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.
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.
