | $2,252.80 | $2,346.17 | $11,031.05 | $12,232.33 | $3,016.42 | $3,379.83 |
Safeco Ins Co of IL | $3,516.76 | $3,825.92 | $2,706.04 | $3,337.15 | $17,597.17 | $19,837.39 | $3,558.72 | $3,883.84 |
State Farm Mutual Auto | $1,815.86 | $1,815.86 | $1,670.41 | $1,670.41 | $5,517.07 | $6,936.22 | $2,041.38 | $2,342.71 |
Travelers Home & Marine Ins Co | $1,810.97 | $1,837.61 | $1,806.15 | $1,800.54 | $13,987.79 | $22,605.07 | $1,970.21 | $2,216.01 |
USAA CIC | $1,958.26 | $1,937.36 | $1,826.50 | $1,802.82 | $6,175.72 | $6,480.54 | $2,622.21 | $2,716.62 |
Where you live can have a big impact on your auto insurance rate. Here’s a look at how your ZIP code can affect what you pay:
Most Expensive ZIP Codes in Connecticut | City | Average Annual Rate by ZIP Code | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
---|---|---|---|---|---|---|---|---|---|---|
06103 | HARTFORD | $6,373.96 | Travelers | $9,948.34 | Liberty Mutual | $9,887.85 | GEICO | $4,205.53 | USAA | $4,206.85 |
06105 | HARTFORD | $6,373.96 | Travelers | $9,948.34 | Liberty Mutual | $9,887.85 | GEICO | $4,205.53 | USAA | $4,206.85 |
06106 | HARTFORD | $6,373.96 | Travelers | $9,948.34 | Liberty Mutual | $9,887.85 | GEICO | $4,205.53 | USAA | $4,206.85 |
06112 | HARTFORD | $6,373.96 | Travelers | $9,948.34 | Liberty Mutual | $9,887.85 | GEICO | $4,205.53 | USAA | $4,206.85 |
06114 | HARTFORD | $6,373.96 | Travelers | $9,948.34 | Liberty Mutual | $9,887.85 | GEICO | $4,205.53 | USAA | $4,206.85 |
06120 | HARTFORD | $6,373.96 | Travelers | $9,948.34 | Liberty Mutual | $9,887.85 | GEICO | $4,205.53 | USAA | $4,206.85 |
06160 | HARTFORD | $6,373.96 | Travelers | $9,948.34 | Liberty Mutual | $9,887.85 | GEICO | $4,205.53 | USAA | $4,206.85 |
06510 | NEW HAVEN | $6,173.99 | Travelers | $9,256.06 | Liberty Mutual | $8,718.72 | State Farm | $3,935.59 | GEICO | $4,223.88 |
06511 | NEW HAVEN | $6,173.99 | Travelers | $9,256.06 | Liberty Mutual | $8,718.72 | State Farm | $3,935.59 | GEICO | $4,223.88 |
06512 | EAST HAVEN | $6,173.99 | Travelers | $9,256.06 | Liberty Mutual | $8,718.72 | State Farm | $3,935.59 | GEICO | $4,223.88 |
06513 | NEW HAVEN | $6,173.99 | Travelers | $9,256.06 | Liberty Mutual | $8,718.72 | State Farm | $3,935.59 | GEICO | $4,223.88 |
06515 | NEW HAVEN | $6,173.99 | Travelers | $9,256.06 | Liberty Mutual | $8,718.72 | State Farm | $3,935.59 | GEICO | $4,223.88 |
06519 | NEW HAVEN | $6,173.99 | Travelers | $9,256.06 | Liberty Mutual | $8,718.72 | State Farm | $3,935.59 | GEICO | $4,223.88 |
06101 | HARTFORD | $6,148.49 | Travelers | $9,948.34 | Liberty Mutual | $9,887.85 | GEICO | $4,205.53 | USAA | $4,206.85 |
06152 | HARTFORD | $6,148.49 | Travelers | $9,948.34 | Liberty Mutual | $9,887.85 | GEICO | $4,205.53 | USAA | $4,206.85 |
06604 | BRIDGEPORT | $6,112.78 | Liberty Mutual | $9,542.38 | Travelers | $8,780.42 | State Farm | $4,104.01 | USAA | $4,160.98 |
06605 | BRIDGEPORT | $6,112.78 | Liberty Mutual | $9,542.38 | Travelers | $8,780.42 | State Farm | $4,104.01 | USAA | $4,160.98 |
06606 | BRIDGEPORT | $6,112.78 | Liberty Mutual | $9,542.38 | Travelers | $8,780.42 | State Farm | $4,104.01 | USAA | $4,160.98 |
06607 | BRIDGEPORT | $6,112.78 | Liberty Mutual | $9,542.38 | Travelers | $8,780.42 | State Farm | $4,104.01 | USAA | $4,160.98 |
06608 | BRIDGEPORT | $6,112.78 | Liberty Mutual | $9,542.38 | Travelers | $8,780.42 | State Farm | $4,104.01 | USAA | $4,160.98 |
06610 | BRIDGEPORT | $6,112.78 | Liberty Mutual | $9,542.38 | Travelers | $8,780.42 | State Farm | $4,104.01 | USAA | $4,160.98 |
06650 | BRIDGEPORT | $5,793.71 | Liberty Mutual | $9,542.38 | Travelers | $8,780.42 | GEICO | $3,632.90 | State Farm | $4,104.01 |
06702 | WATERBURY | $5,790.41 | Travelers | $8,351.14 | Liberty Mutual | $8,132.56 | USAA | $3,668.44 | State Farm | $3,833.37 |
06704 | WATERBURY | $5,790.41 | Travelers | $8,351.14 | Liberty Mutual | $8,132.56 | USAA | $3,668.44 | State Farm | $3,833.37 |
06705 | WATERBURY | $5,790.41 | Travelers | $8,351.14 | Liberty Mutual | $8,132.56 | USAA | $3,668.44 | State Farm | $3,833.37 |
Hartford has the most expensive rates by ZIP code.
