Car Insurance in Connecticut
Car Insurance Liability Requirements in Connecticut
Minimum Liability Limits in CT: 20/40/10 [ 4]
20 Required coverage up to $20,000 for one individual injured in an accident
40 Required coverage up to $40,000 for all persons injured in an accident
10 Required coverage up to $10,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
Required Car Insurance Coverage in Connecticut
Auto Insurance Coverage Requirements in CT [ 4]
Bodily injury liability coverage Property damage liability coverage Car Insurance Verification Laws in Connecticut
Insurer Verification of Auto Insurance in CT [ 4]
Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
Connecticut Car Insurance Facts, Estimates & Related Laws
Connecticut Car Insurance Facts
Average Car Insurance Rates in CT
Connecticut had the 8th highest auto insurance rates in the nation in 2010.
[ 2] Rates in CT ranked 8th in the nation in 2009.
[ 2] In 2008, CT had the 9th highest rates in the country.
Number of Auto Insurance Policies in CT
Connecticut ranked 29th in the nation in auto insurance policies in 2011 with a total of 2,454,106.
Uninsured Motorist Rate in CT
The uninsured motorist rate in CT ranked 41st in the nation in 2009.
Connecticut Distracted Driving Laws
Hand-held phone ban? Yes hand-held phone ban in place for all drivers. [ 7]
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to drivers younger than 18. [ 7]
Bus driver cell phone ban? Yes Ban applies to school bus drivers. [ 7]
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Connecticut Automotive Laws
Safety Belt Laws in CT
Safety belt laws have been in place since 1986 and apply to drivers/passengers 7+ years in front seat.
[ 7] Child restraint law in place for younger than 1 year or less than 20 pounds in a rear-facing restraint system; 1 - 6 years who is less than 60 pounds in a child restraint system.
Motorcycle Helmet Laws in CT
Motorcycle helmets required for 17 and younger.
Driver's License Renewal Cycle in CT
Renewal cycle: 6 years
Connecticut Auto & Driver Facts
Connecticut Automotive Facts
Speed Limits in CT
Rural interstates: 65 mph
[ 7] Urban interstates: 55 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in CT
Connecticut cities collectively ranked 33rd in the nation in total motor fuel consumption in 2011.
Connecticut Licensed Drivers
Licensed Drivers in CT [ 10]
Total Drivers: 2,986,267
CT has the 26th most drivers in the U.S.
Minimum Driving Age in CT [ 5]
Connecticut has a minimum driving age of 16 years.
Connecticut Auto Registrations
Auto Registrations in CT [ 8]
Registered Cars: 1,719,536
Registered Trucks: 1,003,799
Registered Motorcycles: 97,963
Total Registrations: 2,828,794
Rank: Connecticut ranked 30th in the United States in total auto registrations in 2011.
Additional information about Connecticut
Connecticut has a population of approximately 3,574,097, which ranks 29th in the U.S. among all states.
More about Connecticut auto insurance
For more information about auto insurance in CT, or for additional resources regarding
Connecticut car insurance, visit the Connecticut Department of Insurance.
Did you know?
As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration