Connecticut car insurance
See if you could be saving on your Connecticut car insurance by switching to Mapfre.
A guide to Connecticut auto insurance
Mapfre is dedicated to helping Connecticut drivers find the best car insurance at a competitive rate. Whether you live in Hartford, Bridgeport or somewhere else in the Constitution State we know how essential it is to get the coverage you need while staying within your budget.
Explore your options and get familiar with Connecticut insurance laws by consulting an experienced independent agent. If you already know what you’re looking for, securing car insurance in Connecticut is easy. Start your free quote online today.
Connecticut car insurance laws
Connecticut auto insurance is mandatory for all drivers to legally operate or register a vehicle in the state. Connecticut car insurance laws require drivers to maintain at least the minimum liability coverage to protect against damage or injuries resulting from an accident. Below are the required insurance coverages and minimum limits you need to know.
Legal minimum limits for auto insurance in Connecticut
| Connecticut required auto insurance coverage | Connecticut required minimum limits |
| Bodily injury to others (liability) coverage | $25,000 per person $50,000 per accident |
| Damage to someone else‘s property (property damage) coverage | $25,000 per accident |
| Bodily injury caused by an uninsured auto (uninsured motorist) coverage | $25,000 per person $50,000 per accident |
What car insurance covers in Connecticut
Because insurance laws and coverage differ by state, it’s essential to understand what car insurance coverage in Connecticut entails.
Required Connecticut auto insurance coverage:
The following are the mandatory coverages required for auto insurance in Connecticut:
Bodily injury liability coverage
Bodily injury liability coverage protects you financially if you cause an accident that injures someone else (not yourself). It typically covers medical bills, lost wages, legal fees, and pain and suffering. Connecticut’s minimum coverage is $25,000 per person and $50,000 per accident, but higher limits (up to $250,000 per person and $500,000 per accident) are available and often recommended due to rising costs.
Damage to someone else’s property coverage
Property damage coverage pays for repairs to property you damage in an at-fault accident, including other vehicles. The legal minimum in Connecticut is $25,000 per accident, but with repair costs rising, higher limits (up to $250,000) are available and often advisable.
Bodily injury caused by UM or UIM auto standard coverage
Connecticut law requires uninsured (UM)/underinsured (UIM) coverage with minimums of $25,000 per person and $50,000 per accident. This pays for your injuries if the at-fault driver has little or no insurance, including hit-and-runs. Coverage can be increased up to twice your Bodily Injury limit.
Optional coverages in Connecticut:
Although not mandatory, opting for additional coverage such as collision, comprehensive, and medical payments can provide greater peace of mind. If you lease or finance your vehicle, your lender may require you to carry collision coverage.
Collision coverage
Pays to repair your car after an accident, no matter who caused it. This includes collisions with other vehicles or objects, such as guardrails or trees.
Comprehensive coverage
Pays for damage to your car from things other than crashes, like theft, weather, or hitting an animal.
Medical payments coverage
Helps cover medical bills for you and your passengers after a car accident, no matter who is at fault.
Reparations benefits coverage
Reparations benefits coverage is a broader alternative to medical payments. Both cover your medical expenses and those of your passengers, regardless of fault. Medical payments offers flat limits and also covers funeral costs, lost wages, and survivor benefits.
Underinsured/uninsured auto conversion coverage
Connecticut requires standard underinsured/uninsured coverage (UM/UIM). With standard coverage, your UM/UIM limit is reduced by what you collect from the at-fault driver. Conversion coverage avoids this reduction, letting you combine both limits (“stacking”) for better protection.
Accident forgiveness
Enjoy added confidence on the road with Accident forgiveness, which is included in the Peace of Mind Package. Your first chargeable accident in five years will be forgiven, and for every year you stay claim-free, you’ll earn a deductible credit that keeps lowering your out-of-pocket costs until it reaches zero. If you ever file a claim, your credits reset when your policy renews.
Connecticut car insurance discounts
While Connecticut’s car insurance rates are close to the national average, there are plenty of ways to save. Some of the discounts offered to Mapfre Insurance drivers in Connecticut include:
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- Defensive driver
- Distant student
- Good student
- Auto club member
- Paid in full
Trusted coverage in Connecticut
Connecticut drivers and homeowners choose Mapfre for our outstanding service and trusted reputation. Thousands of customers have shared positive reviews on Google and Trustpilot, earning Mapfre 4+ star ratings. Our financial strength is also recognized by AM Best, which rates Mapfre Insurance as “A (Excellent).” With Mapfre, you can feel confident that your coverage is dependable, protecting your car, your home, and your peace of mind.
Find a Connecticut insurance agent near you
Partnering with an independent insurance agent can help you uncover more discounts and simplify the process of comparing Connecticut car insurance options. Mapfre Insurance collaborates with local independent agents across the Constitution State. To locate the agent nearest you, use our agent locator or select your city below:
Common questions about Connecticut car insurance
Can you drive without insurance in Connecticut?
In Connecticut, drivers cannot legally operate a motor vehicle without car insurance.
What car insurance is required in Connecticut?
The legal minimum limits for mandatory car insurance coverage in Connecticut is:
- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Damage to someone else’s property coverage: $25,000 per accident
- Bodily injury caused by an uninsured or underinsured auto standard coverage: $25,000 per person and $50,000 per accident
Does insurance follow the car or driver in Connecticut?
In Connecticut, insurance follows the vehicle, not the driver.
How much will car insurance in Connecticut cost?
What happens if you can’t get insurance in Connecticut?
If you’re having trouble finding car insurance in Connecticut, you can still get coverage through the Connecticut Automobile Insurance Assigned Risk Plan, also known as CAARP.
Please Note: This content is not intended to describe any specific coverage offered by Mapfre Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.
Mapfre Insurance® is a brand and service mark of Mapfre U.S.A. Corp. and its affiliates, American Commerce Insurance CompanySM (Cal. COA 4928-8); Citation Insurance CompanySM; The Commerce Insurance CompanySM; Commerce West Insurance CompanySM (Cal. COA 1372-2); and Mapfre Insurance CompanySM (Cal. COA 3039-5). Not all products available in all states.