What to expect when it comes to car insurance in Connecticut

The average annual car insurance quote in Connecticut is $2052. 

Whether you're traveling through Connecticut's towns or heading to the "Big Apple," you'll need to make sure you have the correct car insurance in Connecticut. You could face fines, a license suspension, or even jail time if you get into an accident without the right car insurance in Connecticut. 

Car insurance in Connecticut quotes are, on average, more expensive than the national average, and many drivers may want to obtain the cheap car insurance quotes available without losing coverage. Our team of analysts has looked at the average premiums to find cheap car insurance companies in Connecticut by market share to see who offers the cheapest coverage. 

Cheap car insurance in Connecticut quote 

In the United States, drivers pay $2052 for full coverage and $573 for minimal coverage, which is less than Connecticut drivers pay. 

According to our editorial team, the following five are the cheap car insurance companies in Connecticut with cheap car insurance quotes, good customer service, policy options, and financial stability after examining average premiums for the largest carriers. You might wish to get prices from these providers when you look for vehicle insurance. 

GEICO 

In Connecticut, GEICO is the cheapest car insurance company for both primary and full coverage. GEICO offers a wide variety of discounts on top of its already inexpensive premiums to assist customers in saving even more money. GEICO may be an excellent option if you're seeking mobile tools. Its iOS app has over 3 million reviews and a 4.8 out of 5.0 rating on the App Store. 

GEICO's auto insurance has more minor complaints than the national average. 

Amica 

Amica is a carrier established in Rhode Island that provides coverage in Connecticut. Amica's flexible dividend policies are one of the company's most distinguishing aspects. If you choose this policy type with Amica, you may be eligible for a refund of up to 20% of your annual car insurance premiums. 

Amica offers various reductions, even though its premiums are already lower than the Connecticut average. Being claim-free, being a homeowner, being a loyal customer, taking a driver training course, being a good student or a student away at school, or having a parent who is also an Amica policyholder may all qualify you for discounts. 

USAA 

USAA covers not all drivers; the business exclusively insures former and current military personnel and select family members. If you qualify, USAA may be a good option for your insurance. 

USAA provides a variety of insurance options, including auto, home, life, and umbrella insurance. If you have several policies, bundling them with USAA may save you money. You can also save money by being a good driver, parking your car on a military base, and traveling fewer miles each year. 

State Farm Insurance 

State Farm is the country's most extensive vehicle insurance company, with a market share of just over 9%. Despite having the highest full coverage price on our list, State Farm offers several discounts that may help you keep your premium low. Drive Safe & Save for adults and Steer Clear for teen drivers are two safe driving initiatives that can assist drivers in getting rewarded for good habits. 

State Farm received an above-average score, suggesting that policyholders are usually satisfied with its claims service. With a score of 0.69, the NAIC gave the personal auto product a lower-than-average complaint index rating. 

Nationwide 

Nationwide has been in operation for about a century. Its auto insurance for Connecticut drivers has lower-than-average costs and a wide range of coverage options. Standard vehicle insurance coverages are available, but drivers can also personalize their policies with features such as a vanishing deductible, gap insurance, and accident forgiveness. 

Several discounts are also available from Nationwide. SmartRide and SmartMiles, two of its telematics programs, are notable. These services may assist you in saving money on insurance by providing you with a more tailored rate based on your driving patterns or how often and how far you drive. 

Penalties for Driving Without Car Insurance in Connecticut 

Suppose you are caught driving without auto insurance or with a lapse in coverage in Connecticut. In that case, you will be issued a warning letter with the option to engage in a consent agreement, obtain insurance, and pay a $200 fine. Your registration will be suspended if you do not comply with the notice, and you will lose all rights to renew or register any other motor vehicle. To get your license back, you'll have to pay a $200 uninsured driver civil penalty and show evidence of insurance to your DMV. 

Basic rules of car insurance in Connecticut 

Drivers in Connecticut are obliged to obtain auto insurance on all registered automobiles under state law. The following are Connecticut's minimum coverage vehicle insurance requirements: 

• For one person in an accident, $25,000 in bodily injury coverage is available. 
• $50,000 for any bodily injuries suffered by all people involved in an accident. 
• Property damage coverage of $25,000 

Unless they are denied in writing, drivers must additionally acquire supplemental coverage for physical injuries caused by uninsured or underinsured motorists with limits of at least $20,000 (for one person)/$40,000 (for multiple people in an accident). 

Car insurance in Connecticut wrt DUI/DWI Laws 

According to Connecticut DUI legislation, anyone with a blood alcohol content (BAC) of 0.08 or more is regarded as under the influence and hence guilty of a Driving Under the Influence (DUI) violation. If you refuse to take a chemical test after being pulled over for a DUI, your license will be suspended for six months, and you could spend up to two days in jail. The following are the penalties for first-time intoxicated drivers (age 21 and up): 

• 45-day license suspension, followed by a year of driving only a car with an ignition interlock device. 
• A year in prison is mandatory, with the first 30 days not being suspended. 
• The fine ranges from $500 to $1,000. 
• Your car will be towed at your expense. 

Car insurance in Connecticut wrt cell phones 

Hand-held devices are prohibited while driving in Connecticut. In Connecticut, texting while driving is also prohibited. In Connecticut, talking or texting on a cell phone is a principal violation punishable by a fine of $125. 

Car insurance in Connecticut wrt SR-22 insurance documents 

An SR-22 form is a state-mandated or court-ordered document that verifies that a driver has the required level of vehicle insurance in their state. SR-22 insurance documentation may be required in Connecticut to establish that a driver's liability insurance is current.