Is Connecticut a no-fault state?

No, Connecticut is not a no-fault state. At-fault states do not require drivers to purchase personal injury protection (PIP), but it’s still recommended for most drivers. Although Connecticut has one of the lowest uninsured motorist rates in the country, uninsured/underinsured motorist coverage is also good to have to help cover the costs if you’re involved in an accident with an uninsured or underinsured driver. The bottom line: PIP isn’t required by law in Connecticut, but it can help avoid financial troubles if you’re involved in an accident.

Is car insurance cheaper in CT than NY?

Typically, yes. Connecticut drivers pay less than New York drivers for car insurance on average—but individual drivers in each state might pay more or less than the state or national average.

How does credit score impact car insurance premiums in Connecticut?

In Connecticut, drivers with poor credit pay 103% more, on average, than drivers with the same coverage and excellent credit.

What is the average cost of car insurance In Connecticut?

The average car insurance cost for minimum liability coverage in Connecticut is $167 per month and $1,999 per year. The average cost for full coverage insurance in Connecticut is $215 per month and $2,578 per year.

What are the best car insurance companies in Connecticut?

Jerry’s survey of over 15,000 car insurance policyholders—the largest insurance shopping study in the industry—found that Nationwide, Progressive, and State Auto are three of the best car insurance companies in Connecticut. All three companies received average customer service ratings of 5.0.

What is the required car insurance coverage in Connecticut?

Connecticut requires all drivers to carry liability insurance and uninsured/underinsured motorist insurance. In Connecticut, drivers must have insurance that follows a 25/50/25 pattern—$25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage.

Can you register a car without insurance in Connecticut?

No—before you can register a car in Connecticut, you must be able to show proof of valid car insurance. To register your vehicle in Connecticut, you will need the following documents :

Does insurance follow the car or the driver in Connecticut?

Car insurance in Connecticut follows the car rather than the driver—this is true for bodily injury liability, personal injury liability, uninsured motorist protection, collision, and comprehensive. If someone else is driving your car and is involved in an accident, your insurance will cover repair costs and medical expenses up to your coverage limits.

What does full coverage car insurance consist of in Connecticut?

Full coverage auto insurance in Connecticut consists of liability insurance, uninsured/underinsured motorist coverage, and comprehensive and collision coverage. Liability and UM/UIM are the only mandatory coverages for drivers, but opting for a full-coverage policy provides greater financial protection in an accident.

Can you have out-of-state car insurance in Connecticut?

Connecticut drivers can use out-of-state car insurance, but it’s recommended to purchase insurance in your state as soon as possible or before renewing your registration. However, if you use out-of-state insurance in Connecticut, you must provide proof that it meets the minimum state car insurance requirements.

Is PIP required in Connecticut?

No, personal injury protection (PIP) is not required in Connecticut, but having it can be helpful. PIP helps cover the costs of medical treatment if you or your passengers are injured in an accident, regardless of who was at fault for the crash. If you don’t have health insurance, PIP can help reduce financial stress after an accident

Cheapest Car Insurance in Connecticut (Dec 2024)

Q: Do I need uninsured/underinsured motorist protection in Connecticut?

UM/UIM is required in Connecticut. In addition to liability insurance, Connecticut drivers must have $25,000 in uninsured motorist bodily injury (UMBI) coverage per person and $50,000 per accident, as well as $25,000 in underinsured motorist bodily injury coverage per person and $50,000 per accident. Connecticut drivers are not required to have uninsured motorist property damage (UMPD) insurance.

Written by R.E. Fulton and 2 others

Dec 19, 2024

Cheapest Car Insurance in Connecticut (Dec 2024)

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Written by R.E. Fulton and 2 others

Dec 19, 2024

How to find the cheapest car insurance quotes in Connecticut

Finding a car insurance policy that meets your needs and budget can be challenging. That’s why it’s important to shop around and compare car insurance quotes to ensure you have the best coverage at the best price before signing on the dotted line.

With Jerry, finding cheap car insurance is simple. Jerry is the go-to platform for Connecticut drivers to find insurance that works for them. It’s a quick, simple, and completely hassle-free way to save—no phone calls, emails, or confusion!