Cheapest ZIP Codes in Connecticut | City | Average Annual Rate by ZIP Codes | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
---|---|---|---|---|---|---|---|---|---|---|
06340 | GROTON | $3,896.10 | Liberty Mutual | $6,416.79 | Allstate | $5,237.70 | GEICO | $2,455.10 | State Farm | $2,654.24 |
06355 | MYSTIC | $3,986.37 | Liberty Mutual | $6,416.79 | Allstate | $5,237.70 | GEICO | $2,455.10 | State Farm | $2,654.24 |
06331 | CANTERBURY | $4,028.12 | Liberty Mutual | $6,378.51 | Allstate | $5,403.39 | GEICO | $2,637.09 | State Farm | $2,684.12 |
06333 | EAST LYME | $4,041.05 | Liberty Mutual | $6,503.20 | Allstate | $5,237.70 | GEICO | $2,573.58 | State Farm | $2,666.69 |
06357 | NIANTIC | $4,041.05 | Liberty Mutual | $6,503.20 | Allstate | $5,237.70 | GEICO | $2,573.58 | State Farm | $2,666.69 |
06359 | NORTH STONINGTON | $4,068.88 | Liberty Mutual | $6,326.05 | Allstate | $5,225.68 | GEICO | $2,545.86 | State Farm | $2,684.12 |
06226 | WILLIMANTIC | $4,070.37 | Liberty Mutual | $6,913.93 | Allstate | $5,338.09 | State Farm | $2,684.12 | GEICO | $2,784.21 |
06266 | SOUTH WINDHAM | $4,070.37 | Liberty Mutual | $6,913.93 | Allstate | $5,338.09 | State Farm | $2,684.12 | GEICO | $2,784.21 |
06280 | WINDHAM | $4,070.37 | Liberty Mutual | $6,913.93 | Allstate | $5,338.09 | State Farm | $2,684.12 | GEICO | $2,784.21 |
06475 | OLD SAYBROOK | $4,076.16 | Liberty Mutual | $6,631.86 | Allstate | $5,244.00 | GEICO | $2,480.89 | State Farm | $2,666.69 |
06264 | SCOTLAND | $4,084.21 | Liberty Mutual | $6,537.83 | Allstate | $5,403.39 | GEICO | $2,637.09 | State Farm | $2,684.12 |
06334 | BOZRAH | $4,085.37 | Liberty Mutual | $6,821.20 | Allstate | $5,237.70 | GEICO | $2,637.09 | State Farm | $2,684.12 |
06371 | OLD LYME | $4,087.72 | Liberty Mutual | $6,430.78 | Travelers | $5,354.34 | GEICO | $2,573.58 | State Farm | $2,666.69 |
06426 | ESSEX | $4,088.33 | Liberty Mutual | $6,693.61 | Allstate | $5,244.00 | GEICO | $2,480.89 | State Farm | $2,666.69 |
06442 | IVORYTON | $4,088.33 | Liberty Mutual | $6,693.61 | Allstate | $5,244.00 | GEICO | $2,480.89 | State Farm | $2,666.69 |
06420 | SALEM | $4,091.02 | Liberty Mutual | $6,780.41 | Allstate | $5,237.70 | State Farm | $2,684.12 | GEICO | $2,708.26 |
06498 | WESTBROOK | $4,093.66 | Liberty Mutual | $6,728.53 | Allstate | $5,244.00 | State Farm | $2,666.69 | GEICO | $2,832.06 |
06375 | QUAKER HILL | $4,094.49 | Liberty Mutual | $6,643.12 | Travelers | $5,363.30 | State Farm | $2,654.24 | USAA | $2,700.71 |
06385 | WATERFORD | $4,094.49 | Liberty Mutual | $6,643.12 | Travelers | $5,363.30 | State Farm | $2,654.24 | USAA | $2,700.71 |
06249 | LEBANON | $4,099.90 | Liberty Mutual | $6,376.82 | Allstate | $5,469.52 | State Farm | $2,684.12 | GEICO | $2,784.21 |
06417 | DEEP RIVER | $4,103.33 | Liberty Mutual | $7,027.36 | Allstate | $5,244.00 | GEICO | $2,480.89 | State Farm | $2,666.69 |
06332 | CENTRAL VILLAGE | $4,105.28 | Liberty Mutual | $6,571.22 | Allstate | $5,573.25 | GEICO | $2,545.86 | State Farm | $2,684.12 |
06354 | MOOSUP | $4,105.28 | Liberty Mutual | $6,571.22 | Allstate | $5,573.25 | GEICO | $2,545.86 | State Farm | $2,684.12 |
06374 | PLAINFIELD | $4,105.28 | Liberty Mutual | $6,571.22 | Allstate | $5,573.25 | GEICO | $2,545.86 | State Farm | $2,684.12 |
06423 | EAST HADDAM | $4,112.43 | Liberty Mutual | $6,707.15 | Travelers | $5,328.44 | GEICO | $2,480.89 | State Farm | $2,666.69 |
To help with your comparison, the tables below compile the average auto insurance rates by cities.
