Does Connecticut have comparatively strict or lenient requirements for auto insurance coverage?

As touched on above, Connecticut requires drivers and vehicle owners to have the following minimum amounts of liability car insurance coverage: $25,000 for bodily injury liability per person injured in an accident you cause.

What are the minimum requirements for auto insurance in Connecticut?

Minimum Coverage Required by Connecticut Car Insurance Laws:

  • Bodily injury liability: $25,000 per person / $50,000 per accident.
  • Property damage liability: $25,000.
  • Uninsured and underinsured motorist insurance: $25,000 per person and $50,000 per accident of bodily injury.
  • MedPay: any amount.


What are the CT Car Insurance Requirements financial responsibility laws?

Connecticut’s Financial Responsibility Law requires that every driver carry liability insurance in the minimum limits of 25/50/25, and uninsured motorist insurance of 25/50. The law was implemented so that motorists and pedestrians are protected from potential damage incurred in auto accidents.

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Is it mandatory to have car insurance in Connecticut?

Nearly every state requires its drivers to carry car insurance. Connecticut requires drivers to maintain liability insurance as well as mandatory uninsured and underinsured motorist coverage. All drivers must also carry proof of insurance that must be shown at the request of law enforcement officials.

Is CT a no fault state for auto insurance?

No, Connecticut is not a no-fault state. Connecticut is an at-fault (or “tort”) state. That means the driver who causes an accident uses their insurance to pay for the other driver’s bills from the collision. Police and insurance companies use the available evidence to decide who is at fault for the accident.

What type and amount of auto insurance state of Connecticut requires?

A minimum of $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability, is required by law, but drivers are strongly urged to consider higher limits.

Does insurance follow the car or driver in Connecticut?

Car insurance usually follows the car in Connecticut. The types of car insurance that follow the car in Connecticut are bodily injury liability, personal injury liability, uninsured motorist protection, collision, and comprehensive.

What is the insurance minimum coverage by law?

California requires drivers to carry at least the following auto insurance coverages: Bodily injury liability coverage: $15,000 per person / $30,000 per accident minimum. Property damage liability coverage: $5,000 minimum. Uninsured motorist bodily injury coverage¹: $15,000 per person / $30,000 per accident minimum.

What is the lowest liability insurance?

The cheapest liability car insurance is from Geico, AAA, and USAA. Liability-only car insurance is coverage that only pays for damage that you cause to other people and their property in a car accident, and it is the minimum amount of car insurance required in most states.

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What is the minimum amount of liability coverage that must be provided under an auto policy?

Any person operating a motor vehicle must have liability insurance with the following minimum coverage: $25,000 for bodily injury to or death of 1 person in 1 accident; $50,000 for bodily injury to or death of 2 or more persons in any 1 accident; and $25,000 for injury to or destruction of property in any 1 accident.

Who has the cheapest car insurance in CT?

Find Cheap Auto Insurance Quotes in Connecticut

Rank Company Average annual rate
1 Travelers $634
2 State Farm $657
3 Geico $1,104
4 Nationwide $1,166

What coverage is mandatory to drive in CT?

Connecticut law (C.S.G. 14-112) requires: $25,000 in coverage per person per accident for bodily injury liability* $50,000 in coverage per accident for bodily injury liability*

What is the average cost of auto insurance in CT?

Auto insurance is expensive in Connecticut. The average car insurance premium in Connecticut is $1,544 annually — more than the US average by 8.2%.

How long does an insurance company have to investigate a claim in CT?

In general, the insurer must complete an investigation within 30 days of receiving your claim. If they cannot complete their investigation within 30 days, they will need to explain in writing why they need more time. The insurance company will need to send you a case update every 45 days after this initial letter.

How long do you have to report an accident in CT?

How Long Can You Wait in Connecticut to Report a Car Accident? In Connecticut, you have to report a motor vehicle accident within five days if it has resulted in property damage worth at least $1,000. You should contact a law enforcement agency that is closest to your location.

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How much is car insurance in CT per month?

Car insurance in Connecticut costs $86 per month, on average, or $1,027 per year. The average cost of car insurance in Connecticut is 43% higher than the national average auto insurance premium, and Connecticut ranks 42 out of 50 for the most affordable car insurance rates in the U.S.

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