All vehicles registered in the State of Connecticut must have car insurance which meets the minimum CT car insurance requirements as outlined by the Connecticut Insurance Department.
The State of Connecticut is home to a smaller market than California or Florida however it still has a very healthy auto insurance industry where drivers can find very affordable coverage from reputable car insurance companies such as Allstate, GEICO and Progressive. In fact, over 50 car insurance companies offer auto insurance coverage in Connecticut so it will be up to you find the best rates.
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Connecticut Car Insurance Requirements
Liability insurance is mandatory for vehicles registered in Connecticut. While liability insurance does NOT over damages to your vehicle or injuries sustained personally it does provide some form of protection for damage/injuries to other peoples. The 2010 minimum requirements for Connecticut Car Insurance are:
- $20,000 in liability insurance for injuries suffered to a single motorist (where you were responsible for the accident)
- $40,000 in liability coverage for the total cost of medically related expenses to injuries sustained by all persons injured
- $10,000 in property damage coverage
Most drivers choose to have much more coverage than just state minimums including not only higher policy limits but also the addition of comprehensive insurance, collision insurance, GAP insurance and more. Learn about the types of car insurance available in Connecticut here.
Is Connecticut a No Fault car Insurance State?
No. Connecticut operates under the tort system where the person who is deemed to be “at-fault” is responsible for the cost of damages/ injuries sustained to others. Only less than a dozen states have no-fault car insurance laws and Connecticut did have such law in place before 1994 but this law was repealed.
If you live in a state which does not have the protection of No Fault car insurance laws then you should always consider much higher limits than state minimum car insurance coverage requirements as the possibility of litigation arising from even a minor accident is quite high.
Connecticut Car Insurance Discounts
All drivers in Connecticut are entitled to most of the same car insurance discounts available in other states however many times receiving any kind of auto insurance policy discount will depend on your knowledge of the discounts available. Before shopping for car insurance we would encourage anyone to learn about popular car insurance discounts such as:
- Multi-Vehicle Discounts
- Good Grade Discounts for Young Drivers
- Low Mileage Drivers (especially those CT residents who commute by train)
- Safety Feature Discounts (Airbags etc…)
- Anti-Theft Discounts (LoJack etc..)
A number of Connecticut car insurance discounts are available so always question any potential insurance provider about what discounts they offer and mention any type of discount you have read about it as often some agents don’t remember to offer you all the auto insurance discounts you may be eligible for.
Connecticut Car Insurance Quotes
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