Auto Coverage in Connecticut
Connecticut Auto Insurance
All Connecticut drivers are required to carry auto liability insurance coverage with them while driving at all times. Drivers who are found not to have insurance may be fined $200 for not complying with the law.
Before they register a vehicle in the state of Connecticut, drivers will also need to show their proof of insurance. Connecticut insurance is often a bit pricier than in other states, averaging around $2,188 in July 2009.
Connecticut minimum auto insurance
Connecticut drivers are required to have the following minimum coverage:
- Bodily Injury and Death: $20,000 to cover one person in any one accident, and $40,000 to cover all injuries
- Property Damages: $10,000
Drivers are also required to carry uninsured motorist insurance, which helps to pay for costs for medical expenses for any uninsured drivers. The state does not require drivers to carry collision and comprehensive insurance, although it may be required by lenders or if you lease your car.
Penalties without Connecticut auto insurance
Drivers who are at fault in an accident are responsible for paying the victim's medical expenses and damages. Connecticut is a tort state meaning that one or the other driver must be found at fault if there is an accident.
If a driver lets an insurance policy lapse and fails to renew it, then the insurance carrier will report this to the Department of Motor Vehicles (DMV). This could result in a penalty of $200 and even a driver's suspension, as well as the loss of privilege to renew the registration.
Reducing cost of Connecticut auto insurance
There are several ways to qualify for discounts or lower premiums, including the following:
- Safety devices, air bags, or anti-theft devices
- Access to indoor garage or locked parking lots at your residence
- Living in geographic areas less prone to extreme weather like snow, hail, and hurricanes
- A safe driving history without accidents, tickets, or driving while intoxicated (DWI)