Most Expensive Cities in Connecticut | Average Annual Rate by City | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
---|---|---|---|---|---|---|---|---|---|
Hartford | $6,323.85 | Travelers | $9,948.34 | Liberty Mutual | $9,887.85 | GEICO | $4,205.53 | USAA | $4,206.85 |
East Haven | $6,173.99 | Travelers | $9,256.06 | Liberty Mutual | $8,718.72 | State Farm | $3,935.59 | GEICO | $4,223.88 |
New Haven | $6,173.99 | Travelers | $9,256.06 | Liberty Mutual | $8,718.72 | State Farm | $3,935.59 | GEICO | $4,223.88 |
Bridgeport | $6,067.20 | Liberty Mutual | $9,542.38 | Travelers | $8,780.42 | State Farm | $4,104.01 | USAA | $4,160.98 |
Waterbury | $5,790.41 | Travelers | $8,351.14 | Liberty Mutual | $8,132.56 | USAA | $3,668.44 | State Farm | $3,833.37 |
West Haven | $5,574.19 | Liberty Mutual | $8,292.16 | Travelers | $7,392.35 | State Farm | $3,664.33 | GEICO | $3,818.52 |
Hamden | $5,500.65 | Liberty Mutual | $8,433.73 | Progressive | $7,127.90 | State Farm | $3,300.29 | GEICO | $3,695.54 |
South Britain | $5,154.91 | Travelers | $9,256.06 | Liberty Mutual | $7,593.52 | GEICO | $3,123.27 | State Farm | $3,125.79 |
East Hartford | $5,131.08 | Liberty Mutual | $7,723.42 | Travelers | $6,353.95 | USAA | $3,350.48 | State Farm | $3,667.23 |
Woodbridge | $5,126.81 | Liberty Mutual | $8,032.50 | Allstate | $6,902.19 | GEICO | $3,126.08 | State Farm | $3,300.29 |
Milford | $5,105.40 | Liberty Mutual | $7,939.79 | Travelers | $6,838.54 | State Farm | $2,888.56 | GEICO | $3,127.90 |
East Glastonbury | $5,103.26 | Travelers | $9,948.34 | Liberty Mutual | $7,311.53 | USAA | $2,855.32 | GEICO | $3,033.26 |
North Haven | $5,079.93 | Liberty Mutual | $8,186.95 | Travelers | $6,838.54 | State Farm | $3,232.22 | GEICO | $3,500.50 |
Stratford | $5,035.21 | Liberty Mutual | $8,284.57 | Allstate | $6,438.54 | State Farm | $3,322.57 | USAA | $3,447.97 |
Milldale | $5,026.12 | Travelers | $9,948.34 | Liberty Mutual | $7,018.89 | USAA | $2,855.32 | State Farm | $2,876.04 |
Naugatuck | $5,020.78 | Liberty Mutual | $8,194.68 | Allstate | $6,565.08 | State Farm | $3,125.79 | GEICO | $3,483.96 |
Branford | $5,015.32 | Liberty Mutual | $8,134.73 | Travelers | $6,435.56 | GEICO | $3,062.65 | State Farm | $3,232.22 |
Prospect | $5,005.80 | Liberty Mutual | $8,135.07 | Allstate | $6,565.08 | State Farm | $3,125.79 | USAA | $3,452.12 |
New Britain | $5,004.15 | Liberty Mutual | $7,650.63 | Travelers | $6,948.18 | USAA | $3,482.43 | State Farm | $3,501.20 |
Bloomfield | $4,999.25 | Liberty Mutual | $7,311.53 | Travelers | $6,783.66 | State Farm | $3,243.57 | USAA | $3,350.48 |
North Branford | $4,989.45 | Liberty Mutual | $7,819.09 | Travelers | $6,811.12 | State Farm | $3,232.22 | GEICO | $3,253.57 |
Shelton | $4,965.43 | Liberty Mutual | $7,712.67 | Travelers | $6,496.25 | USAA | $3,259.50 | State Farm | $3,322.57 |
Poquonock | $4,961.51 | Travelers | $9,948.34 | Liberty Mutual | $7,235.38 | State Farm | $2,604.03 | USAA | $2,855.32 |
Orange | $4,955.71 | Liberty Mutual | $7,519.57 | Allstate | $6,521.58 | State Farm | $2,888.56 | GEICO | $3,127.90 |
Derby | $4,940.32 | Liberty Mutual | $7,514.91 | Allstate | $6,902.19 | State Farm | $3,300.29 | GEICO | $3,398.46 |
Take a look at the tables above and below, listing the most/least expensive carrier rates according to the city. As you can see, your location is a significant factor in the rates you can expect to pay.
Cheapest Cities in Connecticut | Average Annual Rate by City | Most Expensive Company | Most Expensive Annual Rate | 2nd Most Expensive Company | 2nd Most Expensive Annual Rate | Cheapest Company | Cheapest Annual Rate | 2nd Cheapest Company | 2nd Cheapest Annual Rate |
---|---|---|---|---|---|---|---|---|---|
Conning Towers Nautilus Park | $3,896.10 | Liberty Mutual | $6,416.79 | Allstate | $5,237.70 | GEICO | $2,455.10 | State Farm | $2,654.24 |
Mystic | $3,986.37 | Liberty Mutual | $6,416.79 | Allstate | $5,237.70 | GEICO | $2,455.10 | State Farm | $2,654.24 |
Canterbury | $4,028.12 | Liberty Mutual | $6,378.51 | Allstate | $5,403.39 | GEICO | $2,637.09 | State Farm | $2,684.12 |
East Lyme | $4,041.05 | Liberty Mutual | $6,503.20 | Allstate | $5,237.70 | GEICO | $2,573.58 | State Farm | $2,666.69 |
Niantic | $4,041.05 | Liberty Mutual | $6,503.20 | Allstate | $5,237.70 | GEICO | $2,573.58 | State Farm | $2,666.69 |
North Stonington | $4,068.88 | Liberty Mutual | $6,326.05 | Allstate | $5,225.68 | GEICO | $2,545.86 | State Farm | $2,684.12 |
South Windham | $4,070.37 | Liberty Mutual | $6,913.93 | Allstate | $5,338.09 | State Farm | $2,684.12 | GEICO | $2,784.21 |
Windham | $4,070.37 | Liberty Mutual | $6,913.93 | Allstate | $5,338.09 | State Farm | $2,684.12 | GEICO | $2,784.21 |
Old Saybrook | $4,076.16 | Liberty Mutual | $6,631.86 | Allstate | $5,244.00 | GEICO | $2,480.89 | State Farm | $2,666.69 |
Scotland | $4,084.20 | Liberty Mutual | $6,537.83 | Allstate | $5,403.39 | GEICO | $2,637.09 | State Farm | $2,684.12 |
