Find out how much you can save on Connecticut car insurance.

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Why choose Root for your Connecticut car insurance policy?

Connecticut drivers, did you know that your state has the third most expensive car insurance rates, on average, in the nation? Yikes—welcome to Root, where we make car insurance fair, simple, and affordable. Good drivers save up to $100/month on car insurance, and we think you deserve some relief.

What makes Root different from traditional insurers in Connecticut?

We base rates primarily on how you actually drive, not on some statistical profile of your age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to 52%.

Root is disrupting the broken insurance system by bringing fairness and ease to customers across the Constitution State.

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

It’s a good time to be a good driver in Connecticut.

Root’s competitive quotes and simple app make car insurance easy and affordable for the best drivers in Connecticut—from Hartford to New Haven, Waterbury to Stamford, and all points between (we’re looking at you, Bridgeport).

What are the minimum car insurance requirements in Connecticut?

To legally operate a vehicle in Connecticut, you must have liability insurance. If you’re found driving without it, you could face fines up to $200, a suspended license, and loss of privileges to renew or register any car.

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Medical Payments or Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.

Minimum required liability coverage in CT:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)
  • $20,000 Property Damage (per accident)

Connecticut also requires you to carry uninsured/underinsured motorist (UM/UIM) coverage. This coverage helps to pay for your medical bills after an accident caused by either an uninsured driver or a driver who doesn’t have adequate insurance to pay your medical bills.

Minimum required UM/UIM coverage in CT:

  • $25,000 Bodily Injury (per person)
  • $50,000 Total (per accident)

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Personal Injury Protection
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

When do you need to show proof of insurance?

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.

How does having insurance affect registering your car?

When registering your car in Connecticut, you’ll need to complete an Application for Registration and Certificate of Title (Form H-13B). This form includes an insurance section where you must provide your insurance company's name and policy number. When you sign the form, you acknowledge that you'll maintain the minimum Connecticut car insurance requirements while your car is registered.

What are the fines and penalties if you’re caught without insurance?

Insurance carriers are required to report cancellations of insurance to the Connecticut Department of Motor Vehicles (CDMV). When notified of your insurance cancellation, the CDMV will send you a warning notice that will offer you the chance to buy car insurance and pay a $200 fine to avoid any further penalties.

If you don’t respond to your first warning notice, you’ll be sent a suspension warning, which may require you to take part in a hearing. A hearing may lead to:

  • Suspension of your car registration
  • Loss of your privileges to renew or register any car

What is the average cost of car insurance in Connecticut?

When it comes to car insurance premiums, Connecticut is the third most expensive state in the nation and the average driver in Connecticut pays about $1,897 2 annually. But many people pay much more than that, due to their bad driving counterparts. Root customers save up to $1,112 a year, on average.

What our customers tell us

Root car insurance app for iPhone and Android

Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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