Connecticut drivers pay around $2,753 a year for full coverage — not far off the national average. The state is at-fault but mandates uninsured/underinsured motorist coverage on top of a 25/50/25 liability minimum. Here's the coverage you must carry, what residents pay, and how to find a cheaper rate.
Connecticut runs on an at-fault (tort) basis, yet it mandates uninsured/underinsured motorist coverage alongside its 25/50/25 liability minimum — the reason its minimum-coverage average runs about 29% over the national figure. Full coverage lands close to the national average at roughly $2,753 a year, with heavy traffic in the Hartford, New Haven, and Bridgeport corridors pushing city rates higher. Credit history is a permitted rating factor.
The coverages below are the minimum a driver must legally carry in Connecticut. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $25k | Mandatory |
| Uninsured / underinsured motorist | $25k / $50k | Compulsory in Connecticut |
| Personal injury protection | Not required | Connecticut follows an at-fault model |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,753/yr | 2% above U.S. | Comprehensive and collision included |
| Minimum coverage | $1,089/yr | 29% above U.S. | Bundles the required UM/UIM |
Estimates apply national rate-increase multipliers to Connecticut's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$2,753/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$3,937/yr | +43% | 2,753 × 1.43 per Bankrate |
| Speeding ticket | ~$3,414/yr | +24% | 2,753 × 1.24 per Bankrate |
| DUI on record | ~$5,176/yr | +88% | 2,753 × 1.88 per Bankrate |
| Young driver (18–24) | ~$5,506/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$4,680/yr | +70% | 2,753 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Connecticut's required UM/UIM coverage makes its minimum policy more protective — and pricier — than bare-liability states. Full coverage is close to average, but the carrier-to-carrier gap for one driver is wide given credit and ZIP-code effects across the dense southwestern corridor. Comparison shopping is the most effective way to find value, especially for drivers in the higher-cost Fairfield County area.
Connecticut is an average-cost state with stronger mandatory protection (UM/UIM) folded into its minimum. Weighing several carriers and keeping your credit healthy is the best way to secure a competitive Connecticut rate.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Connecticut are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Connecticut insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.