Connecticut Auto Insurance
Back in 1901, the state of Connecticut passed the very first automobile law in the nation, setting the speed limit at 12 miles per hour. Things have changed a lot since then in the Constitution State. Driving has become a necessity for millions of residents, and they need to be protected from the costs that may arise from being involved in a crash. That's why it's written in Connecticut law that every driver must have an auto insurance policy in good standing.
Auto insurance rates in Connecticut can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!
Try our simple form for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you can pick the price you like, too.
Required Auto Insurance in Connecticut
First and foremost, anyone who wishes to drive in Connecticut must obtain liability coverage. These policies are designed to protect anyone who may be victimized in an auto accident for which you are responsible. Within policy limits, liability insurance will provide coverage for medical costs, property damage, and other related monetary damages that stem from an accident. Furthermore, Connecticut also requires all drivers to purchase uninsured/underinsured motorist coverage. This type of policy helps protect you in case you or your passengers are injured in a collision caused by someone else who does not have the proper amount of (or any) liability insurance.
State Minimum Liability Coverage in Connecticut:
- BI or Bodily Injury: $20,000 per person, $40,000 per accident
- PD or Property Damage: $10,000 per accident
State Minimum Uninsured/Underinsured Motorist Coverage in Connecticut:
- Per person: $20,000
- Per accident: $40,000
To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Connecticut to Consider
It's entirely possible that you may not be satisfied with the minimum level of coverage provided by a basic auto insurance policy. That's why there are several types of optional coverages that can give you greater peace of mind as you drive throughout the state.
Below are some examples you may want to consider:
- Collision Coverage: Were you aware that the average auto repair bill in the U.S. is around $3,000? Unless you have that kind of money lying around, you should strongly consider purchasing collision coverage in addition to your liability insurance. That way, if you cause a collision or even run into a pole, tree, or structure, your policy will cover whatever it takes to get your vehicle back on the road again (within policy limits).
- Comprehensive Coverage: Many misfortunes can damage your vehicle even when you aren't driving it. Theft, vandalism, floods, and snow and ice damage cost vehicle owners billions of dollars each year. Comprehensive insurance reimburses policyholders in the event that their vehicles are victimized by these or other types of misfortune.
- Higher Bodily Injury Limits: In today's health care climate, $40,000 does not pay for much when it comes to medical costs. So if you cause an accident in which bodily injury expenses exceed this level, you could be ordered to pay the difference out of your own pocket. That's why AIS strongly recommends that you increase the limits for bodily injury coverage on your liability insurance.
- Higher Property Damage Limits: Connecticut's minimum liability coverage level of $10,000 for property damage is among the lowest in the nation. This means that if you cause an accident in which damage to other vehicles or structures exceeds that amount, you could be held responsible for whatever is left over. Increasing the property damage limits of your liability policy can help prevent this problem from occurring in the first place.
Other than liability or uninsured/underinsured motorist coverage, you don't have to have any other insurance coverages in order to legally drive in Connecticut. But these optional policies can save you from potential financial disasters in the future, so why not call AIS today to see if one of them is right for you?
Connecticut Auto Insurance Discounts
There's a good chance that you may qualify for one or more auto insurance discounts that are offered in Connecticut. These discounts could add up to substantial savings on your auto insurance premiums.
Some of the most common discounts include:
- Safe driver
- Good student
- Accident free
- And more…
To learn more about specific discounts, visit our Discounts page.
Connecticut is home to a great many wonderful attractions, scenic views, and people. But like anywhere else, there are hazards and dangers which can result in auto body damage and serious injuries. Therefore, it's important that all Connecticut drivers and their families are protected from all of the perils they may face on the roads. The friendly and experienced staff at Auto Insurance Specialists can help you find affordable coverage that fits your needs. So call AIS today to find out more about a Connecticut auto insurance policy.
Start a Connecticut Insurance Quote Today: (888) 772-4247