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

Bristol West	$614	Rhoda, 37, East Haven, CT	Honda Accord Hybrid Sport	State Minimum	No
Progressive	$208	Jane, 42, Bridgeport, CT	Nissan Maxima Gle	State Minimum	No
Progressive	$464	Amelia, 48, Bridgeport, CT	Chevrolet Trax Ls	State Minimum	Yes
National General	$291	Agnes, 55, Bridgeport, CT	Buick Enclave	State Minimum	Yes
Progressive	$186	Bernard, 55, Vernon, CT	Jeep Cherokee Limited	State Minimum	Yes

Last Updated Dec 24, 2024

Cheapest car insurance companies in Connecticut

If you’re looking for the best car insurance companies in Connecticut, you’re in luck—Jerry conducted a national insurance shopping survey to find the best providers for drivers.

The study found no “best” or “cheapest” provider for every driver. Each insurance company uses different algorithms to calculate rates, so not every company will offer the same rate for the same driving profile.

GEICO, Progressive, and Allstate have the largest market shares in Connecticut and may offer good rates for Connecticut drivers—but this may not be the case for every driver. According to the survey, GEICO was rated just 3.8 out of 5.0 for cost. Nationwide, Progressive, and State Auto got the highest overall ratings and best policy cost ratings from Connecticut drivers.

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
State Farm	October 24, 2024	5	“So amazing.” -Hulda
National General	October 22, 2024	5	“National general is a good car insurance company. It’s at a good price and they work with me when I need the help.” -Lela
The General	October 22, 2024	5	“Easy quote “ -Eva
Progressive	October 21, 2024	5	“really amazing insurance company! also in my budget” -Leah
Progressive	October 20, 2024	4	“Love progressive cheapest insurance “ -Adeline

To quickly find car insurance quotes online without the hassle, the most convenient method is to use a comparison app or website.

Jerry is the nation’s top car insurance comparison app, making comparing insurance quotes online quick and painless from your smartphone. Partnering with over 50 top providers, Jerry’s team of 100+ licensed insurance agents are there to help you find the best coverage and rate 24/7.

Minimum liability and full coverage in Connecticut

All Connecticut drivers must meet the state’s minimum insurance requirements before getting behind the wheel. Drivers may also purchase full-coverage auto in s urance for better vehicle protection.

Cheapest minimum liability coverage car insurance quotes in Connecticut

Connecticut’s minimum car insurance requirements follow a 25/50/25 pattern and mandate the following:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
$25,000 / $50,000 of uninsured motorist bodily injury (UM) coverage
$25,000 / $50,000 of underinsured motorist bodily injury (UIM) coverage

Ready to find the perfect liability insurance policy? Jerry recently helped several Connecticut drivers find affordable liability insurance quotes.

Do you need more than minimum coverage in Connecticut?

Connecticut drivers are only required to carry insurance that meets the minimum requirements, but most drivers opt for coverage that exceeds the 25/50/25 minimum.

If you’re involved in an at-fault accident, you may be on the hook for medical bills and vehicle repair costs that could easily exceed the state-mandated minimum. In a serious crash that caused major injuries, you could be faced with a bill for more than $60,000—along with ongoing healthcare costs.

Remember: Connecticut’s car accident laws allow drivers to file personal injury lawsuits for up to two years following an accident, meaning that your liability extends long past the actual incident.

The bottom line: For better financial protection, Connecticut drivers should consider upgrading to 50/100/50 or even 100/300/100 liability coverage, or purchasing a full-coverage policy.

Cheapest full coverage car insurance quotes in Connecticut:

Purchasing a full coverage car insurance policy is one of the easiest ways to safeguard you against vehicle repair or replacement costs.

A full coverage policy usually includes comprehensive and collision coverage:

Comprehensive insurance helps cover the cost of repairs to your vehicle due to non-collision-related incidents, such as fire, theft, vandalism, falling objects, or weather damage.
Collision insurance helps cover the costs of vehicle repair or replacement if your vehicle is damaged in an accident with another vehicle or stationary object, such as a tree or sign.

