Connecticut auto insurance
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Navigate Connecticut roads with quality auto insurance
Drivers in Connecticut face many risks and challenges, including some of the busiest roadways in the nation. While the small state has some quiet corners, most of Connecticut’s 3.6 million residents live near traffic corridors streaming with vehicles. This congested situation leads to frequent auto accidents that cause property damage and personal injuries. To navigate these risks, you need solid and affordable Connecticut auto insurance.
The risks of owning a vehicle
Recent statistics show that drivers on Connecticut roadways have an average of about 111,000 vehicle crashes each year. These collisions account for nearly 300 fatalities per year as well as significant injuries and property damage. Other important information that highlights the need for Connecticut auto insurance includes the following facts:
• An average of almost 37,000 injuries occurs each year from accidents.
• About 1,500 of these injuries are serious.
• About 85,000 crashes result in property damage to a vehicle.
• Over 90% of Connecticut households have at least one registered vehicle.
The cause of accidents often comes down to bad driving practices, with following too closely listed as the top reason for vehicle crashes. The next three top causes of accidents in Connecticut involve failure to yield, driving in a negligent manner and speeding. Drivers must also contend with traffic congestion, especially in the Hartford, Bridgeport and Milford areas, along with poor conditions and design of roads.
Though Connecticut has public transportation options, only about 5% of residents use this method to commute, while 78% of residents drive alone to school or jobs. The average commute time in the state amounts to 26 minutes of driving twice a day. With so much reliance on personal vehicles, residents need affordable auto insurance. VIU by HUB lets residents compare Connecticut auto insurance quotes online from multiple carriers while accounting for many different variables.
The average cost of auto insurance in Connecticut
The average auto insurance premium in the state amounts to a monthly premium of $250, or $3,000 a year. This ranks Connecticut among the more expensive states to carry auto insurance, putting it in 15th place. The insurance rates in some cities in the state, such as Bridgeport, Bristol and Hartford, are even higher than the state average. According to Forbes, the average annual cost for auto insurance in the U.S. comes in at $1,601 for full coverage and $513 for minimum coverage.
If you own a vehicle, you must have Connecticut auto insurance. Specific minimum requirements apply, starting with bodily injury coverage of $25,000 per person and $50,000 per accident. Drivers must also carry $25,000 in property damage, per accident, to cover an at-fault crash. The state also requires coverage of $25,000 per person and $50,000 per accident for uninsured or underinsured motorists. This coverage pays for expenses when you are hit by an at-fault driver who either didn’t carry insurance (uninsured) or didn’t carry enough insurance to address all the medical bills or car repair costs (underinsured).
When looking for auto insurance, it’s important to understand that many factors impact the cost of coverage. Some of the most principal factors include the following:
• The type and number of vehicles you own.
• The type of coverage options you select.
• Your driving history.
• Your age.
• Your credit history.
Where you live and how many miles you drive per year can further impact insurance costs. And if you have an auto loan, your lender may also impose insurance requirements as a condition of the loan.
The most popular coverages for Connecticut auto insurance
In addition to the minimum requirements, you also can customize your auto policy. This gives you options to create a plan that works for your situation. For example, you might choose higher deductibles to reduce your monthly premiums, though this could expose you to higher out-of-pocket expenses in the event of an accident.
By using VIU by HUB, you can explore how different coverages impact your premium. It’s an effective way to compare Connecticut auto insurance quotes. Many people opt for a version of full-coverage insurance, which has two key components in addition to liability coverage.
With Collision Coverage, your policy pays your repair bills up to a certain coverage limit that you choose. You can even receive the full value of your vehicle depending on your policy. You’ll typically have a deductible to pay, but after that, your out-of-pocket expenses will be minimal. Most people with newer vehicles choose Collision Coverage because it provides strong financial protection for both property damage and personal injury.
Your vehicle faces other risks and potential expenses aside from a collision. Comprehensive Coverage can help with additional situations, such as cracks in the windshield from debris, the theft or vandalism of items in your car or a range of natural disasters. Since these damages could result in thousands of dollars in expenses, many people choose to carry Comprehensive Coverage.
More options for Connecticut auto insurance
Depending on your situation, you may want to explore additional coverages. If you own antique vehicles, for instance, you might need a higher-cost policy to protect your investment. Without this extra layer of protection, you could face large expenses should your vehicle suffer extensive damage.
You can also add coverage for medical payments, which may cover added expenses that come with a serious injury for both you and your passengers. This add-on could also cover your medical expenses if you suffered injuries while riding in someone else's vehicle.
Roadside assistance provides aid to drivers who encounter situations such as a flat tire or a dead battery. It takes away the worry for some drivers and adds a layer of safety.
Each add-on will likely increase the cost of your insurance plan, so it pays to compare Connecticut auto insurance quotes. Using our VIU by HUB online tool gives you a clear picture of the costs associated with your optimal policy.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Auto insurance in Connecticut by city
Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.