Auto Insurance in Connecticut

Overview

Connecticut is one of the rare U.S. states that allows its residents to register their vehicles without providing proof of insurance. This doesn’t mean that auto insurance in the Constitution State isn’t required. While the state doesn’t require proof of auto insurance at the time of vehicle registration, it does require that you to sign a Connecticut Registration Certificate in which you attest that that the vehicle will not be driven without insurance and that at least the minimum required vehicle liability insurance will be maintained throughout the registration period.

The Connecticut Department of Motor Vehicles (DMV) randomly selects Connecticuters to provide evidence that they are insured by a Connecticut auto insurance policy. If you are selected, you will be required to show proof that your vehicle has the minimum auto insurance coverage. The other reasons you may be subject to a random request is if you have not paid your premium or renewed your premium and the DMV contacts you following notice by your insurer.

What are the required minimum limits of liability?

The state of Connecticut requires every driver to purchase automobile insurance with the following:

Bodily injury

  • $20,000 – per person
  • $40,000 – per accident

Property damage

  • $10,000

Bodily injury and property damage liability insurance covers damages to another individual or other property.

Who is covered under my policy?

A Connecticut auto insurance policy covers the registered drivers as well as other drivers who are borrowing or using the automobile if the vehicle’s use does not violate the policy’s terms and conditions. Relatives and family members must be registered on the policy if they live with the policy holder and use the vehicle regularly.

Is Connecticut a no-fault or a Tort state?

Connecticut is a Tort state. It was a no-fault state until 1994. In a Tort-based system, the party not at fault is free to initiate legal action to recover adequate compensation for the losses suffered.

Car insurance payout is dependent on the percentage of fault assigned to at-fault party. In Connecticut, this system is called Proportional Comparative Fault. What this means is that:

  • A party more than 51 percent at fault for an accident can’t seek compensation for the other party’s negligence.
  • If a party wishes to file a claim with the state of Connecticut, that person must be found to be at less than 51percent fault.

It is the insurance claims adjuster who makes the determination of fault percentages, based on precedents and auto insurance industry conventions.

Frequently asked questions about Connecticut auto insurance – for seasonal residents

Q: What do I do if I am planning on storing my vehicle?

A: If you are planning on not driving your vehicle, cancel or place your Connecticut marker plates on hold. The plates should be returned to the DMV. Otherwise, you must keep your vehicle insurance policy current.

Q: I want to keep my marker plates. W hat should I do?

A: In this case you will want to request something called a “suspension of liability.” This can be done through your insurance company or agent. During this time, be sure to keep comprehensive auto insurance coverage in force. You may not drive your vehicle during this period. In addition to protecting your vehicle from being reported, this will decrease your insurance rate.

Average annual insurance premium cost

According to Insure.com, for 2011 the average annual auto insurance premium for the state of Connecticut is $1,786, which is higher than the national average of $1,561.

 

Resources

Insurance Information Institute www.iii.org
Connecticut Department of Motor Vehicles www.ct.gov/dmv
State of Connecticut, Insurance Department
Tel 860-297-3900 or 800-203-3447
Web http://www.ct.gov/cid