Cheap Car Insurance in Connecticut
Connecticut is one of 49 states that require drivers to have auto insurance. However, the Constitution State has some of the highest auto insurance rates in the country. That is why it is important for residents to find cheap car insurance in Connecticut to lower their costs.
Minimum Connecticut Liability Limits
Each Connecticut driver must carry a mandatory minimum of liability insurance or suffer a hefty fine or penalty. The minimum payout requirements are as follows: $20,000 per person, $40,000 per accident for bodily injury and $10,000 per accident for property damage.
Drivers must at a minimum meet these requirements but drivers are wise to purchase optional higher liability limits. A person can easily incur $20,000 in medical bills with the price of health care. If you are found responsible for a collision, you could be held personally responsible for payment above your insurance limits.
The Consequence of Being Uninsured
Driving uninsured can lead to financial ruin. Additionally, Connecticut registers all uninsured vehicles with the Department of Motor Vehicles (DMV). The Connecticut DMV pulls random files for verification. The DMV gives each uninsured motorist a warning notice.
The notice contains an Insurance Compliance Consent Agreement that indicates the driver must obtain coverage or pay a $200 fine. If the driver does not comply, their registration will be suspended or the registration may be taken from the user.
Connecticut Insurance Rates
The average auto insurance premiums in Connecticut are approximately $990.75 according to 2008 figures. Liability coverage averaged approximately $625.61 and collision coverage averaged $343.44. The average price for comprehensive insurance is $133.37.
Only eight states had higher average premiums than Connecticut in 2008. The state is traditionally on the high end of the spectrum in terms of premium costs.
How to Find Affordable Connecticut Insurance
Connecticut drivers have dozens of insurance companies to choose from. Major carriers such as Geico, State Farm and Allstate may offer affordable deals to drivers, but there is a broad range of choices. Comparison shopping is key to find the lowest price but other factors such as service and policy options should also be considered.
Insurance companies may offer discounts for multiple policies, no accidents for a given period of time, loyal customer or an honor roll student. Other local insurance companies in Hartford and New Haven are available to assist with clients as well.
Get Free Quotes
Finding cheap car insurance in Connecticut can be easier with some research and perseverance. On our website, you can compare rates from leading insurers in the Constitution State. It is fast, easy, and convenient. Simply enter your zip code to get started.