Most lenders will also require you to have coverage for physical damages—collision and comprehensive insurance coverage.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car

State Minimum	Yes	Progressive	$464	Amelia, 48, Bridgeport, CT	Chevrolet Trax Ls
State Minimum	Yes	National General	$291	Agnes, 55, Bridgeport, CT	Buick Enclave
State Minimum	Yes	Progressive	$186	Bernard, 55, Vernon, CT	Jeep Cherokee Limited
State Minimum	Yes	Progressive	$46	Sophia, 65, Guilford, CT	Mini Cooper
State Minimum	Yes	Progressive	$77	Darrell, 64, Rocky Hill, CT	Gmc Terrain Slt

Last Updated Dec 24, 2024

Average rates for state minimum liability coverage and full coverage

We’ve worked with Connecticut insurance providers and found that the average cost of minimum liability coverage is $167 per month or $1,999 per year. The average cost for full coverage insurance in Connecticut is $215 per month or $2,578 per year.

The average annual rate in Connecticut is an excellent way to help you estimate how much you can expect to pay for your insurance—but remember that insurance premiums are determined by a variety of factors, such as your age, location, vehicle make and model, driving record, and claims history.

Connecticut car insurance: Additional coverages

Uninsured motorist/underinsured motorist protection is also mandatory in Connecticut. Drivers are required to carry $25,000 in uninsured motorist bodily injury (UMBI) coverage per person and $50,000 per accident, as well as $25,000 in underinsured motorist bodily injury coverage per person and $50,000 per accident. Connecticut drivers are not required to have uninsured motorist property damage (UMPD) insurance.

In addition to collision and comprehensive coverage, here are some other types of insurance coverages Connecticut drivers should consider:

Medical payments (MedPay)
Personal injury protection (PIP)
Towing and labor coverage

If you have a loan on your car: Gap insurance helps cover the difference between the car’s actual cash value and the amount you still owe if it’s totaled or stolen.

If you frequently rent or borrow a vehicle and don’t own one yourself: Non-owner car insurance in Connecticut offers liability coverage for bodily injury and property damage if you are liable in an at-fault accident, but it doesn’t cover damage to the actual vehicle you’re driving or your medical expenses.

Car insurance premium by rating factors in Connecticut

Connecticut car insurance providers consider various factors when determining auto insurance premiums, including:

Driving record and claims history: Insurance providers charge more if you have accidents or tickets on your Connecticut driving record.
Vehicle location: Insurance rates for drivers in cities like Hartford and New Haven are typically higher than in rural areas. Rates will also vary based on your ZIP code, even in the same city.
Vehicle make and model: Luxury, high-performance, and sports cars have higher insurance premiums than other vehicles.
How you use your car: Cars driven for work typically have higher insurance premiums than cars driven for leisure.
Your credit score: In Connecticut, drivers with higher credit scores usually pay less for the same insurance coverage.
Demographics: Age and gender play a role in insurance rates, with men usually paying more than women and young and old drivers seeing higher premiums.

Cheapest Connecticut car insurance after a driving violation

A driving violation on your record can have serious implications for your Connecticut car insurance rates.

A driver with minor or major violations on their driving record is considered a “high-risk driver” and is subject to higher insurance rates.

Cheapest car insurance for Connecticut drivers with a speeding ticket

Connecticut drivers are penalized with fines for speeding based on the degree of speed. Although Connecticut doesn’t issue driving record points to drivers who pay their speeding ticket or are found not guilty, a speeding ticket can still impact your car insurance rate. A driver going over 85 mph can be charged with reckless driving.

Even with a speeding ticket on your record, Jerry can help you save on your car insurance.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Speeding Violation-Major	Bristol West	$366	Vera, 24, Stratford, CT	State Minimum	No
Speeding 11-15	National General	$303	Gussie, 30, Hamden, CT	State Minimum	No
Speeding Violation-Major	Bristol West	$2,037	Caleb, 24, East Hartford, CT	State Minimum	Yes
Speeding Violation-Minor	Bristol West	$351	Owen, 30, Trumbull, CT	State Minimum	Yes
Speeding Violation-Major	Progressive	$434	Jennie, 22, Hartford, CT	State Minimum	Yes

Last Updated Dec 24, 2024

Cheapest auto insurance in Connecticut after a DUI

A serious offense like a DUI in Connecticut can lead to a steep increase in your car insurance rate. Drivers with a DUI are considered high-risk drivers, and if an insurer is willing to insure you, it’s generally at a much higher premium than drivers without a DUI—97% higher, on average. To secure the best rate with a DUI on your driving record, shop around for quotes from various insurance providers.

