How Much is Car Insurance in Connecticut?

Young couple figuring out how much is car insurance in CT

Need to know how much is car insurance in CT? We’re here to help. Here’s everything you need to know about the cost of car insurance in Connecticut, what coverages you need and how you can save money.

How Much is Car Insurance in CT?

The price of your car insurance policy will mainly come down to which coverages you choose and their limits. The coverage limit is the maximum amount your insurance carrier could pay in the event of a claim.

In Connecticut, car insurance is mandatory. You must carry the following coverages at these limits:

Required CoverageMinimum Limit
Bodily Injury Liability$25,000 per person / $50,000 per accident
Property Damage Liability$25,000 per accident
Uninsured/Underinsured Motorists$25,000 per person / $50,000 per accident

Bodily Injury Liability Coverage

This protects you if you’re responsible for injuring someone in a car accident. This coverage can help pay for the injured party’s medical expenses, lost wages and pain and suffering. It may also help pay for your expenses in a related lawsuit. You need at least $25,000 of coverage per person and $50,000 per accident in CT.

Property Damage Liability Coverage

This protects you if you are responsible for damaging someone else’s property in a car accident. This coverage helps reimburse another person for their damaged property (such as a car or a building). It also helps pay your expenses in the event of a related lawsuit. There’s a minimum limit of $25,000 per accident for CT insurance policies.

Uninsured/Underinsured Motorists Coverage

This protects you, your passengers and family members if injured by a driver without insurance, or with limits that don’t fully cover the injuries you sustain. It also covers injuries you sustain when hit by an unknown driver, as in the case of a hit-and-run. The minimum limits for UM/UIM coverage are $25,000 per person and $50,000 per accident.

Full Coverage

Connecticut does not require coverage for damages to your own vehicle. However, these may be required as a condition of a loan or lease on the car.

  • Collision coverage covers the cost to repair or replace your car after a collision with another vehicle or stationary object. Collision only covers damage to your car or someone else’s car that you are operating with permission of the owner.
  • Comprehensive coverage protects your car from damage NOT related to a collision. This includes things like natural disasters and storms, fires, theft, vandalism, damages caused by hitting an animal and more.

Having “full coverage” means having these coverages in addition to your required liability coverage.

Optional Coverage

These coverages are not required in Connecticut, but are recommended to offer more protection for you and your vehicle.

Medical Payments coverage pays for reasonable expenses for necessary medical and funeral services incurred by you and your family members who live with you as a result of a motor vehicle accident, up to the coverage limits you select.

Underinsured Motorist Conversion coverage helps pay for injuries beyond your own UM/UIM coverage limit. With conversion coverage, you’re able to collect up to your underinsured motorist coverage limit in addition to the other driver’s coverage.

Gap insurance protects you if your car is totaled while you still owe money on a loan or lease. It helps pay for the depreciation of your car, or the “gap” between your car’s current value and how much you paid for it.

Car Insurance in CT Cost Details

Carriers price insurance based on a variety of considerations like location, driving experience, driving record and type of car insured. Here are just a few factors that affect the price of insurance in Connecticut:

Coverage Limits

It goes without saying, but the more coverage you have, the higher your premiums will be. Saving now with lower limits may mean paying more in the long run if you have a claim that exceeds your limits. Make sure you understand what your insurance covers so you can protect yourself, your family and your assets.

Type of Car

The kind of car you drive is a big factor when it comes to your insurance rates. Contrary to popular belief, the color of your car doesn’t actually matter for insurance purposes. What does matter, however, is the cost to repair the vehicle. Repair cost is one of the most important factors to consider when insuring a car.

For example, cars with large production runs are typically cheaper to repair because of better parts availability. These kinds of cars are, in general, cheaper to insure than low-volume luxury or sports cars that may need specialized parts.

Vehicle Rating Factors
Repair costMake and model
HorsepowerAge of car
Where the car is parkedSafety features

Driving Record

How you drive also makes a huge difference in how much your insurance will cost. Accidents and moving violations on your record indicate to an insurance company that you are riskier to insure. The best way to keep your insurance costs down is to drive safely and maintain a clean driving record.

The Right Coverage for You

The best coverage for you depends on your personal needs. Think about your ability to pay for medical expenses for another party if you are at fault in an accident that causes injuries. Also consider the value of your car and the amount that you’re comfortable spending in the event of an accident or even a total loss.

Having only the minimum coverage means paying more out of pocket in the event of an accident where the costs exceed the minimum limits. It may give you the cheapest premiums, but those savings might be negated if you’re liable for injury or damages.

Car Insurance Discounts in Connecticut

If you’re looking to save money on car insurance, we offer Connecticut drivers a variety of great discounts and benefits. Here are just a few of the ways you can save on car insurance with Plymouth Rock!

CT Car Insurance Discounts
BundlingAdvanced Shopper


An easy way to save on insurance is to enroll in eDocuments. Plymouth Rock and other providers offer a discount if you choose to receive your policy documents electronically. You’ll get all of your insurance documents emailed directly to you.


Save by having multiple cars listed on the same policy. Our Multi-Car discount ensures you get the best value and makes it easy to manage auto insurance for all your vehicles.


At Plymouth Rock, you can also save when you bundle your car insurance with other policies like homeowners and renters insurance. The more companion policies you have, the more you save!

Advanced Shopper

If you are switching to Plymouth Rock from another company, you could save if you a new policy more than seven days before the effective date.

Now Let’s Talk About You
Do you have the right coverage for your vehicle? We’d love to chat with you about it. Call us at 855-993-4470 or speak to a local agent.

If you’d rather not talk, you can get a quote quickly and easily online. Just enter your ZIP code to get started and see how much you could save!