Bozrah | $4,085.37 | Liberty Mutual | $6,821.20 | Allstate | $5,237.70 | GEICO | $2,637.09 | State Farm | $2,684.12 |
Old Lyme | $4,087.72 | Liberty Mutual | $6,430.78 | Travelers | $5,354.34 | GEICO | $2,573.58 | State Farm | $2,666.69 |
Essex Village | $4,088.33 | Liberty Mutual | $6,693.61 | Allstate | $5,244.00 | GEICO | $2,480.89 | State Farm | $2,666.69 |
Ivoryton | $4,088.33 | Liberty Mutual | $6,693.61 | Allstate | $5,244.00 | GEICO | $2,480.89 | State Farm | $2,666.69 |
Salem | $4,091.02 | Liberty Mutual | $6,780.41 | Allstate | $5,237.70 | State Farm | $2,684.12 | GEICO | $2,708.26 |
Westbrook | $4,093.66 | Liberty Mutual | $6,728.53 | Allstate | $5,244.00 | State Farm | $2,666.69 | GEICO | $2,832.06 |
Quaker Hill | $4,094.49 | Liberty Mutual | $6,643.12 | Travelers | $5,363.30 | State Farm | $2,654.24 | USAA | $2,700.71 |
Waterford | $4,094.49 | Liberty Mutual | $6,643.12 | Travelers | $5,363.30 | State Farm | $2,654.24 | USAA | $2,700.71 |
Lebanon | $4,099.90 | Liberty Mutual | $6,376.82 | Allstate | $5,469.52 | State Farm | $2,684.12 | GEICO | $2,784.21 |
Deep River | $4,103.33 | Liberty Mutual | $7,027.36 | Allstate | $5,244.00 | GEICO | $2,480.89 | State Farm | $2,666.69 |
Central Village | $4,105.28 | Liberty Mutual | $6,571.22 | Allstate | $5,573.25 | GEICO | $2,545.86 | State Farm | $2,684.12 |
Moosup | $4,105.28 | Liberty Mutual | $6,571.22 | Allstate | $5,573.25 | GEICO | $2,545.86 | State Farm | $2,684.12 |
Plainfield | $4,105.28 | Liberty Mutual | $6,571.22 | Allstate | $5,573.25 | GEICO | $2,545.86 | State Farm | $2,684.12 |
East Haddam | $4,112.43 | Liberty Mutual | $6,707.15 | Travelers | $5,328.44 | GEICO | $2,480.89 | State Farm | $2,666.69 |
Moodus | $4,112.43 | Liberty Mutual | $6,707.15 | Travelers | $5,328.44 | GEICO | $2,480.89 | State Farm | $2,666.69 |
There are so many auto insurance carriers vying for your business these days, it’s hard to know which ones actually come through on their promises.
No need to worry, we’ve got you covered! Keep scrolling to find out who the 10 best providers are across the state.
Ready to go? Let’s get this show on the road…
AM Best gives insurance companies financial ratings. A good score means they are highly likely to stay solvent and have the ability to pay customer claims.
Company | A.M. Best Rating | Direct Premiums Written | Market Share | Loss Ratio |
---|---|---|---|---|
Allstate Insurance Group | A+ | $304,028 | 54.93% | 10.36% |
Amica Mutual Group | A+ | $111,152 | 60.16% | 3.79% |
Geico | A++ | $528,907 | 75.82% | 18.02% |
Liberty Mutual Group | A | $297,602 | 64.66% | 10.14% |
Metropolitan Group | A | $105,129 | 59.38% | 3.58% |
Nationwide Corp Group | A+ | $123,130 | 63.22% | 4.19% |
Progressive Group | A+ | $268,001 | 63.25% | 9.13% |
State Farm Group | A++ | $192,401 | 61.48% | 6.55% |
Travelers Group | A++ | $195,421 | 72.77% | 6.66% |
USAA Group | A++ | $137,617 | 70.23% | 4.69% |
Besides premiums, one of the other components that should factor into your decision when picking an insurance carrier is customer ratings. Want to find out what customers really think about the top Connecticut auto insurance carriers?
Here we go…
The complaint index of each company calculates how much larger a company’s share of complaints is compared to its share of profits across the state. Companies that have a complaint index higher than one are worse than the average insurer in Connecticut, and those with an index below one are better than average.
Auto Insurance Companies | Total Premiums Underwritten | Complaint Index |
---|---|---|
21st Century | 37,653,469 | 0.17 |
ACE Insurance | 14,181,973 | 0.67 |
AIG | 16,170,340 | 0.2 |
Allstate | 287,638,673 | 0.21 |
Ameriprise | 12,120,650 | 0.53 |
Amica | 100,860,211 | 0.09 |
Arbella Mutual Insurance Company | 27,559,136 | 0.23 |
CSAA Insurance | 29,494,351 | 0.11 |
Esurance | 25,633,807 | 0.5 |
Foremost | 15,661,722 | 1.02 |
Geico | 416,237,784 | 0.16 |
Great Northern Insurance | 21,767,845 | 0.29 |
Hanover | 45,255,598 | 0.14 |
Hartford | 130,699,592 | 0.44 |
Kemper | 24,459,018 | 0.13 |
Liberty Mutual | 207,051,836 | 0.26 |
MAPFRE Insurance | 29,797,361 | 0.21 |
MetLife | 104,777,455 | 0.37 |
Michael Karfunkel Grantor Annuity Trust | 25,675,383 | 0.37 |
Middlesex Mutual Assurance Company | $47,923,184 | 0 |
Nationwide | 145,021,307 | 0.15 |
Ohio Mutual Insurance Company | 186,415,619 | 0.02 |
Omni Insurance | 10,283,004 | 2.48 |
Plymouth Rock | 22,906,946 | 0.56 |
Progressive | 240,385,770 | 0.15 |
QBE Insurance | 11,585,179 | 0.28 |
Safeco | 130,270,662 | 0.27 |
State Auto | 31,986,932 | 0.1 |
State Farm | 136,602,831 | 0.12 |
Travelers | 184,353,835 | 0.12 |
USAA | 103,549,831 | 0.4 |
Zurich Insurance Group | 17,576,080 | 0.36 |
Bear in mind, some complaints are based on general customer satisfaction, so factor that into your final decision.
