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Cheapest Car Insurance in Connecticut (Mar 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Connecticut.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

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 CompanyPremium (monthly)CustomerCarInsurance Coverage
Progressive
$207
Honda CR-V EXL
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$145
Acura TL
• State Minimum Liability
Nationwide
$126
Toyota 4runner Sr5/sr5 Premium
• 50,000/100,000 Liability
• Comp / Collision
AAA
$117
Toyota Corolla Matrix XR
• 50,000/100,000 Liability
Travelers
$126
BMW X5 xDrive45e
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 19, 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 companyDateCost rating (out of 5)What our customer said:
Plymouth Rock
March 14, 2024
4
"I'm glad I found a company that is willing to communicate with me and answer all my questions. They work with my mino...(read more)"
-Gregory
Progressive
March 7, 2024
5
"Great customer service. Good price. "
-Russell
USAA
March 6, 2024
5
"the best"
-Sylvia
Progressive
March 2, 2024
4
"They are very affordable and I have awesome coverage."
-Minerva
National General
February 29, 2024
5
"This company has always been so helpful especially when picking insurance. "
-Anne
coverageLast Updated Mar 14, 2024
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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 insurance
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:
Ready to find the perfect liability insurance policy? Jerry recently helped several Connecticut drivers find affordable liability insurance quotes.
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Jennie (28 years old)
coverageCoverage
State Minimum
$116
per month
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Richard (37 years old)
coverageCoverage
State Minimum
$145
per month
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Nicholas (40 years old)
coverageCoverage
State Minimum
$200
per month
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Jean (34 years old)
$99
per month
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Effie (23 years old)
coverageCoverage
State Minimum
carAcura RDX
$237
per month
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Mathilda (24 years old)
coverageCoverage
State Minimum
$278
per month

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.
Lower my car insurance too!

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 CoverageInsurance CompanyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$119
Chevrolet Spark LS
• 100,000/300,000 Liability
• Comp / Collision
AAA
$136
Subaru Forester Sport
• State Minimum Liability
• Comp / Collision
Clearcover
$92
Ford F150 Supercrew
• 50,000/100,000 Liability
• Comp / Collision
State Auto
$175
Honda Accord EX
• State Minimum Liability
• Comp / Collision
Bristol West
$314
Subaru Crosstrek Premium
coverageLast Updated Mar 14, 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 $164 per month or $1,968 per year. The average cost for full coverage insurance in Connecticut is $214 per month or $2,562 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:
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.

How different factors impact your car insurance costs in Connecticut

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Connecticut currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Connecticut:

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 TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$529
• State Minimum Liability
• Comp / Collision
Speeding 6-10
Progressive
$91
• 50,000/100,000 Liability
Speeding 11-15
Allstate
$212
• 100,000/300,000 Liability
• Comp / Collision
Speeding 16-20
Nationwide
$121
• State Minimum Liability
coverageLast Updated Mar 14, 2024

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
National General
I love this insurance!
Heather
Progressive
Awesome experience. Needed insurance quick and was able to get it done here.
Jahmaine
Safeco
Easy to get coverage and affordable!
Alfonse
Progressive
I like this insurance. The coverage is great and so is the price!
Brittney

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.
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Herbert (26 years old)
DUI
coverageCoverage
State Minimum
$103
per month
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Eugene (66 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$425
per month
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Eric (28 years old)
DUI
coverageCoverage
State Minimum
carMercury Mariner Premier
$122
per month
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Derek (33 years old)
DUI
coverageCoverage
State Minimum
carBMW 428 XI
$188
per month
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Hallie (35 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationNew Hartford, CT
carHyundai Santa FE Sport
$143
per month
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Lettie (37 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$283
per month

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
  • 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 TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$215
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Allstate
$174
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
AAA
$210
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$124
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
State Auto
$137
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 15, 2024

