The State of Connecticut requires drivers to carry minimum levels of car insurance coverage, or face a fine and possible driver's license suspension. While obtaining the proper amount of insurance isn't always easy, there are many ways to lower your premiums and ensure that you have enough protection to cover damages in the event of an accident.
Best Car Insurance Companies In CT
Best car insurance companies Connecticut offer discounts and special offers to students, veterans, good motorists, homeowners, and many more. These companies also typically offer high-quality customer service and flexible payment plans. Get a quote on the right policy to save money.
Auto Insurance in CT - Rates
Connecticut's average auto insurance rates are lower than the national average. However, they may be higher if your vehicle is older or you live in an expensive area. It is important to compare rates from several providers in order to get the best deal.
Minimum Required Car Insurance in CT
Connecticut requires drivers have liability coverage, which pays for injuries and damages caused by the vehicle you drive if found liable. The state also requires uninsured/underinsured motorist (UM/UIM) coverage to protect you in the event of a crash.
Your insurance company's liability limits determine the maximum amount they will pay to cover any injuries or property damage that you may have caused in an accident. The state's minimum liability limits are $25,000 for each person's bodily injury and $50,000 for all injuries.
For additional protection against vehicle theft and damage, you should also look into a comprehensive or collision policy. If your vehicle is damaged due to an accident, these policies can assist you in paying for repairs and new vehicles.
Top Discounts for Car Insurance in CT
These top Connecticut auto insurance companies provide a range of discounts in order to attract more customers. These discounts are available for paying your bills in full, reducing your mileage, maintaining a clean record of driving, or purchasing a model that is newer.
Auto Insurance Rates for Younger drivers are Higher in CT
The most common reason for an increase in car insurance is that a driver's age and experience are both younger. It means that they are more likely than experienced drivers to file a car insurance claim, increasing their rates.
If you are under 30, you can save money by enrolling yourself in a crash prevention program or taking a course on defensive driving. The programs you enroll in can not only reduce your rates, but they will also increase insurance coverage.
The average yearly car insurance rate in Connecticut is $1,462. The average rate in Connecticut is $1,462. However, this can vary greatly depending on the driving record and credit score of an individual. Comparing quotes from different insurance companies will give you an estimate of the annual premium.