We understand that rates are one of the biggest, if not the biggest factor when you pick Connecticut auto insurance. The below chart shows nine of the top carriers in the state, along with their average rates compared to the overarching state average.
Company | Annual Average | Compared to State Average | Percent over/under State Average |
---|---|---|---|
State Farm Mutual Auto | $2,976.24 | -$1,642.68 | -55.19% |
Geico General | $3,073.66 | -$1,545.26 | -50.27% |
USAA CIC | $3,190.00 | -$1,428.92 | -44.79% |
Nationwide Discover Agency | $3,672.34 | -$946.58 | -25.78% |
Progressive Casualty | $4,920.35 | $301.43 | +6.13% |
Allstate F&C | $5,831.60 | $1,212.68 | +20.79% |
Travelers Home & Marine Ins Co | $6,004.29 | $1,385.37 | +23.07% |
Safeco Ins Co of IL | $7,282.87 | $2,663.95 | +36.58% |
Our researchers discovered that Safeco charges the most in average premiums, with Travelers coming in at 2nd place for the highest annual rates. Meanwhile, State Farm comes in number one for the most affordable average rates.
The table below compares the rates of top carriers in the state against average commute times. Interestingly enough, Liberty Mutual comes out over Travelers with the highest premium ratio to annual mileage.
Group | 10 Miles Commute, 6,000 Annual Mileage | 25 Miles Commute 12,000 Annual Mileage |
---|---|---|
Liberty Mutual | $7,282.87 | $7,282.87 |
Travelers | $6,004.29 | $6,004.29 |
Allstate | $5,831.60 | $5,831.60 |
Progressive | $4,920.35 | $4,920.35 |
Nationwide | $3,672.34 | $3,672.34 |
USAA | $3,151.80 | $3,228.20 |
Geico | $3,026.65 | $3,120.67 |
State Farm | $2,902.75 | $3,049.73 |
Commute times don’t affect your rates as much as some other factors.
Company | Annual Rate with High Coverage | Annual Rate with Medium Coverage | Annual Rate with Low Coverage |
---|---|---|---|
Allstate | $6,172.41 | $5,823.32 | $5,499.08 |
Geico | $3,347.61 | $3,033.89 | $2,839.48 |
Liberty Mutual | $7,625.34 | $7,227.27 | $6,996.02 |
Nationwide | $3,589.35 | $3,699.88 | $3,727.81 |
Progressive | $5,318.35 | $4,875.19 | $4,567.50 |
State Farm | $3,157.66 | $2,981.27 | $2,789.79 |
Travelers | $6,499.29 | $5,961.96 | $5,551.63 |
USAA | $3,396.11 | $3,193.11 | $2,980.78 |
Group | Annual Rate with Good Credit | Annual Rate with Fair Credit | Annual Rate with Poor Credit |
---|---|---|---|
Allstate | $4,455.94 | $5,615.43 | $7,423.44 |
Geico | $2,053.29 | $2,696.58 | $4,471.11 |
Liberty Mutual | $5,064.02 | $6,442.61 | $10,341.99 |
Nationwide | $2,889.69 | $3,264.41 | $4,862.94 |
Progressive | $4,602.01 | $4,804.53 | $5,354.50 |
State Farm | $2,134.56 | $2,652.13 | $4,142.03 |
Travelers | $5,517.46 | $5,680.08 | $6,815.35 |
USAA | $2,505.79 | $2,847.51 | $4,216.70 |
According to a study conducted by Experian, the average resident of Connecticut has a credit card VantageScore of 690 and around 3.23 credit cards in their name. The average Connecticut consumer has a credit card balance of $7,258.
If you think that your credit card debt and auto insurance rates have no correlation, think again. Insurance carriers run credit checks on their insureds to assess the likelihood of them filing a claim at any point. If your credit score doesn’t meet their standards, you might just see a spike in your rates, regardless if you’ve had an accident or not.
Group | Clean Record | One Speeding Violation | One Accident | One DUI |
---|---|---|---|---|
Allstate | $4,964.26 | $4,964.26 | $6,130.79 | $7,267.10 |
Geico | $1,942.20 | $2,384.75 | $2,546.81 | $5,420.88 |
Liberty Mutual | $6,377.55 | $6,859.28 | $7,985.83 | $7,908.84 |
Nationwide | $2,991.13 | $3,331.67 | $3,900.02 | $4,466.56 |
Progressive | $4,197.03 | $4,975.08 | $6,093.37 | $4,415.90 |
State Farm | $2,770.61 | $3,044.79 | $3,044.79 | $3,044.79 |
Travelers | $4,833.25 | $6,327.84 | $5,235.67 | $7,620.42 |
USAA | $2,470.92 | $2,470.92 | $3,104.24 | $4,713.93 |
As you’ll note in the table above, your driving history has a direct effect on the premiums you can expect to pay. If you look at the rates listed for Geico, for example, you’ll notice that the rate difference for a clean record vs. one DUI is over a $3,500 premium jump which is a 64 percent increase!
