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Connecticut Auto Insurance Requirements
When you’re in the market for a new auto insurance policy in the “Constitution State” there are a few regulations that you’ll need to keep in mind. First and foremost, Connecticut is a “Tort” state, which means that you are financially responsible for any damage or injury that you cause during an accident. Liability insurance coverage is mandatory to meet this requirement. State-wide liability minimums exist, but they are fairly low (see the chart below). As such, you should purchase the highest coverage limits you can afford.
Uninsured and underinsured motorist bodily injury coverage is also required, with a minimum of 20/40 (see chart below). Again, higher amounts are recommended if your needs dictate them.
Underinsured Motorist Conversion Coverage is an option to keep your coverage amount from being reduced by the underinsured’s liability coverage, which is what usually happens. If you incur damages in an accident that are greater than the underinsured's policy limits, Conversion Coverage allows you to collect payment up to the sum of both parties' policy limits.
Optional auto insurance coverages in Connecticut include full glass breakage (with no deductible), medical payments, collision and comprehensive.
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Auto Insurance for Leased Vehicles in Connecticut (CT)
Most leasing companies in Connecticut typically require drivers to maintain insurance coverage which exceeds the minimums set by Connecticut state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
Special Auto Insurance Considerations in Connecticut by City
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Contacts for Auto Insurance Information in Connecticut
Connecticut Department of Motor Vehicles
60 State Street
Wethersfield, CT 06161
www.ct.gov/dmv |
State of Connecticut Insurance Department
153 Market Street
Hartford, CT 06103
www.ct.gov/cid |
**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.
Last Updated: August 19, 2010
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