Connecticut SR-22 insurance

After a major driving violation like a DUI, you may need to file an Connecticut SR-22 before you can regain your license. Insurance providers issue an SR-22 to high-risk drivers to prove they carry the minimum car insurance required in Connecticut.

SR-22s are usually required for:

Driving without insurance
Driving without a valid driver’s license
DUI or DWI conviction
Hit-and-run
Reckless driving
Distracted driving
Repeated driving violations
An at-fault collision leading to death or injury

You will be notified if you need to file an SR-22 following a license suspension or revocation. If you have to file an SR-22 in Connecticut, you can expect to see a steep increase in your insurance premium. Also, remember that some insurers won’t offer insurance for drivers requiring an SR-22 or may offer limited insurance options.

Cheapest Connecticut auto Insurance after an at-fault accident

Your driving history has a big influence on your car insurance rate. Insurers look at previous at-fault accidents to determine how much of a risk you are. The more at-fault accidents, the more high-risk you are and the higher your insurance rate will be when your policy is up for renewal.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

At Fault With No Injury	Bristol West	$614	Rhoda, 37, East Haven, CT	State Minimum	No
Not At Fault	Progressive	$208	Jane, 42, Bridgeport, CT	State Minimum	No
At Fault With No Injury	Progressive	$464	Amelia, 48, Bridgeport, CT	State Minimum	Yes
At Fault With No Injury	National General	$291	Agnes, 55, Bridgeport, CT	State Minimum	Yes
At Fault With No Injury	Progressive	$186	Bernard, 55, Vernon, CT	State Minimum	Yes

Last Updated Dec 24, 2024

FAQ

Is Connecticut a no-fault state?

No, Connecticut is not a no-fault state.

At-fault states do not require drivers to purchase personal injury protection (PIP), but it’s still recommended for most drivers. Although Connecticut has one of the lowest uninsured motorist rates in the country, uninsured/underinsured motorist coverage is also good to have to help cover the costs if you’re involved in an accident with an uninsured or underinsured driver.

The bottom line: PIP isn’t required by law in Connecticut, but it can help avoid financial troubles if you’re involved in an accident.
Is car insurance cheaper in CT than NY?

Typically, yes. Connecticut drivers pay less than New York drivers for car insurance on average—but individual drivers in each state might pay more or less than the state or national average.
How does credit score impact car insurance premiums in Connecticut?

In Connecticut, drivers with poor credit pay 103% more, on average, than drivers with the same coverage and excellent credit.

Cheapest auto insurance after other violations in Connecticut

A DUI or speeding can increase your insurance premium, but so can other violations. Careless or reckless driving, driving without insurance, or driving without a license are major offenses that can steeply increase your insurance premium.

Check out some examples of how Jerry helped drivers with violations find affordable insurance.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

DUI	Progressive	$208	Jane, 42, Bridgeport, CT	State Minimum	No
Suspension	National General	$171	Christopher, 52, Northford, CT	State Minimum	No
Passing School Bus	National General	$360	Richard, 38, Hartford, CT	State Minimum	No
Operating Vehicle without Permission	National General	$482	Inez, 30, Bridgeport, CT	State Minimum	No
Improper Passing	Progressive	$679	Bryan, 22, Newington, CT	State Minimum	Yes

Last Updated Dec 24, 2024

Cheapest Connecticut auto insurance based on insurance history

Your insurance history also influences how much you pay for insurance. The longer you’ve been insured, the lower your car insurance premium should be. Insurers want to know that you haven’t had a lapse in auto insurance coverage—a lapse in insurance coverage may lead to you being labeled as a “high-risk driver,” which generally comes with a pricey premium.

You’ll never miss a payment with Jerry! When a payment is coming up, Jerry gives eligible drivers the option to turn on notifications to help you avoid missing a payment or having a lapse in insurance coverage.

Jerry can help you find savings on a new insurance policy regardless of your insurance history. Check out how we helped these customers!

Cheapest car insurance for drivers with poor credit

Your credit score is important when buying a car, house and yes, even car insurance. Insurers sometimes use credit reports to indicate a driver’s likelihood to make a claim—the lower the credit score, the more likely you may be to make a claim and the higher your insurance cost.