Company | Direct Premiums Written | Loss Ratio | Market Share |
---|---|---|---|
Allstate Insurance Group | $304,028 | 54.93% | 10.36% |
Amica Mutual Group | $111,152 | 60.16% | 3.79% |
Geico | $528,907 | 75.82% | 18.02% |
Liberty Mutual Group | $297,602 | 64.66% | 10.14% |
Metropolitan Group | $105,129 | 59.38% | 3.58% |
Nationwide Corp Group | $123,130 | 63.22% | 4.19% |
Progressive Group | $268,001 | 63.25% | 9.13% |
State Farm Group | $192,401 | 61.48% | 6.55% |
Travelers Group | $195,421 | 72.77% | 6.66% |
USAA Group | $137,617 | 70.23% | 4.69% |
Property & Casualty Insurance | Number |
---|---|
Domestic | 67 |
Foreign | 729 |
Total | 796 |
In order to keep your auto insurance rates low, you have to know the laws in your state so you’re not blindsided by a fine.
Don’t worry! We’re here to help.
Keep reading to learn about the laws specific to the state of Connecticut.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Auto insurance laws vary from state to state, and Connecticut is no different, but they are certainly more straight forward than other states’ laws — CT takes it seriously.
Connecticut has an all driver ban on any handheld device. They even clarify no blue-tooth conversations for those under 18 with an “all cell phone ban” …and it is primarily enforced.
Lawmakers in Connecticut keep it simple. It’s “10 and 2” for you, Connecticut residents!
Primary enforcement means that you don’t have to be pulled over for anything else to get a citation for using any type of communication device.
Maybe lawmakers saw this video made by two entertaining scientists that put our assumptions about safe driving to the test.
Jamie and Adam always know what’s empirically best!
The bad news?
No driver in Connecticut, no matter the age, is ever required to take a vision test to renew his or her license.
The only time a vision test is required is when teens first get their license and new residents to Connecticut.
Getting the right coverage at the right price doesn’t take excellent vision.
For drivers with a history of accidents or traffic violations, they may find themselves unable to purchase coverage from an auto insurance carrier. This is where a type of insurance known as high-risk insurance comes into play.
But, don’t fret!
If you are having trouble finding an auto insurance carrier, you may apply for insurance through the Connecticut Automobile Insurance Assigned Risk Plan (CT AIARP or the “Plan”).
All insurance companies in Connecticut must be certified by the Governing Committee in order to sign you up for AIARP. You must verify that you have tried and failed to get reasonable rates within 60 days of serving the consequences for your conviction.
The state of Connecticut currently does not provide any special low-cost insurance programs. Connecticut law requires drivers to carry a minimum amount of liability insurance. Penalties for not having insurance can be severe. You can’t afford not to have insurance.
While some states mandate a waived deductible for windshield repairs, and others specify the use of only manufacturer replacement parts, Connecticut does permit replacement with aftermarket parts with written notice.
The consumer has the right to choose the repair vendor; however, you may have to pay the difference in price. There is not a law that mandates insurance companies in Connecticut to offer a zero deductible with comprehensive coverage, but it is an option.
If windshield coverage is something you desire, you will need to have comprehensive coverage and you will have to carefully examine how the different insurance providers handle windshield claims.
Insurance fraud is a criminal offense in the state of Connecticut, occurring when individual attempts to deceive an insurer to receive benefits or payouts they are not qualified to obtain.
There are three ways in which insurance fraud is committed:
Insurance fraud is considered a:
The state of Connecticut has a fraud bureau, but it does not apply to automobile insurance.
Simply put, don’t commit insurance fraud, and you’re good to go.
A statute of limitations is the limit on the amount of time you have to bring a lawsuit to court. Different states have different statutes of limitations for personal injury and property damage matters.
If you are ever in an auto accident involving extensive injuries and damages, you need to know your rights in the matter.
Connecticut Chapter 926 provides two years for any personal injury and three years for damage to personal property from the time of the accident.
Now, we all know that you can’t drive a car without a license. Let’s find out what mandatory vehicle licensing laws are in Connecticut.
Young Driver Licensing Laws | Age Restrictions | Passenger Restrictions | Time Restrictions |
---|---|---|---|
Learner's Permit: | 16 years | First 6 months—no passengers other than parents or a driving instructor; second 6 months—no passengers other than parents, driving instructor or members of the immediate family | 11 p.m. - 5 a.m. |
Provisional License | 12 months or until age 18, whichever occurs first (min. age: 17, 4 mos.) | First 6 months—no passengers other than parents or a driving instructor; second 6 months—no passengers other than parents, driving instructor or members of the immediate family | Nighttime restrictions will be lifted at age 18. |
Full License | 16 and 4 months; have a mandatory holding period of 6 months; (4 months with driver education); have a minimum supervised driving time of 40 hours | None | None |
To further engage teens in responsible driving, the Connecticut DMV has the Center for Teen Safe Driving which hosts a teen safe driving video content and sample knowledge tests.
Connecticut not only holds teens responsible but also parents! Before a teen may take the driver’s test, parents or guardians must attend two hours of instruction regarding teen driving laws.
Connecticut lawmakers are so supportive of responsible driving for teens, they even make a small curfew exception for prom night.
Renewal Procedures | General Population | Older Population |
---|---|---|
License renewal cycle | 6 years | 2 years or 6 years for people 65 and older, personal option |
Mail or online renewal permitted | No | No |
Proof of adequate vision required at renewal | No | No |
Connecticut also provides an incentive for individuals over the age of 60 who complete an accident prevention course. They are entitled by law to receive a minimum 5 percent discount regardless of driving history, for a period of two years of automobile insurance.
If you are about to make the move to Connecticut, here’s what you need to know:
Connecticut’s negligence laws err on the side of 51 percent comparative negligence.
What does this mean?
If you wish to pursue a case against the at-fault driver for additional damages, you must prove negligence on behalf of the other party as direct causation to your injuries.
However, the injured individual must be less than 51 percent at fault to claim damages. If it is discovered that you were 51 percent or more at fault, you would not be able to proceed with a claim against the other driver.
Furthermore, if you bear less than 51 percent of fault in the accident, the percentage of fault you carry will be subtracted from any damages you do recover.
