Connecticut
- ~$65–$80
- ~$160–$185
- $25K/$50K/$25K
Connecticut drivers navigate tight suburban corridors, frequent congestion, and northeast winter hazards. While the state has a relatively low uninsured driver rate, premiums are driven up by traffic volume and repair costs in metro areas. Full coverage, including uninsured motorist and comprehensive protection, is a smart move for most drivers in the state.
Find a local Auto Insurance agents in your town:
Connecticut Auto Insurance Facts *
Drivers
- ~2.6–2.7 million licensed drivers as of 2023
- High density of drivers in and around Hartford, New Haven, Bridgeport, and Stamford.
- ~91% of households own at least one vehicle.
- Mix of sedans, SUVs, and increasing numbers of hybrid and electric vehicles.
- Suburban layout and limited rural transit options make personal vehicles essential.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~111,000 | ~29,000 | 294 |
| 2019 | ~113,500 | ~30,200 | 249 |
| 2020 | ~90,000 | ~25,000 | 308 |
| 2021 | ~98,500 | ~26,000 | 327 |
| 2022 | ~103,000 | ~27,400 | 357 |
Laws & Regulations
- Fault-based (tort) state.
- Uninsured/underinsured motorist coverage is required and must match liability limits.
- ~6–7% uninsured driver rate.