Drivers with a poor credit score can see an average rate more than 100% higher than drivers with a good credit score. If you have a fair or poor credit score and are looking for affordable car insurance, shopping around with a comparison app or website can help you find the best rate.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

550-659	Bristol West	$614	Rhoda, 37, East Haven, CT	Honda Accord Hybrid Sport	State Minimum	No
660-750	Progressive	$208	Jane, 42, Bridgeport, CT	Nissan Maxima Gle	State Minimum	No
660-750	National General	$291	Agnes, 55, Bridgeport, CT	Buick Enclave	State Minimum	Yes
660-750	Progressive	$186	Bernard, 55, Vernon, CT	Jeep Cherokee Limited	State Minimum	Yes
<550	Progressive	$46	Sophia, 65, Guilford, CT	Mini Cooper	State Minimum	Yes

Last Updated Dec 24, 2024

Cheapest Connecticut car insurance by age

Drivers under 25 are subject to some of the highest insurance premiums of any age group due to a lack of driving experience and a higher risk of accident claims. After 25, car insurance rates start to decline and stay at their lowest until reaching your mid-70s, when they increase again.

If you’re looking for cheap insurance as a teen driver or senior, Travelers, State Farm, GEICO, and USAA generally offer some of the cheapest rates—but it still pays to shop around to find the best rate for you.

Cheapest Connecticut car insurance for young drivers

Drivers under 19 tend to pay the highest rates for car insurance of any age bracket in Connecticut–especially 16- and 17-year-olds. Once a driver gains more experience on the road, rates usually decrease. In the meantime, drivers under 19 with newer vehicles may benefit from purchasing a full coverage auto insurance policy with more protection in the event of an accident.

Cheapest Connecticut car insurance for senior drivers

Car insurance rates start to increase again once you hit your mid-70s for several reasons. Older people are at a higher risk of mortality, hospitalization, and medical expenses from car accidents, but they also have slower reflexes that increase the risk of being involved in an accident. A higher risk on the road means more significant costs for insurers and higher premiums for older drivers.

Cheapest car insurance for popular cars

Your vehicle’s make and model play a role in car insurance premiums. Cars with a higher book value typically cost more to insure than cheaper cars. There are other factors associated with your car that can cause insurance rates to increase:

Average cost of repairs or replacements
Likelihood of theft
Safety record

Some of the most popular cars among Connecticut drivers include:

Honda Accord
Honda CR-V
Toyota RAV4
Subaru Forester

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

Honda Accord Hybrid Sport	Bristol West	$614	Rhoda, 37, East Haven, CT	State Minimum	No
Honda Accord Touring Hybri	Bristol West	$359	Pearl, 28, Middletown, CT	100/300	Yes
Honda Accord Lxp	National General	$394	Allen, 48, Waterbury, CT	State Minimum	Yes
Honda Accord Ex	National General	$208	Iva, 43, New London, CT	State Minimum	Yes
Subaru Forester 2.5I Limite	National General	$232	Leonard, 34, New Britain, CT	State Minimum	No

Last Updated Dec 24, 2024

Learn more: How to get car insurance before buying a car

Car insurance cost for new vs. old car

The value of a car usually decreases with age, but that doesn’t always mean older cars have cheaper car insurance. Insurance rates are determined by how much an insurer would have to pay out if the car was damaged, which means how resilient the car is must be considered.

Newer cars with more safety features typically increase their resiliency, which could decrease your premium. However, you may also see a higher premium because newer cars tend to have more expensive repairs.

In general, newer cars are more costly to insure than older cars. At Jerry, we found that Connecticut’s average full coverage insurance cost for a car older than 10 years is $2,517 per year. The average cost for insuring a car less than 4 years old is $2,066 a year.

Connecticut cheapest car insurance by location

Where you live also influences how much you have for car insurance; your location heavily impacts the likelihood of your vehicle being damaged or stolen, which means a payout for auto insurance companies. Living in an urban area also means a higher premium compared to rural areas.

Where you park also matters; drivers with access to a secure parking location—garage, driveway, or parking garage—may see lower rates than drivers who park on the street.

In addition to crime, things like population density, accident rates, and weather also influence how much insurance rates are in your area.