Now, before you get out on the open road in the Nutmeg State, you need to know the rules so you can stay safe and keep your rates down.
Ready?
The first thing to know is that Connecticut follows a traditional fault-based system when it comes to financial responsibility for losses stemming from a crash: that includes car accident injuries, lost income, vehicle damage, and so on.
Connecticut chapter 248 section 14-230 states that you should keep right if you are you are moving more slowly than traffic with five exceptions.
Section 14-283b requires drivers to move over for emergency vehicles with fines of $2,500 if an emergency vehicle operator is injured and $10,000 death results.
Maximum posted speed limits are 65 mph on rural interstates, 55 mph on urban interstates, 65 mph on limited-access roads, and 55 mph on all other roads.
Seatbelt use in Connecticut is standard enforcement and requires anyone in the front seat to be eight years or older with a fine of $50 if violated.
Child safety seat laws in Connecticut are very specific based on age, weight, and type of seat.
Violation of the child seat law in Connecticut may not only put the child in danger, but could result in a base fine of $50, additional fees, and a mandatory child restraint education program for the first or second violation.
An adult belt is permissible for children 8-15 years old and over 60 pounds with no preference for the rear seat.
Connecticut law permits transport in the cargo area of a vehicle for people 16 and older; people 15 and younger if belted; parades; farming operations; and hayrides August through December.
Rideshare services like Uber and Lyft mandate that all their drivers carry personal auto insurance policies that align or exceed the minimum coverages dictated by state law. Drivers rarely carry their own commercial insurance coverage; however, Geico, Liberty Mutual, and State Farm do provide rideshare insurance in Connecticut.
According to the Insurance Institute for Highway Safety (IIHS),
“Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.”
Currently, Connecticut is testing the various types of driving automation on public roads. State law requires that a licensed operator be in the vehicle and have five million dollars in liability coverage.
But wait, there’s more! Let’s dig deeper into the safety laws in Connecticut to protect you on the open road.
Here’s what you need to know about the DUI regulations in Connecticut:
DUI Laws | Details |
---|---|
BAC Limit | 0.08 |
HIGH BAC Limit | N/A |
Criminal Status by Offense | 4th+ within 5 years is a felony; otherwise unclassified |
Formal Name for Offense | Driving Under the Influence (DUI) |
Look Back Period/Washout Period | 5 years |
Before you even think about getting behind the wheel after you’ve had a few drinks, take a look at the penalties you may face when you get pulled over.
DUI Penalties | First Offense | Second Offense | Third Offense | Fourth Offense |
---|---|---|---|---|
ALS or Revocation | 45 days +1 year with IID | 45 days +3 years with IID First year limited to travel to and from work, school, and substance abuse treatment program IID service center or probation appointment | License revoked, but eligible for reinstatment after two years If reinstated, must only drive IID vehicle This requirement may be lifted after 15 years by DMV commissioner | Same as third offense |
Imprisonment | Either: 1) Up to 6 months w/mandatory 2 day min OR 2) Up to six months suspended with probation requiring 100 hours community service | Up to 2 years with mandatory min of 120 consecutive days and probation with 100 hours community service | Up to three years Mandatory minimum of one year and probation with 100 hours community service | Same as third offense |
Fine | $500-$1000 | $1000-$4000 | $2000-$8000 | Same as third offense |
Mandatory Interlock | Yes | Yes | Yes | Yes |
Connecticut currently has no marijuana-specific impaired driving laws.
The state of Connecticut currently has strict laws regarding hand-held device usage, cellphone usage, and texting.
Do you want to know how safe it really is for drivers in Connecticut? Well, the data our researchers found might surprise you.
Let’s take a look…
In 2016 alone, there were just over 6,700 motor vehicle thefts in the state of Connecticut. Be especially careful in Waterbury, Bridgeport, New Haven, and Hartford because these four cities outnumber all other cities in the state by nearly 300 reported thefts.
Here are the top 10 stolen cars in Connecticut. If you own a Honda Accord or Civic, take extra precaution!
Make/Model | Year of Vehicle | Year | Thefts |
---|---|---|---|
Honda Accord | 1997 | 1997 | 534 |
Honda Civic | 1998 | 1998 | 532 |
Nissan Maxima | 1998 | 1998 | 184 |
Nissan Altima | 1997 | 1997 | 143 |
Toyota Camry | 2014 | 2014 | 131 |
Jeep Cherokee/Grand Cherokee | 2000 | 2000 | 110 |
Toyota Corolla | 1999 | 1999 | 99 |
Honda CR-V | 1998 | 1998 | 92 |
Dodge Caravan | 2000 | 2000 | 79 |
Acura TL | 2003 | 2003 | 76 |
The best way to stay safe while driving is to always keep your eyes on the road and stay aware of common risky driving issues in your state. In 2017, there were 59 traffic incident-related fatalities in Fairfield County alone, comprising a 6.21 percent fatality rate per 100,000 of the population.
Let’s delve into this a bit further…
The table below provides a breakdown of traffic-related fatalities in 2017.
Type | Number of Fatalities |
---|---|
Traffic Fatalities | 278 |
Passenger Vehicle Occupant Fatalities (All Seat Positions) | 162 |
Motorcyclist Fatalities | 57 |
Drivers Involved in Fatal Crashes | 376 |
Pedestrian Fatalities | 48 |
Bicyclist and other Cyclist Fatalities | 3 |
Not all fatalities involve a car. Motorcyclists and non-occupants are at risk as well.
Person Type | Number |
---|---|
Occupants (Enclosed Vehicles) | 170 |
Motorcyclists | 57 |
Nonoccupants | 18 |
Now let’s take a look at the various types of crashes that lead to traffic deaths in 2017.
Crash Type | Number |
---|---|
Single Vehicle | 161 |
Involving a Large Truck | 23 |
Involving Speeding | 99 |
Involving a Rollover | 38 |
Involving a Roadway Departure | 144 |
Involving an Intersection (or Intersection Related) | 71 |
Where do most traffic fatalities occur in Connecticut? Here’s a breakdown by county from 2013-2017.
