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CT
Connecticut car insurance
Getting car insurance in Connecticut
Getting car insurance in Connecticut starts with understanding the state's coverage requirements and factors that can affect your rate. Connecticut's dense population and location between New York City and Boston leads to heavy commuter traffic. Severe winter weather and higher vehicle values may also influence the cost of insurance.
Progressive helps Connecticut drivers navigate these factors and more with flexible coverage options and transparent pricing. Easy-to-use tools help drivers compare coverage and find ways to save.
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What are the minimum auto insurance requirements in Connecticut?
Connecticut currently requires drivers to carry the following auto insurance coverages.
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability |
What it covers
Injuries you cause to others in an accident |
Minimum amount
$25,000 per person |
|
Property damage liability |
What it covers
Damage you cause to other people's property in an accident |
Minimum amount
$25,000 per accident |
|
Uninsured/underinsured motorist bodily injury |
What it covers
Injuries caused by uninsured or underinsured drivers |
Minimum amount
$25,000 per person |
|
Uninsured/underinsured motorist property damage |
What it covers
Damage to your property caused by uninsured or underinsured drivers |
Minimum amount
$25,000 per accident |
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Car insurance discounts in Connecticut
Car insurance discounts in Connecticut can help lower your rate based on how you drive, the vehicle insured, and how you manage your policy. Progressive offers discounts to help Connecticut drivers get a better deal on car insurance. Popular discounts available in Connecticut include:
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Multi-car
Save when you have more than one vehicle listed on your policy. You can add any car to your auto policy (belonging to a spouse, family member, or roommate), as long as it's kept primarily at your address.
-
Multi-policy
Save when you have two or more policies with Progressive. For instance, if you carry auto and boat insurance with us, you'll enjoy a discount on one of those policies.
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5-year accident-free discount
The 5-year accident-free discount recognizes drivers who have gone five years without an at-fault accident, rewarding a consistent history of safe driving.
What is the average cost of car insurance in Connecticut?
The average cost of car insurance in Connecticut is generally higher than the national average. Based on Progressive's internal data, the average cost of a six-month liability-only policy was $138.62 per month in 2025.†
Factors that impact your auto insurance rate in Connecticut
Many factors can impact how much you pay for auto insurance in Connecticut, including:
- Driving history:Tickets, accidents, and prior claims can affect your rate.
- Vehicle type and value: Your car's make, model, age, safety technology, and repair costs are factored into your price. Higher vehicle values can lead to higher claim costs.
- Location: Traffic density and accident frequency vary across the state. Busy commuter routes like I-95, I-84, I-91, and the Merritt Parkway often experience heavier traffic and more frequent claims, which can lead to higher rates in urban areas.
- Weather risks: Snow and ice increase the likelihood of winter accidents. Connecticut law requires drivers to remove snow and ice from their vehicles before driving, and you may be held liable if falling debris causes injury or damage.
- Coverage choices and deductibles: The coverages you select, your limits, and your deductible amounts affect your premium.
Recommended additional auto insurance coverages in Connecticut
Connecticut requires drivers to carry bodily injury and property damage liability coverage as well as uninsured/underinsured motorist coverage. However, these coverages may not cover all costs after an accident. Adding optional coverages can deliver extra protection, help fill gaps in your policy, and give you peace of mind:
Coverage
|
Coverage |
What it covers |
|---|---|
|
Medical payments (MedPay) |
What it covers
Medical and funeral expenses for you and covered household members after an accident |
|
Comprehensive |
What it covers
Cost to repair or replace your car if it's damaged by hail, fire, theft, wind, flood, vandalism, and other covered events |
|
Collision |
What it covers
Cost to repair your vehicle if it overturns or collides with another vehicle or object |
Connecticut driving resources
Learn more about Connecticut's driving laws and insurance requirements. Keep in mind that local governments may have additional rules or requirements.
- Connecticut Department of Motor Vehicles (DMV): Find official information on driver licensing, vehicle registration, and Connecticut driving laws.
- Connecticut DMV mobile app: Get details and download links for the official Connecticut DMV mobile app, which lets drivers access digital services such as DMV forms and manage tasks on the go.
- Connecticut DMV driver's manual: Download the state's official handbook, which covers traffic laws, road signs, and safe driving practices.
How to get car insurance in Connecticut with Progressive
Progressive makes it easy for Connecticut drivers to compare coverage options, and get a competitive auto insurance quote.
-
Go online
We ask easy questions, and you customize your coverages.
-
Call a rep
Talk with a licensed representative who can guide you through the process.
-
Through an agent
Connect with an independent agent in your area.
What else needs protection in Connecticut?
Connecticut car insurance FAQs
Is Connecticut a no-fault state?
No, Connecticut uses an at-fault system for auto insurance claims. If you cause an accident, your liability coverage pays for injuries and property damage, up to your policy's limit.
How do I lower my car insurance in Connecticut?
You may lower your rate by choosing coverage limits and deductibles that fit your needs, maintaining a clean driving record, qualifying for discounts, bundling policies, or participating in programs like Snapshot. Reviewing your policy regularly and comparing quotes can also help you find the best price on car insurance.
What happens if my car insurance lapses in Connecticut?
Connecticut law requires drivers to carry car insurance. If your coverage lapses, your insurer will notify the DMV, and you may receive a compliance notice or warning from the DMV. The DMV may suspend your vehicle registration and require you to pay a civil penalty or enter into a consent agreement to reinstate your registration. You must provide proof of insurance to restore your registration.
