Connecticut Auto Insurance Policy Requirements

Q: What is in a basic Connecticut auto insurance policy?
A: A basic auto insurance policy in Connecticut can include the following primary kinds of coverage:

  1. Liability Coverage
    1. Liability insurance is divided into two kinds, because people and property are considered separately in the insurance industry:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in Connecticut. The following liability coverage is required to legally drive in Connecticut (along with a valid driver’s license):
      1. 20/40/10” (The minimum auto insurance requirement in Connecticut)
      2. $20,000 for injury/death to one person.
      3. $40,000 for injury/death to two people or more.
      4. $10,000 for damage to property.
    3. These liability minimums differ for leased vehicles.
  2. Collision Coverage is mandatory if your vehicle has not been paid off (i.e. is currently financed). If your vehicle has been paid for, then collision coverage is simply an option for your Connecticut auto insurance policy.
  3. Comprehensive Coverage is again mandatory if your vehicle is currently financed. Otherwise, you can choose whether or not to include coverage in your Connecticut auto insurance policy.
  4. Medical Payments Coverage is recommended, but not mandatory, for an auto insurance policy in Connecticut.
  5. Uninsured (and Underinsured) Motorist Coverage is required for all auto insurance policies in the state of Connecticut.
  6. Personal Injury Protection (PIP) Coverage is not required for a Connecticut auto insurance policy.
  7. Other Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Connecticut a No-Fault state?
A: No, it’s not a no-fault state.

Q: How can I get a discount on a Connecticut auto insurance policy?
A: Auto insurance companies offer different ways to save money for eligible customers. Our list of auto insurance discounts offers more information.

Q: Where can I find more information about Connecticut auto insurance?
A: Here are some websites specific to Connecticut that offer more information on auto insurance:
  1. Connecticut Insurance Resources
    1. The Connecticut Department of Motor Vehicles (DMV) has an insurance page that further details requirements and discounts available in Connecticut. The DMV services include vehicle registration, providing driving records to the public, and vanity plate registration.
    2. The Connecticut Insurance Department (CID) serves consumers by regulating the insurance industry, enforcing insurance laws, and providing information to the public on insurance law.
  2. National Insurance Resources

CLICKinsure offers its broker services to the 169 towns of Connecticut, from its rural villages to its industrial cities. Whether you live in the rivaling towns of Hartford or New Haven, Fairfield County’s Gold Coast, Litchfield Hills, or anything in between, our agents will connect you with an automobile insurance policy that is best for your needs. Drive up Bear Peak, wind through Connecticut’s glacier-carved valleys, or zip through the Connecticut Turnpike – whatever your style, you need good insurance. And with Connecticut residents boasting the highest incomes in the country, you want nothing but the best, and CLICKinsure can help.