Fair car insurance in Connecticut
Root offers affordable, high quality auto insurance to safe drivers in Connecticut. From Stamford to New Haven and Norwalk to Hamden, we make it easy for good drivers to save. Take the test drive and see if your good driving could save you hundreds.
How it works
Most car insurance companies base their rates on demographic data—things like your age, credit score, marital status, and ZIP code. Demographics don’t tell us much about you as a driver, so we don’t think that makes a lot of sense. Instead, Root offers rates based primarily on how you drive.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for car insurance in Connecticut
What are the minimum auto insurance requirements in Connecticut?
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.
You’re required to carry both your car registration certificate and car insurance ID card in your car at all times in Connecticut. (Connecticut is not an electronic proof of insurance state.) If you’re stopped for a traffic violation, you’ll be asked to show both documents to the officer. If you can’t, you’ll face a $50 fine.
Liability coverage
Liability car insurance helps to pay for any bodily injuries or property damage that occurs from a car accident you cause. It does not cover you or your passengers (that’s what MedPay is for) or your vehicle (but Collision and Comprehensive coverages do).
Minimum liability coverage Connecticut drivers must carry:
$25,000 Bodily Injury (per person)
$50,000 Bodily Injury (per accident – multiple people injured)
$25,000 Property Damage (per accident)
You can select higher limits if you’d like more coverage.
Uninsured/Underinsured Motorist Bodily Injury coverage
Uninsured/Underinsured Motorist Bodily Injury is another required coverage. This pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance. You’re also covered if you’re in an accident with a driver whose car insurance is insufficient or is considered underinsured.
Minimum required UM/UIM coverage in CT:
$25,000 Bodily Injury (per person)
$50,000 Total (per accident)
Note: UM/UIM will not cover property damage.
What other coverages does Root offer?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(including glass coverage)
Roadside Assistance
(included with every Root policy)
What is the average cost of car insurance in Connecticut?
Drivers in the Constitution State pay an average of $1,688 [1] in annual car insurance premiums, making it one of the more expensive states in which to buy insurance. The good news is that switching to Root could save you $900 a year on your auto insurance policy.
Start saving on car insurance in CT
Get an auto insurance quote based primarily on how you drive. You could save hundreds.