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Better rates for better drivers in Connecticut

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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 up to 52% on their car insurance.

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.

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You can customize and purchase your policy, all in the Root app.

State requirements 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 in Connecticut?

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Collision

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Rental Car coverage

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Personal Injury Protection

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Medical Payments

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Comprehensive

(including glass coverage)

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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 saves good drivers up to 52%.

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References

  1. Insure.com. Annual average rates were compiled in April 2020

Additional Resources

Car insurance FAQCar insurance coverageRenters insuranceClaimsTest driveReferralsAffiliatesContact

Root Insurance Company

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between September 2018 - August 2019; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information.