Connecticut Auto Insurance

Auto insurance in Connecticut

The law requires that each vehicle owner has a valid insurance policy, as this offers the best possible protection in case of accidents. No matter if the respective vehicle is used for professional or personal purposes, insurance is a must. Should you go on driving without adequate insurance, you can expect legal consequences. These can include fines of up to $1,000 or the suspension of your driving documents, such as the driver's license and vehicle registration, for a period of up to six months. To discover more information on the topic of auto insurance in Connecticut, just keep on reading.

What type of car insurance do you legally need in Connecticut?

The current laws, most specifically the Mandatory Liability Insurance Act, require that all Connecticut residents who operate a moving vehicle must have a liability insurance policy. Should the mandatory insurance be absent, the respective driver's license or vehicle registration can be suspended for several months. Most states, Connecticut included, have an online verification system, which is used to determine whether a vehicle is insured or not.

To operate a vehicle in the state of Connecticut, the respective auto insurance must meet several requirements. These are: bodily injury liability ($50,000 per accident and $25,000 per person), property damage liability ($25,000 per person), uninsured motorist bodily injury ($50,000 per accident and $25,000 per person). The full coverage insurance is superior to the minimum liability coverage, and it can be enriched with optional coverages, such as comprehensive and collision insurance. Insurance specialists recommend that drivers should opt for the highest liability coverage limit, instead of the mandatory minimum state insurance. This offers the best possible protection in case of at-fault accidents.

The sums you see mentioned above refer to the amount insurance providers will pay in the situation of an accident for which you are at fault. The law requires that all drivers carry a copy of the insurance policy while driving. It is illegal to drive without insurance in Connecticut, with consequences such as legal fines and the suspension of your driving documents (driver's license, vehicle registration, etc.). If one continues to drive without a valid insurance policy, jail time can be enforced.

Average cost of auto insurance in Connecticut

How much does car insurance cost in CT? The state minimum auto insurance policy in Connecticut has a value of $728. Nonetheless, the full coverage insurance policy has an average value of $1,551 per year. Collision and comprehensive coverage are not always included in the standard policy, so be sure to calculate your budget accordingly. Among the factors that influence the overall insurance rates, there are: prior insurance, type of vehicle, driving record, location, age, gender, marital status, number of miles driven, etc. Drivers should always choose the best coverage, not the one that is most affordable.

Car insurance policies vary from state to the other, in accordance with state laws and the various insurance companies in the respective area. Variations exist for both the minimum and full coverage, especially if one is also interested in comprehensive and collision coverage. The factors that influence these values include the following: uninsured drivers in the respective location, number of drivers in proportion to the general population, road conditions, weather-related accidents, at-fault accidents, etc.

Connecticut has a significantly lower rate for the average car insurance than the national median, which is around $1,770. The states with the most expensive auto insurance policies include: California, Florida, Colorado, Louisiana, Nevada, Michigan, Pennsylvania, and New York. As for the most affordable states, these include: Wisconsin, Washington, Maine, Nebraska, Tennessee, Maine, Oregon, New Mexico, Nebraska, North Dakota, etc. New York has the most expensive rates to offer, with $1,339 for the minimum one and $2,996 for the full coverage. As for Maine, it has the most affordable policies, with $227 for the minimum one and $876 for the full coverage.

Within the state of Connecticut, you will also find differences between the various cities. The overall costs of annual premiums in major urban locations are as follows: Stamford - $2,097; Waterbury - $2,496; Hartford - $2,702; Bridgeport - $2,707; New Haven - $2,714. Generally, bigger cities have more expensive auto insurance policies, as opposed to smaller towns, where such insurance is more affordable.

The age of the driver represents one of the chief factors that determine the auto insurance value. Young drivers should be prepared to pay more for this type of insurance, as insurance companies see them as less responsible. A teenager driver can expect an annual premium of over $7,700, while a middle-aged one can be prepared for a premium of close to $2,000. Gender differences are present as well, with men benefitting from more attractive rates. Married couples can expect the most affordable coverages, in comparison to those who are widowed, single, or divorced.

Car insurance companies will also analyze the driver's credit history in deciding on the value of a potential coverage policy. An exceptional credit can help drivers save significant sums on their insurance premiums, in contrast to those who are dealing with a poor credit history. Prior driving offenses, including at-fault accidents, reckless driving, DUI/DWI, speeding, will increase the value of an insurance rate. You can expect the type of coverage to influence the final value as well. Both comprehensive and collision coverage can be added to the state minimum policy, in order to upgrade the protection offered.

Did not find your city or county on the list? Please use our auto insurance companies search box at the top to locate all the best auto insurance quotes in Connecticut. Find car insurance in Connecticut by city, zip code or county name.

Finding the right auto insurance in CT

Are you having hard time finding the right insurance policy? If the answer is yes, then perhaps you might consider our expert assistance. The experience accumulated in the field allows us to match vehicle owners with the best policies for their needs. In suggesting a particular insurance policy, we always consider your available budget and other requirements. All you have to do is give us a call and we will offer all the information you need on selecting a suitable insurance policy. Please keep in mind that our service is free of charge, saving you from countless hours of research.