Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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Looking for car insurance in Danbury, New Britain, Norwalk, Bridgeport, New Haven, Hartford, Stamford, or Waterbury areas? Shop online and let be your guide in securing affordable Connecticut automobile insurance policy designed to meet your needs. Deal directly with top-rated companies – get free quotes in less than 5 minutes, compare rates, and apply online.

Connecticut Auto Insurance – Average Premiums

State average costs for automotive insurance in Connecticut are hovering around $120 at the moment. However, it really all depends on your zip code. Those who park their car at a home in Norwalk, for example, might only be paying around $111/mo for their insurance costs. But in a more expensive city, like Bridgeport, monthly costs could be as high as $130 or higher.

Average Auto Insurance Costs in Connecticut Legend: Major City Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 15 30 45 60 75 90 105 120 135 $130 $135 $129 $102 $119 $112 $120 $111 $120


Ready to get a personalized Connecticut vehicle insurance quote? Simply enter your zip code into the search box above to compare insurance rates in your area.  You can also compare the auto insurance quotes side-by-side to get a better understanding of your options. The following factors will affect your rates – your current credit score, your address, how many violations and accidents you’ve got, and your coverage limits.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Important Connecticut Auto Insurance Laws and Requirements

Connecticut auto insurance regulations are more stringent than those in many other states. The state requires liability insurance, with minimum of $20,000 for injury liability, $40,000 for all injuries, and $10,000 in property damage. Connecticut is a tort state, and the driver who is at fault in the accident must pay the victims medical expenses. Find cheap Connecticut car insurance online.

The state currently requires Uninsured Motorist Bodily Injury coverage. The minimum amount of UM/UIM coverage is $20,000 per person and the maximum is $40,000 per accident for any bodily injury caused by the uninsured or underinsured motorist.

CoverageRequirementsMost Common
Bodily Injury Liability20,000/40,000100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily Injury20,000/40,00020,000/40,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required0 deductible

Choosing the Right Amount of Connecticut Car Insurance Coverage

Choosing the right types of coverage, and also the right amounts of coverage, can be a complicated process. Your insurance agent can help you decide, but here are some quick pointers: for newer and more expensive vehicles, more coverage is always better. That way, if something happens to your vehicle, less of the financial responsibility for getting it fixed and getting back on the road falls on you.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 20 40 60 80 100 120 140 160 180 $79 $182 $84 $186 $80 $178 $59 $186 $73 $165 $66 $157 $76 $164 $64 $158 $73 $172


Connecticut DUI Laws

Drivers will face the following penalties for the first DUI offense in the state: $1,100 fine, up to 180 days imprisonment, 12 month license suspension. Drivers are required to obtain an SR-22 certificate of insurance to reinstate their driving privileges after an offense, and the minimum filing periods are 3 years from the date of final conviction/crash involvement or administrative action requiring such proof. Also, you’re going to have to anticipate an increase in your insurance costs, since most carriers will raise rates for a DUI conviction.

DUI Car Insurance Costs in Connecticut Legend: Clean Record DUI Violation Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 20 40 60 80 100 120 140 160 $79 $173 $84 $171 $80 $167 $59 $122 $73 $150 $66 $123 $76 $138 $64 $122 $73 $146


Age Limit Laws

Connecticut teenagers must wait until they are at least 16 years of age before they apply for their first learner’s permit. For months after that (with driver’s ed training) or six months after (without driver’s ed), in addition to accumulating at least 40 hours of supervised driving, young drivers can apply for an intermediate stage permit. They will maintain this intermediate permit for at least one year, and are prohibited from driving alone between the hours of 11:00 PM and 5:00 AM. They are also prohibited from having any non-parental or non-instructor passengers for the first six months. During the last 6 months, that restriction expands to permit immediate family members. At 17 years and 4 months, young Connecticut drivers have full driving privileges during the day; at 18 years, their permit can become a full license.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 50 100 150 200 250 300 350 $338 $359 $341 $241 $308 $304 $342 $287 $315


Credit Score Laws and Regulations

Out of all 50 states, 47 of them permit their insurance agencies to alter prices for customers based on their credit score. And, yes, Connecticut is one of them. This means that drivers with a clear credit record will likely be rewarded with cheaper rates. Drivers with unfortunately low credit scores, on the other hand, will probably have to pay higher premiums each month.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 15 30 45 60 75 90 105 120 $65 $121 $70 $129 $65 $122 $50 $129 $60 $112 $55 $98 $62 $113 $56 $97 $61 $115


Insuring your Vehicle in Connecticut

Have you ever wondered why it’s so important for your insurance company to know what the make and model of your vehicle is? Well, the real reason is because the insurance policy follows the vehicle more so than the driver. And yes, this means that if someone borrows your vehicle and causes an accident, you and your insurance company can be held responsible.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Bridgeport Hartford New Haven Stamford Waterbury Danbury New Britain Norwalk State Average 25 50 75 100 125 150 175 200 225 $79 $238 $84 $239 $80 $226 $59 $239 $73 $217 $66 $191 $76 $209 $64 $191 $73 $219


Additional Connecticut Auto Insurance Laws and Requirements

Everything we’ve discussed so far – your location, your driving history, and state minimum insurance laws, will have a significant impact on how much you will pay monthly. However, there are other laws and state stipulations that can influence your monthly rate:

Highway Safety Laws

Currently, there are no aggressive driving laws on the books within the state of Connecticut. But that doesn’t mean that aggressive driving behaviors (following other drivers too closely, failing to yield the right of way, or driving at breakneck speeds on city roads) aren’t dangerous. And the more often you engage in these behaviors, the more likely you will be to cause an accident and harm innocent people.

Aggressive DrivingNo state law
Cell Phones and Texting LawsYes
Inc. Penalty for High BACBAC 0.16
Admin. License Susp. on 1st Offense90 days

Speed Limits and Cell Phone Use

Within the state of Connecticut, there is an all-driver ban on all cell phone use while behind the wheel. And this is a primary offense, which means that seeing you on your cell phone is all that a law enforcement official needs in order to pull you over and give you a ticket. The problem can become even worse if, say, you are also speeding at the same time.

Rural Interstate65 mph
Urban Interstate55 mph
Other Limited-Access65 mph

Important Connecticut Contacts

Connecticut Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Connecticut Website

Connecticut Department of Insurance

How to contact directly:

Connecticut Insurance Department
Physical Address: 153 Market Street Hartford, CT 06103
Mailing address: PO Box 816 Hartford CT 06142-0816
Phone: 1-860-297-3800
Toll Free: 1-800-203-3447 (In-State)
Fax: 1-860-566-7410

These Connecticut Car Insurance Companies Offer The Lowest Rates In Your Area