{"id":22702,"date":"2023-05-09T18:57:39","date_gmt":"2023-05-09T18:57:39","guid":{"rendered":"https:\/\/www.etags.com\/blog\/?p=22702"},"modified":"2026-01-20T11:18:52","modified_gmt":"2026-01-20T11:18:52","slug":"connecticut-auto-insurance-cost-minimum-coverage-fines-penalties","status":"publish","type":"post","link":"https:\/\/www.etags.com\/blog\/connecticut-auto-insurance-cost-minimum-coverage-fines-penalties\/","title":{"rendered":"Connecticut Auto Insurance: Cost, Minimum Coverage, &#038; Fines\/Penalties"},"content":{"rendered":"<p>The University of Connecticut crash data repository\u2019s most recent statistics reflect 2020\u2019s car accidents in CT. 83,734 reported accidents, involving 155,886 vehicles, and 189,754 people. You can imagine all the insurance claims and payouts. In fact, to keep up with the ever-growing healthcare costs and inflation, car insurance rates went up 57.8% in CT between 2021 and 2022 to help cover bodily injury claims and more (Quadrant Information Services).<\/p>\n<p>\u00a0<\/p>\n<h2><strong>CT auto liability insurance coverage<\/strong><\/h2>\n<p>The Constitution State requires all drivers to carry auto liability insurance which breaks down to bodily injury and property damage coverage. Liability insurance doesn\u2019t cover your own injuries in case of a car accident. It also doesn\u2019t pay for your own damaged property. Instead, it pays for harm you\u2019ve caused by accidents in which you\u2019re at fault.<\/p>\n<blockquote><p>If you\u2019re leasing a vehicle or financing one, your lender or leasing company may have its own car insurance requirements on top of CT\u2019s minimums like collision and comprehensive and coverage<\/p><\/blockquote>\n<p>Connecticut drivers must also carry uninsured\/underinsured motorist insurance coverage. This is to protect you if you\u2019re injured by someone that\u2019s not insured or doesn\u2019t have enough coverage. CT has mandatory auto insurance limits:<\/p>\n<ul>\n<li>$25,000 bodily injury\/person<\/li>\n<li>$50,000 bodily injury\/accident<\/li>\n<li>$25,000 property damage\/accident<\/li>\n<li>$25,000 bodily injury\/person and $50,000\/accident for uninsured\/underinsured<\/li>\n<\/ul>\n<blockquote><p>A comprehensive insurance policy covers non-accident damage like theft, weather damage, and vandalism<\/p><\/blockquote>\n<p>\u00a0<\/p>\n<h2><strong>Connecticut\u2019s average policy costs $120\/month<\/strong><\/h2>\n<p>Car insurance cost in the Constitution State vary on a variety of factors, including your provider and whether you carry the state minimum requirements or full coverage. MoneyGeek says the average annual premium for car insurance in CT is $1,442 or $120\/month. But if you go for minimum coverage alone, the average drops to $884 annually.<br \/>\n<a href=\"https:\/\/www.etags.com\/blog\/4-reasons-your-connecticut-car-registration-is-denied-and-resolutions\/\">SEE ALSO: 4 REASONS YOUR CT CAR REGISTRATION IS DENIED AND RESOLUTIONS<\/a><\/p>\n<p>Poor credit score? According to MG, that\u2019ll cost you an average of $2,511 in Connecticut. Geico\u2019s minimum coverage is $470 per year on average, while Progressive\u2019s is $835. State Farm\u2019s annual average in CT is $747 while full coverage is $1,324.<\/p>\n<h2><strong>CT fines, penalties, and reinstatements<\/strong><\/h2>\n<p>Connecticut drivers must carry (the minimum state requirements) auto insurance coverage. Driving without a policy can lead to a hefty fine, anywhere between $100 and $1,000. You can also have your driver license suspended for a month the first time you\u2019re caught driving without insurance, or six months for any following conviction.<\/p>\n<p>More fees for no Connecticut auto insurance coverage include driver license and car registration reinstatement fee of $175 and $200 to reinstate canceled insurance. Not carrying proof of car insurance will cost you $50.<\/p>\n<p>\u00a0<\/p>\n<blockquote><p>A collision insurance policy covers damage to your vehicle after an accident regardless of who\u2019s at fault<\/p><\/blockquote>\n<p>Remember, you also need a valid CT auto insurance policy to be able to <a href=\"https:\/\/www.etags.com\/app\/us?utm_source=blog_article\">register your vehicle in Connecticut<\/a>.<\/p>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The University of Connecticut crash data repository\u2019s most recent statistics reflect 2020\u2019s car accidents in CT. 83,734 reported accidents, involving 155,886 vehicles, and 189,754 people. You can imagine all the&hellip;<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[39,3,1653],"tags":[1632],"class_list":{"0":"post-22702","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-cars","7":"category-car-insurance","8":"category-connecticut","9":"tag-car-insurance"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Connecticut Auto Insurance: Cost, Minimum Coverage, &amp; Fines\/Penalties | eTags<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.etags.com\/blog\/connecticut-auto-insurance-cost-minimum-coverage-fines-penalties\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Connecticut Auto Insurance: Cost, Minimum Coverage, &amp; Fines\/Penalties\" \/>\n<meta property=\"og:description\" content=\"The University of Connecticut crash data repository\u2019s most recent statistics reflect 2020\u2019s car accidents in CT. 83,734 reported accidents, involving 155,886 vehicles, and 189,754 people. 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