Connecticut Car Insurance

Connecticut is known as the Constitution State it’s a great place for you to track down some information and get things going. With the natural beauty and the historic scenery behind it some people may actually consider it Heaven on Earth. But in order for you to enjoy all of these different sceneries you’re more than likely probably going to drive around. And that’s all great because you have the freedom to go and come as you please but in order for you to do that, you’ll need to have car insurance. So we put together all the information you need to know about anything and everything car insurance in Connecticut.

Minimum Requirements

Connecticut has a minimum requirement of what type of car insurance every driver on the road must-have. You will need to have a combination of both liability insurance and uninsured and underinsured motorist coverages. Here’s the minimum coverage you need in the state of Connecticut:

Liability insurance

Liability insurance is legally required in the state of Connecticut simply because it’s there to pay for any injuries and lost wages to another person who has been affected by you in an accident. In other words, you’re are at fault in the accident.

  •  $25,000 in bodily injury coverage per person.
  •   $50,000 bodily injury coverage per accident
  •  $25,000 property damage per accident

Underinsured and Uninsured Motorist Coverage

Underinsured and uninsured motorist coverage is required as well the state of Connecticut. This type of insurance is there to make sure that if you have been in an accident and the other driver has failed to have adequate coverage on their liability insurance coverage or in another scenario not have insurance coverage at all oh, you’ll be covered. So other words are you required to have this to make sure that you’re not putting the position of financial hardships.

  •  $25,000 bodily injury coverage per person
  •  $50,000 bodily injury coverage per accident

 Of course, as I said before these are the minimum coverage limits that are required in the state of Connecticut. We highly recommend that you look at the different coverage rates that are applicable to these categories. You know if the state of telling you you need to have these types of coverages, you definitely should look into the different options available as well. 

Optional Coverage

The minimum requirements may not be as much but for the sake of yourself, we highly recommend considering other coverage options too.

 Definitely take a look at the following:

  • Collision insurance
  • Comprehensive insurance
  • Gap insurance 
  • Medical payments

Sometimes people think that having a minimum coverage is more than enough. And in some cases that might actually be true depending on your situation. But for most Americans looking outside the box of the minimum requirements you need is a Saving Grace. Explain your options in finding the best insurance company to give you the best rate with everything you need is key. That’s why we recommend shopping around to find the best rate.

Save yourself the headache I’m getting into something that you might regret, take time to do the research and speak to an insurance agent for all the help you need. Want to contact a local insurance agent in Connecticut for your car insurance? If you’re interested click here to call now. 

Average Cost of Car Insurance in Connecticut

The average cost of auto insurance in Connecticut is in and around $1,544 a year. Compare this directly to the national average, it is significantly higher. You’re looking at about 8 percent increase overall.

 Although please keep in mind that there are many factors that go into your auto insurance premium, and you may not get the same rates across the board. Which is why we recommend shopping around.

Connecticut is a Fault-based State

Connecticut is categorized as a fault-based state when it comes to Insurance. Essentially it means that the person deemed at fault in the accident pays for the claims for the other party. Although if you feel that the pair was insufficient you can take alternative means of action receive a higher payout.