Connecticut Car Insurance – CT Auto Insurance

Back in 2005, drivers from Connecticut paid $991 for their auto insurance. Today, Connecticut’s auto insurance premiums have gone up by more than 50%. This means drivers in Connecticut are paying $1,489 for their policies. This increase makes it very important that you educate yourself on insurance rates in Connecticut and shop around for your auto insurance policy to get the cheapest rate.

Connecticut Car Insurance Coverage Requirements

Connecticut state law, requires every driver in Connecticut to carry at the very least the minimum amount of automobile insurance. This minimum amount is commonly known as “basic insurance”. The basic insurance package is made up of two main types of insurance, they are bodily injury liability and property damage liability.

Bodily injury liability covers the medical expenses, lost wages and pain and suffering if you are deemed at-fault for injuring someone else in a car accident. This is more formally known as “third party liability”, because you are covering your financial risk in the event your driving causes physical harm to a third pary. Connecticut law dictates that the minimum for bodily injury per person is $20,000, while the minimum for bodily injury per accident is $40,000.

Property damage liability pays for the damages to another driver’s vehicle if you are found at-fault for an accident. This is known as “third party property liabilty” as you are covering the financial risk in the event your driving causes physical damage to a third party’s property. Connecticut law requires that property damage liability be no less than $10,000.

Want to learn more about the different types of coverages read our article, Types of Coverage.

How to File a Complaint Against a Connecticut Car Insurance Company

The department of Connecticut state government is responsible for regulating car insurance in their state. Therefore, any complaints you have as an insured against your insurance company or insurance broker may be filed with them. Here are a few ways you may contact the Connecticut Department of Insurance.

Web site: http://www.ct.gov/cid/site

Email: ctinsdept.consumeraffairs@ct.gov

Mailing Address:
State of Connecticut Insurance Dept.
Consumer Affairs
P.O. Box 816
Hartford, CT 06142-0816