Take a look at how Jerry agents helped Connecticut drivers in different cities save on insurance costs.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage

East Haven, CT	Rhoda	Bristol West	$614	Honda Accord Hybrid Sport	State Minimum	No
Bridgeport, CT	Jane	Progressive	$208	Nissan Maxima Gle	State Minimum	No
Bridgeport, CT	Amelia	Progressive	$464	Chevrolet Trax Ls	State Minimum	Yes
Bridgeport, CT	Agnes	National General	$291	Buick Enclave	State Minimum	Yes
Vernon, CT	Bernard	Progressive	$186	Jeep Cherokee Limited	State Minimum	Yes

Last Updated Dec 24, 2024

How to lower car insurance costs in Connecticut

Finding the best cheap car insurance can sometimes be like finding a needle in a haystack, but with the right tips from Jerry’s team of experts, you can find the best rate and coverage for you. Here are some easy hacks to help you save on car insurance:

Shop around and compare quotes between insurance companies.
Look at insurance policy costs before buying a car.
Increase your deductible for comprehensive and collision insurance.
Reduce coverage where it’s not needed (especially on older cars).
Bundle your auto and homeowners insurance to get a discount.
Increase your credit score.
Ask about car insurance discounts, such as good student discounts, safe driving discounts, or low mileage discounts.
Take a defensive driving course.

Why car insurance is so expensive in Connecticut

Car insurance rates in Connecticut may not be as expensive as in other states, but that doesn’t mean you’ll always see cheap rates. Here are a few reasons why:

Higher repair costs
More drivers on the road
Expensive healthcare
Uninsured driver rate
Unpredictable weather
Increasing highway density
Insurers don’t need approval to increase rates

FAQ

What is the average cost of car insurance In Connecticut?

The average car insurance cost for minimum liability coverage in Connecticut is $167 per month and $1,999 per year. The average cost for full coverage insurance in Connecticut is $215 per month and $2,578 per year.
What are the best car insurance companies in Connecticut?

Jerry’s survey of over 15,000 car insurance policyholders—the largest insurance shopping study in the industry—found that Nationwide, Progressive, and State Auto are three of the best car insurance companies in Connecticut. All three companies received average customer service ratings of 5.0.
What is the required car insurance coverage in Connecticut?

Connecticut requires all drivers to carry liability insurance and uninsured/underinsured motorist insurance. In Connecticut, drivers must have insurance that follows a 25/50/25 pattern—$25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
Can you register a car without insurance in Connecticut?
No—before you can register a car in Connecticut, you must be able to show proof of valid car insurance. To register your vehicle in Connecticut, you will need the following documents:
- Valid driver’s license
- Proof of insurance
- Bill of sale
- Proof of ownership
Do I need uninsured/underinsured motorist protection in Connecticut?

UM/UIM is required in Connecticut. In addition to liability insurance, Connecticut drivers must have $25,000 in uninsured motorist bodily injury (UMBI) coverage per person and $50,000 per accident, as well as $25,000 in underinsured motorist bodily injury coverage per person and $50,000 per accident. Connecticut drivers are not required to have uninsured motorist property damage (UMPD) insurance.
Does insurance follow the car or the driver in Connecticut?

Car insurance in Connecticut follows the car rather than the driver—this is true for bodily injury liability, personal injury liability, uninsured motorist protection, collision, and comprehensive. If someone else is driving your car and is involved in an accident, your insurance will cover repair costs and medical expenses up to your coverage limits.
What does full coverage car insurance consist of in Connecticut?

Full coverage auto insurance in Connecticut consists of liability insurance, uninsured/underinsured motorist coverage, and comprehensive and collision coverage. Liability and UM/UIM are the only mandatory coverages for drivers, but opting for a full-coverage policy provides greater financial protection in an accident.
Can you have out-of-state car insurance in Connecticut?

Connecticut drivers can use out-of-state car insurance, but it’s recommended to purchase insurance in your state as soon as possible or before renewing your registration. However, if you use out-of-state insurance in Connecticut, you must provide proof that it meets the minimum state car insurance requirements.
Is PIP required in Connecticut?

No, personal injury protection (PIP) is not required in Connecticut, but having it can be helpful. PIP helps cover the costs of medical treatment if you or your passengers are injured in an accident, regardless of who was at fault for the crash. If you don’t have health insurance, PIP can help reduce financial stress after an accident

MEET OUR EXPERTS

R.E. Fulton

Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

^†For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.