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Here's the latest available information regarding rates, limits, carriers, and quotes for Connecticut car insurance.

This page will help drivers in the state of Connecticut score the lowest possible premiums on their auto insurance policies.


minimum liability coverage for connecticut drivers

The state of Connecticut requires no less than 20/40/10 in coverage, per vehicle. So drivers in Connecticut must purchase

  • $20,000 in Personal Injury Protection (PIP)
  • $40,000 in per-accident insurance
  • $10,000 coverage for property damage

Unlike most states, Connecticut state law requires drivers to also buy Uninsured Motorist Insurance (UMI) as part of a basic auto insurance policy.

According to the Insurance Information Institute, drivers all over America would need $100,000 in personal injury coverage and $300,000 in multiple injury coverage per vehicle to cover the actual cost of an accident. 

penalties for uninsured drivers in connecticut

Driving without insurance in Connecticut can result in expensive fines and suspended licenses. Repeat offenders face increasingly serious legal consequences. Additional annoyances include increased car insurance estimates for annual premium payments. 

According to data from, the rate of uninsured drivers in the state of Connecticut is less than 10%. 

average auto insurance rates in connecticut

The average annual premium for car insurance in Connecticut was $1,831 this year.

This amount is quite a bit above the overall national average annual premium for car insurance during the same time period, which was around $1,365. 

The cost of car insurance premiums are affected in many ways. These include site-specific elements like climate, economy, crime rates, and population density, for instance. 

Other influences on annual premiums are personal characteristics such as the driver's age, gender, marital status, criminal record, driving record, annual mileage, and car model owned, among other things. 

discounts on car insurance estimates from favored carriers

The favorite auto insurance company in the state of Connecticut is Erie Car Insurance, which offers all kinds of driver discounts. For example,

  • The Anti-Theft Device Discount for installed anti-theft devices like car alarms and wheel locks.
  • The Defensive Driving Course Discount for seniors 55 and older who take the required course.
  • The Good Driving Discount is for drivers with no moving violations or at-fault accidents over a three year period.
  • The Good Student Discount rewards high academic standing.
  • The Multiple Policy discount, for holders of more than one insurance policy with the same company.
  • The Passive Restraint discount, for certain installed features in your vehicle
  • The Vehicle Safety discount, for owning certain safer types of cars. 

Ask at least a few local agents about discounts on Connecticut car insurance. Then simply factor in all the discounts you qualify for, compare costs, and grab the lowest rate. 

Car Insurance quotes in connecticut

According to recent online reviews, Connecticut's most popular national car insurance carriers are

  • Allstate
  • Auto Owners Insurance
  • The Hartford
  • State Farm
  • 21st Century Insurance

Still, many Connecticut car owners prefer local insurance companies such as Erie.

Overall, Connecticut has no shortage auto insurance providers offering competitive rates. Call five local agents and get five quotes. You can also get more free quotes online.

Don't forget to ask about the DISCOUNTS!

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