Instant Connecticut Car Insurance Quote – CT Auto Insurance

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Connecticut car insurance is an important thing to know about. Figuring out rates is easy. All you have to do to get free Connecticut auto insurance quotes is use the form above. Just enter your zip and away you go.

Yet, knowing the intricacies of insurance can be tricky. As driving laws vary from state to state, car insurance does as well. There are different rules, penalties, implementations, and a varying amount of consequences per state.

Connecticut is no exception. Below are some things you might need to know about car insurance in Connecticut, including mandatory minimum insurance requirements, important state laws and which companies you can buy a policy from.

Minimum Auto Insurance Requirements In Connecticut

Just like in other states, Connecticut has minimum liability insurance requirements for all its drivers. Relatively speaking, they are low in comparison to many other states.

At the current time the minimum liability insurance is as follows (As per Sec. 38a-334):

  • $20,000 for bodily injury or death for 1 person;
  • $40,000 for bodily injury or death per accident;
  • $10,000 personal property damage;

Moreover, Sec. 38a-336 also requires drivers to get uninsured/underinsured motorist coverage unless they explicitly opt-out in writing with their insurance company. Basically, your uninsured/underinsured motorist coverage should equal whatever liability insurance you have on your own policy.

Therefore, the legal minimums remain the same:

  • $20,000 for bodily injury or death for 1 person;
  • $40,000 for bodily injury or death per accident;

However, you are not required to buy uninsured property protection, although it might still be a good idea. Overall, you are strongly advised to get higher limit liability insurance with corresponding levels of uninsured and underinsured motorist coverage. Moreover, additional types of car insurance, especially collision and comprehensive insurance, are also strongly recommended.

Connecticut State Auto Insurance Laws

Knowing your required Connecticut libailty insurance is a good first place to start, but it is by no means the only thing you need to know. There are lots of other important insurance laws you should be aware of.

You can read the Property and Casualty Insurance Laws (Chapter 700), Motor Vehicle Laws (Chapter 246) along with all other Insurance Laws (Title 38a) online. There are also important Connecticut Insurance Regulations you should be aware of too.

You should know that you must have an automobile insurance identification card (insurance card) on you at all times when you drive your car and/or when you register or renew it. You may be required to show it to a law enforcement officer if requested to do so.

In addition to always having proof of insurance available in the form of an insurance card, you are also required to maintain continuous insurance coverage on your vehicle so long as it is registered with the DMV. If your insurance lapses and/or is cancelled while you car is still registered with the DMV you’ll be issued a “Warning Notice.”

You have 30 days to respond to the notice and will most likely have to fill in form SR-37, Insurance Compliance Consent Agreement and pay a $200 penalty. If there has been some mistake about the state of your insurance policy, you are advised to get in contact with the DMV – Insurance Compliance Unit ASAP.

If you let the 30 days pass without getting in contact with the DMV, a hearing may be requested. A negative outcome here, could mean the suspension of your registration and/or the inability to renew or register any other motor vehicles. At this point the only way to get your registration back is to pay the $200 fine and show proof of current insurance.

Finally keep in mind that any negative rulings against you at the DMV, could adversely affect your ability to buy insurance in the future and your future premium rates.

Connecticut Car Insurance Companies

There are many car insurance companies to choose from in Connecticut. One easy solution is to just to use our quote form, found at the top and bottom of this page. By entering your zip code it will find insurers willing to offer you their best deals.

Another option is to look at insurance companies listed with the Department of Insurance. They have a complete list of insurers licensed to do business in Connecticut. The following is a list of those companies with their own independent website:

21st Century Insurance Company

ACE American Insurance Company

Aegis Security Insurance Company

Allstate

American Commerce Insurance Company

American Modern Insurance Group

American National

Arbella Mutual Insurance Company

Armed Forces Insurance

California Casualty

Central Insurance

The Chubb Corporation

Cincinnati Insurance

Electric Insurance Company

Farmers

Fireman’s Fund

Foremost Insurance Company

GEICO

GMAC Insurance

GuideOne Mutual Insurance Company

The Hanover Insurance Group

Harleysville Insurance Company

The Hartford

Horace Mann

Infinity Insurance

Kemper Independence Insurance Company (formerly Unitrin)

Liberty Mutual Insurance Company

Met Life

Motorists Mutual

Nationwide

Progressive

Response Insurance

SAFECO Insurance Company of America

State Auto Insurance

State Farm

Tower Group

Travelers

USAA

Utica Mutual Insurance Company

Zurich North America

If for any reason you find that you can’t buy insurance on the open market you may have to resort to ‘non-standard’ auto insurance. The Insurance Department maintains a list of companies that offer this coverage.

