Connecticut Car Insurance – Auto Insurance Quotes in CT
While Connecticut is the third-smallest state in the nation, its residents enjoy the third-largest median income. It is also one of the most densely populated states in the nation, with a population of 3.5 million residents living in just 5,544 sq miles, including water.
This dense population may explain, in part, why Connecticut drivers also pay car insurance premiums that consistently rank in the top ten highest rates nationwide. Even with these facts taken into consideration, it is still possible to find affordable car insurance in CT through MyCarInsuranceRates.com.
Connecticut Car Insurance Requirements
The state of Connecticut follows a Tort, or at-fault, car insurance system, meaning someone must be found to be at fault for causing an auto accident. That person and their car insurance company are responsible for all damages caused by the accident. Drivers who do not comply with Connecticut’s minimum auto insurance requirements are subject to fines and license suspension.
Connecticut drivers have a wide variety of car insurance options available, ranging from the basic state minimum coverage to full comprehensive car insurance policies. MyCarInsuranceRates.com helps drivers find and compare the best car insurance policy for their coverage needs, at the best rates, with the top car insurance companies nationwide.
Understanding Connecticut Car Insurance Liabilities & Coverage
Connecticut motorists are required by state law to maintain minimum bodily injury liability limits of $20,000 per injured person and a total of $40,000 bodily injury liability per accident, including medical expenses. Property damage liability coverage must have a minimum limit of $10,000, providing protection against public and private property repairs and claims.
Connecticut state law further requires minimum uninsured/underinsured motorist coverage of $20,000 per person and a total of $40,000 per accident for any bodily injury. This basic coverage, referred to as 20/40/10 coverage with 20/40 UM limits, is not generally considered sufficient to cover the cost of a car accident in Connecticut, and drivers are advised to consider purchasing a plan with higher limits.
Connecticut Insurance Coverage
- Bodily Injury Liability: $20,000/$40,000 Limit
- Property Damage Liability: $10,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $20,000/$40,000 Limit
Connecticut Car Insurance Laws & Regulations
Connecticut requires insurance for all registered vehicles that will be operated on a public road. Off-highway and non-registered, non-operational vehicles do not have to be insured. If a consumer does not plan to drive a vehicle, they must contact the Connecticut DMV and place the registration on hold. Drivers must carry proof of insurance at all times in their vehicle and cannot register a vehicle without proof of auto insurance.
Penalties for not carrying mandatory car insurance are a $200 fine and suspension of the vehicle’s registration. If the driver fails to pay the fine and correct the violation, the state can revoke their ability to register any other vehicles in the future.
Average Connecticut Car Insurance Rates
The average car insurance rates for residents in Connecticut were $2,011 in 2010, while the national average was $1,538 annually. Some drivers in the state just assume that they will have to pay high premiums and never shop around for lower car insurance quotes, but 2010 saw a 6% decrease in average car insurance rates. As a result, it is important to compare auto insurance quotes so you get the best available rate.
If your premiums have not come down in the past couple of years, you may be overpaying by hundreds of dollars. MyCarInsuranceRates.com can help you find the best rates and top car insurance companies, and bring your premiums down instantly.
Connecticut Car Insurance Quotes
With cheaper car insurance rates for Connecticut drivers in 2010, getting the best car insurance quote at the lowest rates available is easy. MyCarInsuranceRates.com helps drivers get the cheapest auto insurance rates by offering quotes from the top best car insurance companies, including Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA and AARP.
Now is the perfect time for Connecticut drivers to shop for new rates on their auto insurance. Enter your zip code to find the best insurance companies in Connecticut, and instantly get free car insurance quotes to find out how much you can start saving on your car insurance right now. Consumers can compare rates, insurance coverage, and policies to find cheap Connecticut car insurance.