FAQs

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. 
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. 
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.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$115
Ford Edge SEL
• State Minimum Liability
• Comp / Collision
Cell Phone
Safeco
$77
Toyota Corolla Matrix XR
• 50,000/100,000 Liability
Defective Equipment
AAA
$202
Ford Mustang
• State Minimum Liability
Driving on Sus. License
Bristol West
$243
Toyota Avalon XL
• State Minimum Liability
DUI
Travelers
$425
Infiniti G35
• 100,000/300,000 Liability
• Comp / Collision
Eluding Police
National General
$212
Toyota Camry Hybrid
• State Minimum Liability
Failure To Observe A Safety Zone
Nationwide
$118
GMC Terrain SLT
• State Minimum Liability
• Comp / Collision
Illegal Turn
National General
$94
Honda CR-V LX
• State Minimum Liability
Improper Passing
Bristol West
$333
Chevrolet Cruze LT
• 50,000/100,000 Liability
• Comp / Collision
Passing School Bus
AAA
$211
Nissan Sentra S
• State Minimum Liability
Seat Belt
Progressive
$632
Mercedes-Benz C 300 4matic
• 100,000/300,000 Liability
• Comp / Collision
Speeding Violation-Major
Plymouth Rock
$341
Ford Ranger
• 100,000/300,000 Liability
• Comp / Collision
Speeding Violation-Minor
State Auto
$85
Acura 3.2TL
• State Minimum Liability
Suspension
Allstate
$185
Hyundai Tucson Limited
• State Minimum Liability
• Comp / Collision
Wrong Way/Wrong Lane
Safeco
$324
Nissan Maxima 3.5S
• State Minimum Liability
• Comp / Collision
Unsafe Operation of a Motor Vehicle
Travelers
$246
Ford Fusion SE
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 18, 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!
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Myrtle (31 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carHonda CR-V EXL
$207
per month
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Gary (30 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Accord Sport Special Edition
$384
per month
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Ivan (32 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$117
per month
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Amy (42 years old)
Not Currently Insured
coverageCoverage
State Minimum
$211
per month
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Ricky (24 years old)
Currently Insured
coverageCoverage
State Minimum
$278
per month
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Jeremy (44 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$350
per month

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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$150
Hyundai Tucson Limited
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Safeco
$135
Lexus IS 300
• State Minimum Liability
• Comp / Collision
550 - 659
AAA
$200
Hyundai Elantra GLS
• 50,000/100,000 Liability
• Comp / Collision
< 550
Allstate
$244
Infiniti G37
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 19, 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.
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Erik (20 years old)
coverageCoverage
State Minimum
$236
per month
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Sarah (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$287
per month
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Marian (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$152
per month
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Josephine (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMontville, CT
carHonda HR-V EXL
$158
per month
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Amanda (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$250
per month
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Isaac (23 years old)
coverageCoverage
State Minimum
carHonda CR-V EXL
$120
per month

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.
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Nettie (71 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carMitsubishi Outlander Sport ES
$302
per month
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Louise (69 years old)
coverageCoverage
State Minimum
locationTaftville, CT
$121
per month
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Manuel (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carHonda HR-V Sport
$102
per month
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Violet (66 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$303
per month
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Lewis (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMontville, CT
$138
per month
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Clyde (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$298
per month

Over 3,500,000 customers and counting

We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
Plymouth Rock
Everything has been great so far! No complaints.
Betty
Safeco
The best car insurance.
Stanley
Progressive
Saved a ton of money when I switched over!
Alix
National General
This is my first time getting into an insurance app & they did not let me down!
Alberto

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.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Stamford, CT
Jennie, 28
Progressive
$116
Nissan Rogue Sport S
• State Minimum Liability
• Comp / Collision
Bristol, CT
Erik, 20
AAA
$236
Cadillac Deville
• State Minimum Liability
Willimantic, CT
Nell, 32
Allstate
$103
Toyota Corolla Matrix XR
• 50,000/100,000 Liability
Southbury, CT
Alan, 36
Travelers
$126
BMW X5 xDrive45e
• 100,000/300,000 Liability
• Comp / Collision
Torrington, CT
Samuel, 41
Nationwide
$126
Toyota 4runner Sr5/sr5 Premium
• 50,000/100,000 Liability
• Comp / Collision
New London, CT
Eugenia, 24
Bristol West
$278
Nissan Sentra SR
• State Minimum Liability
Norwalk, CT
Effie, 23
National General
$237
Acura RDX
• State Minimum Liability
Southbury, CT
Adeline, 53
Dairyland
$61
KIA Forte FE
• State Minimum Liability
Bridgeport, CT
Victor, 27
Commonwealth Insurance
$133
Honda Accord EXL
• 30,000/60,000 Liability
Meriden, CT
David, 21
The General
$168
Toyota Scion TC
• State Minimum Liability
coverageLast Updated Mar 17, 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:
  1. Shop around and compare quotes between insurance companies.
  2. Look at insurance policy costs before buying a car.
  3. Increase your deductible for comprehensive and collision insurance.
  4. Reduce coverage where it’s not needed (especially on older cars).
  5. Increase your credit score.
  6. Ask about
    car insurance discounts
    , such as good student discounts, safe driving discounts, or low mileage discounts.
  7. 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

FAQs

The average car insurance cost for minimum liability coverage in Connecticut is $X per month and $X per year. The average cost for full coverage insurance in Connecticut is $X per month and $X per year. 
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. 
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.
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
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.
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.
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.  
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.
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

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.

Meet our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
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.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just 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.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.