Connecticut Car Insurance

Understanding Connecticut's auto insurance requirements

In Connecticut, drivers are required to carry the following minimum liability coverage limits for auto insurance:

• Bodily Injury Liability Coverage:
  • $25,000 per person^*
  • $50,000 per accident^*
• Property Damage Liability Coverage:
  • $25,000 per accident^*

^*In Connecticut, these coverages can be combined with a single limit of $75,000.

Bodily injury liability coverage: This coverage helps protect you financially from claims of bodily injury that you're responsible for causing to someone else in an auto accident. This can include things such as medical expenses, pain and suffering and lost wages. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

Property damage liability coverage: This is coverage for damage to someone else's property that you're responsible for causing in an auto accident. It can apply to the damage of the other person's vehicle as well as to other damaged property, such as fences or other structures. Your policy may also pay legal defense costs to defend you if you're sued. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, Connecticut mandates coverages for uninsured motorist bodily injury, with the following minimum limits:

• Uninsured Motorist Bodily Injury Coverage:
  • $25,000 per person
  • $50,000 per accident

Uninsured/underinsured motorist bodily injury coverage: This coverage applies to your injuries if you're hurt in a car accident and the responsible party either doesn't have insurance, or doesn't have enough insurance.

It's important to understand that these are just the minimum requirements, and Connecticut drivers may choose higher coverage limits for added protection. 

Customizing auto insurance in Connecticut

After reviewing standard and optional coverages, you may be wondering how drivers in Connecticut typically put those choices together. YourPlan allows you to compare thoughtfully built coverage levels that are based on what drivers often select. Then, you can adjust and customize from there, choosing what feels right for your car and budget.

Essential

Core coverage that’s designed to meet the needs of many Connecticut drivers. Essential focuses on the foundational protections you expect in a standard auto policy, including coverage for your vehicle, injuries and damage you may cause to others, and common risks you face on the road. It’s a straightforward option without added enhancements.

Advantage

Broader coverage that offers added protection for more situations. Advantage builds on Essential by including optional coverages and upgrades that go beyond a standard policy. It’s a good fit if you want extra flexibility and additional protection for things like roadside assistance or certain types of damage.

Signature

Our most complete option, with enhanced protection and added benefits. Signature includes the highest level of coverage we offer, combining broader protection, higher benefit limits and extra safeguards. It’s designed to help reduce gaps in coverage and provide more confidence if a claim is more complex or severe.

YourPlan lets you explore these approaches in more detail and customize coverage based on what you need in Connecticut. Explore coverage options with YourPlan.

Key factors impacting Connecticut car insurance rates

There are several factors that impact auto insurance in Connecticut, including individual circumstances, weather patterns, location and more. Here are points to consider:

• Driving history: Your individual driving record significantly influences insurance premiums. Drivers in Connecticut with a history of accidents or traffic violations typically face higher rates compared to those with clean records.
• Coverage options and limits: The types and amounts of coverage you select affect your premiums. The minimum state-required coverage in Connecticut may be more affordable, whereas adding optional coverages with higher limits may result in higher premiums.
• Vehicle type: The make and model of your vehicle can impact insurance rates. Your car's safety ratings, repair costs and likelihood of theft contribute to determining premiums.
• Claims in Connecticut: The frequency and severity of claims filed within Connecticut can affect insurance rates. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in the area.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Connecticut auto insurance discounts for more savings

Amica offers various auto insurance discounts to help Connecticut policyholders save money on their premiums.¹ Here are some ways to save:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
  • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Defensive driver training: For drivers over 60, taking an approved driver safety course can earn you a discount.
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Connecticut policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle auto and home insurance with the same company. In fact, Connecticut drivers who bundle their policies with Amica may qualify for a valuable multiline discount.¹