County | 2013 | 2014 | 2015 | 2016 | 2017 |
---|---|---|---|---|---|
Fairfield County | 50 | 47 | 35 | 73 | 59 |
Hartford County | 79 | 56 | 63 | 60 | 60 |
Litchfield County | 19 | 16 | 22 | 16 | 20 |
Middlesex County | 17 | 13 | 21 | 18 | 10 |
New Haven County | 63 | 52 | 65 | 82 | 75 |
New London County | 29 | 31 | 29 | 27 | 28 |
Tolland County | 17 | 18 | 17 | 12 | 12 |
Windham County | 12 | 15 | 18 | 16 | 14 |
It pays to observe the speed limit while driving in Connecticut, or anywhere else. Speeding can be a major cause of fatal auto accidents as this table shows.
County | 2013 | 2014 | 2015 | 2016 | 2017 | Per 100K 2013 | Per 100K 2014 | Per 100K 2015 | Per 100K 2016 | Per 100K 2017 |
---|---|---|---|---|---|---|---|---|---|---|
Fairfield County | 17 | 15 | 13 | 20 | 22 | 1.8 | 1.58 | 1.37 | 2.11 | 2.32 |
Hartford County | 15 | 25 | 16 | 18 | 25 | 1.67 | 2.78 | 1.78 | 2.01 | 2.79 |
Litchfield County | 5 | 4 | 3 | 3 | 5 | 2.67 | 2.16 | 1.63 | 1.64 | 2.74 |
Middlesex County | 5 | 1 | 6 | 2 | 0 | 3.02 | 0.61 | 3.67 | 1.22 | 0 |
New Haven County | 25 | 11 | 21 | 28 | 20 | 2.89 | 1.27 | 2.44 | 3.26 | 2.32 |
New London County | 4 | 7 | 10 | 5 | 10 | 1.46 | 2.57 | 3.7 | 1.86 | 3.72 |
Tolland County | 3 | 3 | 4 | 4 | 4 | 1.97 | 1.98 | 2.64 | 2.65 | 2.64 |
Windham County | 2 | 3 | 4 | 2 | 2 | 1.7 | 2.57 | 3.43 | 1.72 | 1.72 |
If you’ve been drinking, think twice before getting behind the wheel. You don’t want to end up as one of the statistics below.
County | 2013 | 2014 | 2015 | 2016 | 2017 | Per 100K 2013 | Per 100K 2014 | Per 100K 2015 | Per 100K 2016 | Per 100K 2017 |
---|---|---|---|---|---|---|---|---|---|---|
Fairfield County | 21 | 17 | 17 | 24 | 28 | 2.23 | 1.8 | 1.79 | 2.53 | 2.95 |
Hartford County | 35 | 25 | 17 | 27 | 27 | 3.89 | 2.78 | 1.89 | 3.02 | 3.02 |
Litchfield County | 10 | 5 | 12 | 5 | 10 | 5.35 | 2.69 | 6.51 | 2.73 | 5.49 |
Middlesex County | 10 | 2 | 7 | 8 | 5 | 6.05 | 1.21 | 4.28 | 4.89 | 3.06 |
New Haven County | 29 | 19 | 21 | 34 | 29 | 3.35 | 2.2 | 2.44 | 3.95 | 3.37 |
New London County | 9 | 15 | 13 | 11 | 12 | 3.29 | 5.52 | 4.81 | 4.08 | 4.46 |
Tolland County | 10 | 8 | 8 | 5 | 4 | 6.58 | 5.27 | 5.27 | 3.31 | 2.64 |
Windham County | 3 | 6 | 5 | 4 | 6 | 2.55 | 5.14 | 4.29 | 3.45 | 5.16 |
Driving under the influence is never a good idea. But if you’re under the legal drinking age, it makes matters worse. Although Connecticut ranks below the national average, it still has it’s share of teen drinking-related auto fatalities.
Teens and Drunk Driving | Laws |
---|---|
Alcohol-Impaired Driving Fatalities Per 100K Population | 0.9 |
Higher/Lower Than National Average (1.2) | lower |
DUI Arrest (Under 18 years old) | 41 |
DUI Arrests (Under 18 years old) Total Per Million People | 54.43 |
Read about the penalties for a drunk driving conviction in Connecticut.
You’ve been in an accident in Connecticut and need medical assistance. How long will it be until help arrives? The answer may depend on where the accident took place.
Type of Crash | Time of Crash to EMS Notification | EMS Notification to EMS Arrival | EMS Arrival at Scene to Hospital Arrival | Time of Crash to Hospital Arrival |
---|---|---|---|---|
Rural Fatal Crashes | 2.17 | 9.47 | 39.67 | 48.60 |
Urban Fatal Crashes | 2.27 | 6.44 | 26.61 | 34.55 |
If you live in Connecticut, chances are you live in a household with two or more cars, drive alone to work, and spend at least 10-30 minutes of your day commuting!
Most households in Connecticut own two cars. Three-car households are the next largest segment of the population followed closely by single-car owners. Roughly four percent of the working population work from home.
With an average commute time of 25.3 minutes, Connecticut ranks just a hair below the national average (25.7 minutes). Some residents of Connecticut (3.46 percent to be exact) even suffer through a “super commute” — spending in excess of 90 minutes in the car!
Over 77 percent of Connecticut commuters prefer to drive to work alone which doesn’t exactly rank Connecticut as the greenest option when it comes to carbon emissions. Carpooling being is a distant second choice for commuters.
Now, you have the facts! You’ve also been able to see what kind of auto insurance you need and how much it costs from the largest companies. Because you’re an individual, your rates will be unique to you.
It’s very important to compare rates for yourself so you can get the coverage you need at the best rate. Enter your ZIP code below to get started!
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