Comparing auto insurance in Connecticut is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Connecticut pricing is shaped by required UM/UIM coverage, dense I-95 and Merritt Parkway commuting, New York and Boston corridor traffic, winter storms, coastal flooding, tropical cyclone remnants, severe storms, high repair costs, and deer/moose collision exposure. NOAA lists 45 billion-dollar weather and climate disaster events affecting Connecticut from 1980 through 2024, including 17 winter storm events, 13 severe storm events, 10 tropical cyclone events, 3 flooding events, 1 freeze event, and 1 drought event.
Connecticut premiums can vary between Hartford, New Haven, Bridgeport, Stamford, Waterbury, Norwalk, Danbury, coastal Fairfield County, shoreline towns, rural northwest communities, suburbs, and commuter corridors because traffic density, commute mileage, garaging ZIP code, theft risk, winter-weather exposure, coastal storm exposure, local claim patterns, vehicle type, driver history, prior insurance, and carrier pricing differ across the state.
25/50/25 + UM/UIM 25/50
$25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $25,000 property damage liability per accident, and uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident
At Fault
Offer/Rejection Rule
Connecticut does not require PIP for standard private passenger auto policies. Connecticut’s official minimum requirements list liability coverage and uninsured/underinsured motorist coverage, not PIP. Drivers who want first-party medical protection can ask about optional medical payments coverage or other available first-party coverages.
Required
Connecticut requires uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident. The Connecticut Insurance Department describes this coverage as protection against drivers who may be uninsured or may not have enough coverage.
Source: Connecticut Insurance Department
Recent rate data estimates Connecticut annual auto insurance premiums at about $2,714 for full coverage and $998 for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Clean record, 35, full coverage | ~$2,714/yr |
| Clean record, 35, minimum required coverage | ~$998/yr |
NerdWallet June 2026 Connecticut average annual rates for a 35-year-old driver with good credit and a clean driving history.
Source: NerdWallet 2026
Average premiums are estimates and are not quotes. Actual rates vary by ZIP code, garaging location, driver profile, driving record, credit-based insurance score where used, vehicle, coverage limits, deductibles, discounts, claims history, prior insurance, and carrier.
Connecticut minimum coverage focuses on required protection such as $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $25,000 property damage liability per accident, and uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Connecticut official guidance reviewed for this page uses proof-of-financial-responsibility and certificate-of-insurance language. Connecticut General Statutes Section 14-112 allows proof of financial responsibility to be provided by a certificate from an authorized insurer showing required coverage. Drivers may hear this called SR-22, but the exact filing requirement and duration should be confirmed from the DMV, court, suspension, or reinstatement notice.
Connecticut official DMV and Insurance Department guidance reviewed for this page does not use FR-44 as a standard Connecticut auto insurance filing.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Connecticut auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Connecticut drivers, including:
Connecticut drivers should ask about safe-driver, accident-free, good-student, multi-car, bundling, low-mileage, anti-theft, vehicle safety feature, telematics, paperless billing, automatic payment, and pay-in-full discounts. Connecticut DMV says eligible drivers age 60 or older who complete an approved accident-prevention course receive at least a 5% premium discount for at least 24 months.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | Progressive Group | 17.97% |
| 2 | Berkshire Hathaway Group | 15.49% |
| 3 | State Farm Group | 11.43% |
| 4 | Allstate Insurance Group | 9.61% |
| 5 | Travelers Group | 6.57% |
| 6 | Liberty Mutual Group | 4.96% |
| 7 | Farmers Insurance Group | 4.39% |
| 8 | United Services Automobile Association Group | 4.38% |
| 9 | Hartford Fire & Casualty Group | 3.32% |
| 10 | Amica Mutual Group | 2.79% |
Source: National Association of Insurance Commissioners 2024
Carrier rankings are based on NAIC 2024 Connecticut private passenger auto liability group-level direct written premium market share. These are insurance groups, not necessarily consumer-facing brand names or quote recommendations.
Find auto insurance in these major Connecticut cities:
The estimated average cost of car insurance in Connecticut is $2,714 per year for full coverage and $998 per year for minimum required coverage, based on NerdWallet’s June 2026 Connecticut rate analysis for a 35-year-old driver with good credit and a clean driving history. Your actual premium can vary by ZIP code, garaging location, driving record, vehicle, coverage choices, deductibles, discounts, credit-based insurance score where used, prior insurance history, and carrier.
Connecticut requires at least 25/50/25 liability coverage: $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability per accident. Connecticut also requires uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident.
PIP is not required in Connecticut. Uninsured/underinsured motorist coverage is required at minimum limits of $25,000 per person and $50,000 per accident.
Connecticut official sources reviewed for this page use proof-of-financial-responsibility and certificate-of-insurance language. Drivers may hear this called SR-22 in some reinstatement or high-risk insurance contexts, but they should follow the exact filing requirement shown on their DMV, court, suspension, or reinstatement notice.
Many insurance partners offer same-day coverage. Once you select a policy and complete the application, coverage can often begin immediately or on the date you specify.
Connecticut drivers can compare quotes, maintain continuous coverage, ask about safe-driver, good-student, multi-car, bundling, low-mileage, anti-theft, safety-feature, telematics, paperless billing, and payment-related discounts, and check whether a DMV-approved age 60-plus accident-prevention course discount applies.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
