Connecticut car insurance

As you navigate the Constitution State's beautiful scenery, turn to Progressive to learn more about auto insurance in Connecticut and find the right protection along with an array of discounts to help you save.

3 min to read

What are Connecticut's auto insurance requirements?

Connecticut drivers are required to have car insurance. The minimum car insurance requirements that Connecticut residents must carry include auto liability coverage limits of at least:

  • $25,000 in bodily injury per person
  • $50,000 in total bodily injury per accident
  • $25,000 in property damage per accident

Connecticut also requires uninsured/underinsured bodily injury coverage (UM/UIM BI), with the following minimum limits:

  • UM/UIM BI: $25,000 per person, $50,000 per accident

Uninsured motorist coverage covers medical expenses for you and your passengers if a driver with insufficient coverage or no insurance at all runs into you.

While these are the minimum coverages in Connecticut, you may want to consider increasing your auto liability insurance limits to protect your assets.

Do you need comprehensive and collision coverage?

If you have a car lease or loan, lenders will typically require comprehensive and collision coverage. But even if you own your vehicle outright, these car insurance coverages may be worthwhile for protecting your vehicle against physical damage, vandalism, and theft.

Time for a change? Drivers nationwide who switch and save with Progressive save nearly $750 on average.* Get a car insurance quote today.

How much is car insurance in CT?

A Progressive liability-only auto policy (single driver/single car) in Connecticut cost $137 per month in 2020-2021, on average.** Many factors will determine your unique rate, such as your driving history, location, and coverage selections.

What are the available car insurance discounts in Connecticut?

Progressive offers a wide variety of discounts for cheaper auto insurance in Connecticut, such as:

  • Multi-policy
  • Multi-car
  • Five-year accident-free
  • Online quote
  • Paid in full
  • Continuous insurance
  • Electronic Funds Transfer (EFT)
  • Paperless

Bundling your auto and homeowners insurance in Connecticut can help you save money as you work to protect your assets. Own a boat or rent your home? Progressive offers a multi-policy discount when you bundle two or more of your policies, including Connecticut renters and boat insurance.

See all auto insurance discounts.

Pro tip:

Snapshot® from Progressive personalizes your rate based on your safe driving habits. See more about Snapshot.

Fast facts about driving and auto insurance in Connecticut

  1. Connecticut has some of the worst road infrastructure in the nation. Collision coverage can pay to repair your vehicle from damage caused by a pothole.

  2. In 2015, Connecticut passed a law requiring first-time DUI offenders to install an ignition interlock device in their cars. Learn more about how a DUI violation impacts auto insurance.

  3. The Insurance Information Institute ranked Connecticut as the 10th most expensive state for auto insurance in 2018. Learn more about how to get cheap car insurance.

How to get car insurance in Connecticut


Answer some easy questions and choose coverages.

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Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.