Cheap car insurance in Connecticut for good drivers
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Affordable Connecticut car insurance that puts you first
Root rewards Connecticut drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Connecticut auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Connecticut auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Constitution State
Connecticut packs a lot of driving into a small state. Shoreline traffic, Hartford commutes, and routes toward New York, Massachusetts, and Rhode Island all keep Connecticut drivers moving.
Along the coast: I-95 connects Stamford, Bridgeport, and New Haven, making it a familiar route for drivers throughout southwestern Connecticut.
Farther inland: I-84 runs through Danbury and Hartford, while I-91 connects New Haven, Hartford, and communities toward the Massachusetts line.
Check your commute: The Connecticut Department of Transportation provides traffic and transportation information for drivers throughout the state.
From Hartford to New Haven and beyond: Explore Connecticut car insurance from Root.
Connecticut's minimum auto insurance requirements
To legally operate a vehicle in Connecticut, you must have Liability insurance and Uninsured/Underinsured Motorist coverage. If you’re found driving without it, you could face fines, a suspended license, and loss of privileges to renew or register any car.
The minimum coverage amounts for liability and UM/UIM car insurance required for drivers in Connecticut are [1] :
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist bodily injury coverage
$25,000 per person
$50,000 total per accident
Types of Connecticut auto insurance we offer
Explore our Connecticut car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Connecticut?
The average Connecticut driver pays $2,742 per year for full coverage car insurance [2].
Root customers looking to purchase Connecticut car insurance could save up to $1,300 a year.
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Connecticut Auto Insurance FAQs
What is the minimum car insurance required in Connecticut?
To legally operate a vehicle in Connecticut, you must carry liability insurance and uninsured/underinsured motorist coverage.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance and uninsured/underinsured motorist coverage are the only coverages you are legally required to select when purchasing auto insurance in Connecticut.
Is it legal to drive without insurance in Connecticut?
No, you cannot legally drive without auto insurance in Connecticut. State law requires every driver and vehicle owner to maintain continuous liability insurance and uninsured/underinsured motorist coverage and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Connecticut?
Yes. Connecticut requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Connecticut?
The easiest ways to save on your Connecticut car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Constitution State.
Is Connecticut a no-fault car insurance state?
No, Connecticut is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Connecticut?
Connecticut law does not require drivers to carry collision coverage. The state only requires minimum liability insurance and uninsured/underinsured motorist coverage. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Connecticut?
Yes, Connecticut requires drivers to carry uninsured/underinsured motorist coverage. It helps pay for injuries (and, depending on your policy, vehicle damage) when the at-fault driver has no insurance or not enough coverage. You can review your uninsured/underinsured motorist coverage options, including higher limits, in our app.
Does Root offer full coverage car insurance in Connecticut?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Connecticut?
High-risk Connecticut drivers may be ordered by a court or the Connecticut DMV to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
What happens if I'm partly at fault for an accident in Connecticut?
Connecticut uses a modified comparative negligence rule with a 51% bar. You can recover damages as long as your share of fault isn't greater than that of the other parties combined, though your compensation is reduced by your percentage of fault. If you're found 51% or more at fault, you can't recover damages.
Helpful resources for Connecticut drivers
Connecticut Insurance Department
The Connecticut Insurance Department regulates insurance companies in the state and helps consumers with questions and complaints.
Connecticut Department of Motor Vehicles
The Connecticut DMV issues driver's licenses and ID cards, manages vehicle titles and registrations, and maintains driving records.
Connecticut Department of Transportation
CTDOT plans, builds, and maintains the state's highways, bridges, and transit systems.
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References
Connecticut Insurance Department. What Is Auto Insurance.
Insure.com. Annual average rates were compiled in 2026.