Connecticut Car Insurance: The Complete 2025 Guide
Navigate car insurance in one of America's wealthiest—and most expensive—states.
Connecticut Quick Facts
🤯 The Connecticut Mindblower
Connecticut has the highest per-capita income in the US, which means expensive cars and high repair costs. But here's the kicker: CT also has some of the strictest UM/UIM requirements—you MUST carry uninsured motorist coverage at the same limits as your liability. No opting out.
Connecticut Minimum Insurance Requirements
Connecticut operates under a traditional at-fault (tort) system with the following minimums:
| Coverage Type | Minimum Required | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Medical bills for one injured person |
| Bodily Injury (per accident) | $50,000 | Total medical bills per accident |
| Property Damage | $25,000 | Damage to other vehicles/property |
| Uninsured Motorist BI | $25,000/$50,000 | Mandatory—same as liability |
| Underinsured Motorist BI | $25,000/$50,000 | Mandatory—same as liability |
Good news: Connecticut's mandatory UM/UIM coverage is a strong consumer protection. If an uninsured driver hits you, your own policy covers your injuries.
Average Car Insurance Costs in Connecticut
| Coverage Level | Annual Premium | Monthly Cost |
|---|---|---|
| State Minimum | $756 | $63 |
| Full Coverage | $2,156 | $180 |
Costs by Connecticut City
| City | Avg. Annual Premium | vs. State Avg. |
|---|---|---|
| Bridgeport | $3,450 | +60% |
| Hartford | $3,180 | +47% |
| New Haven | $2,890 | +34% |
| Stamford | $2,340 | +9% |
| Fairfield County (suburbs) | $1,890 | -12% |
Top Car Insurance Companies in Connecticut
GEICO
Often CheapestStrong presence in CT. Competitive rates for good drivers. Complaint ratio: 1.12
Amica
Best ServiceRhode Island-based, strong in New England. Dividend policies available. Complaint ratio: 0.48
Travelers
CT HeadquarteredHartford-based company. Strong local presence. Bundling discounts.
USAA
Lowest ComplaintsMilitary families only. Excellent claims service. Complaint ratio: 0.51
Connecticut-Specific Insurance Laws
Modified Comparative Negligence (51% Rule)
You can recover damages if you're 50% or less at fault. At 51%+ fault, you collect nothing. Your recovery is reduced by your percentage of fault.
Credit Score Restrictions
Connecticut allows credit-based insurance scores, but with consumer protections. Insurers cannot use absence of credit history against you, and must inform you if credit negatively affected your rate.
High-Value Vehicle Considerations
Fairfield County has one of the highest concentrations of luxury vehicles in the US. Standard comprehensive coverage may not be enough—consider agreed value policies for collector or exotic cars.
Teen Driver Requirements
Connecticut has a graduated license program. Teen drivers face passenger restrictions and nighttime curfews. Insurance rates for teens are among the highest in the nation due to the state's expensive vehicles.
Frequently Asked Questions
Why is Connecticut car insurance expensive?
High per-capita income means expensive vehicles and repair costs. Dense population in urban areas. High labor costs for repairs. And mandatory UM/UIM coverage adds to base premiums.
Is Connecticut a no-fault state?
No, Connecticut is an at-fault (tort) state. The driver who causes an accident is responsible for damages. You can sue the at-fault driver for injuries and property damage.
Can I waive uninsured motorist coverage in CT?
No. Connecticut requires UM/UIM coverage at the same limits as your liability coverage. You cannot opt out or reduce it below your liability limits.
Bottom Line: Connecticut Car Insurance
Connecticut's wealth and vehicle costs make insurance pricier than most states. The mandatory UM/UIM coverage is actually a benefit—it protects you from uninsured drivers without extra cost decisions.
Shop between GEICO (usually cheapest), Amica (best service), and Travelers (local bundling). Take advantage of multi-policy discounts, as they can save 15-25% in this high-premium state.