On the other hand, if you’re having trouble with the auto insurance company you’ve got, you can always opt to file a complaint online with State of Connecticut Insurance Department on-line complaint system.

Average Connecticut Auto Insurance Rates

Connecticut falls on the higher end auto insurance of rates found in the United States. In 2008 The Insurance Information Institute found the state to be the 9th most expensive in the country. That year their premium index showed the average driver paid $950 per year for car insurance in the state, compared to $789 in the rest of the country.

When looking at more recent numbers from online only quotes we see a similar pattern. According to CarInsurance.com average premium rates for 2011 are $1,846 for Connecticut drivers compared to only $1,441 for other drivers in the country.

Whatever, the actual average auto insurance rate is for Connecticut, you can be sure to pay an arm and a leg to get it. Take a few minutes now to compare auto insurance rates using our free tool to get as good a deal as possible given where you live.

Connecticut Car Accident Statistics

Based on accident records from the Connecticut Department of Transportation’s (ConnDOT) Accident Records and the National Highway Traffic Safety Administration (NHTSA) Connecticut rates as among the safest states in the nation.

In 2009, there were 223 traffic fatalities on Connecticut’s roads. While this is still far too many in total terms, in relative terms it is very low compared to other states. For every 100 million vehicle miles traveled in Connecticut there were 0.71 fatalities compared to the US average of 1.14. This means you have a 60% lower chance of being killed when driving in Connecticut compared to the US overall.

Still these numbers should not be taken too lightly as there are still many dangerous areas to drive in. The NHTSA has found the following 5 counties as being by far the most dangerous in the state: New Haven County, Hartford County, Fairfield County, New London County and Windham County.

Take the time to drive properly and you and your passengers will arrive alive. Good for you, good for them and good for your insurance rates.

Connecticut Car Insurance Quotes For All Types Of Insurance Coverage

As we saw above there are many different types of auto insurance for Connecticut drivers. Some are required, others are not. If you opt to go beyond the minimum required coverage and choose collision and/or comprehensive insurance you should be aware of how deductibles work.

Basically, your deductible is simply the amount you have to pay out-of-pocket before your insurer steps in. In this case, you need to balance out the coverage from your company with your suspected out-of-pocket expenses.

When getting a Connecticut car insurance quote, keep this in mind: the lower your deductible is, the lower the suspected out-of-pocket expense will be. However, always remember that your insurance premiums will correspondingly rise. For example, a policy with a $500 deductible for collision and/or comprehensive coverage may be 15-30% less than one with a deductible less than $200.

For a much better insurance policy, take note of the types of perils that are covered in it, in terms of collision and comprehension coverage. Take note that the collision part should be able to cover all the repairs and replacements when the car is involved in collisions or overturns. While the comprehensive part of the insurance policy should lay out exactly what it does and does not cover.

Getting a Connecticut car insurance quote that gives more coverage, means you can chose a great insurance policy. Adding more features to an insurance policy such as 24-hour roadside assistance can provide extra protection, but usually with an added price. Think about what you are legally required to have, what you’d like and what would be nice to have when buying your policy.

In the end, it is how you look for Connecticut auto insurance online that will determine what you will get. A Connecticut car insurance quote is easy to get, especially if you are trying to find the most exclusive and cheapest among the throngs of car insurance companies. Getting the right one is only something you can determine for yourself.

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Insurance Guides For Connecticut’s Cities

Bridgeport

Hartford

New Haven

Stamford

Waterbury

More Information

Connecticut Insurance Department

Connecticut Department of Motor Vehicles

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