Best and Cheapest Car Insurance in Connecticut (10 Most Affordable Providers for 2024)
The top picks for the best and cheapest car insurance in Connecticut are Geico, USAA, and Travelers, offering competitive rates and comprehensive insurance coverage.
Delve into various insurance options and available discounts, helping you make informed decisions to lower your premiums. Whether you're a new driver or thinking about changing providers, the insights provided will assist you in securing optimal coverage at affordable prices.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $32 | A++ | Low Deductibles | Geico |
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#2 | $40 | A++ | Military Drivers | USAA |
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#3 | $43 | A++ | Unique Coverage | Travelers |
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#4 | $47 | B | Student Savings | State Farm |
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#5 | $58 | A+ | Multi-Policy Savings | Nationwide |
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#6 | $65 | A | Rates With Claims | American Family |
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#7 | $69 | A+ | Coverage Options | Progressive |
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#8 | $78 | A | Safety Discounts | Farmers |
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#9 | $101 | A+ | Full Coverage | Allstate |
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#10 | $104 | A | Comprehensive Policies | Liberty Mutual |
Explore the benefits of low deductibles, services for military drivers, and unique coverage solutions to find the ideal car insurance in Connecticut.
See how much you’ll pay for car insurance by entering your ZIP code above into our free comparison tool.
What You Should Know
- Geico leads with the lowest monthly rates at $32
- Tailored options cater to Connecticut's unique insurance needs
- Discover comprehensive coverage benefits statewide
On this page:
- Geico: Top Overall Pick
- USAA: Best for Military Drivers
- Travelers: Best for Unique Coverage
- State Farm: Best for Student Savings
- Nationwide: Best for Multi-Policy Savings
- American Family: Best for Rates With Claims
- Progressive: Best for Coverage Options
- Farmers: Best for Safety Discounts
- Allstate: Best for Full Coverage
- Liberty Mutual: Best for Comprehensive Policies
- Car Insurance in Connecticut: Finding the Best Rates
- Cheapest Teen Car Insurance Rates in Connecticut
- Cheapest Car Insurance Rates for a Married Couple in Connecticut
- Cheapest Senior Car Insurance Rates in Connecticut
- The Impact of Location on Car Insurance Rates
- The Most Expensive Areas for Auto Insurance in Connecticut
- Minimum Coverage Insurance Requirements for Drivers in Connecticut
- The Reality of Uninsured Motorists in Connecticut
- Maximizing Insurance Discounts in Connecticut
- Understanding Car Insurance Rate Calculation in Connecticut
- Tips for Finding Budget-Friendly Car Insurance
- How Clearsurance Simplifies Finding the Best Insurance Options
- Ultimate Guide to Car Insurance in Connecticut
#1 – Geico: Top Overall Pick
Pros
- Affordable Low Deductibles: Discover our insurance deductible options with Geico, offering competitive rates with low deductible choices ideal for Connecticut drivers.
- Multiple Discount Options: Offers a wide range of discounts, including defensive driving and multi-policy, benefiting Connecticut residents.
- Strong Customer Service: Known for high customer satisfaction and efficient claims processing in Connecticut.
Cons
- Limited Local Agents: May lack availability of local agents for personalized, face-to-face service in Connecticut.
- Higher Rates for Poor Credit: Not always the best choice for Connecticut drivers with poor credit scores.
#2 – USAA: Best for Military Drivers
Pros
- Affordable Rates for Military Families: View our USAA reviews to find competitive rates tailored for military members and their families in Connecticut.
- Exceptional Customer Service: Renowned for high customer satisfaction and responsive service, particularly among Connecticut military personnel.
- Comprehensive Coverage Options: Provides a wide range of coverage, including specialized options for military drivers in Connecticut.
Cons
- Eligibility Restrictions: Available only to military members, veterans, and their families, excluding many Connecticut residents.
- Limited Physical Locations: Fewer branches in Connecticut compared to other insurers, which may inconvenience those preferring in-person service.
#3 – Travelers: Best for Unique Coverage
Pros
- Innovative Coverage Options: Explore our Travelers reviews to learn about unique and customizable coverage options for diverse needs in Connecticut.
- Strong Discounts: Provides multiple discount opportunities, including for safe driving and homeownership in Connecticut.
- Excellent Financial Strength: Backed by a strong financial rating, ensuring reliable claims payment for Connecticut drivers.
Cons
- Higher Premiums: May have higher premiums compared to some competitors in Connecticut, especially for full coverage.
- Mediocre Digital Experience: The online and mobile experience could be improved for better user satisfaction in Connecticut.
#4 – State Farm: Best for Student Savings
Pros
- Student Discounts: Offers significant savings for Connecticut students with good grades and safe driving records.
- Nationwide Network: Delve into our State Farm reviews to understand the benefits of their extensive network of local agents providing personalized service throughout Connecticut.
- Comprehensive Coverage Options: Wide range of coverage options including rental and roadside assistance for Connecticut drivers.
Cons
- Average Rates: Not always the cheapest option for non-student drivers in Connecticut.
- Limited Online Tools: The digital experience can be lacking compared to other top insurers in Connecticut.
#5 – Nationwide: Best for Multi-Policy Savings
Pros
- Multi-Policy Discounts: Significant savings when bundling auto insurance with other policies like home or renters in Connecticut.
- SmartRide® Program: Offers discounts based on safe driving behaviors through telematics for Connecticut drivers.
- Flexible Coverage Options: According to our Nationwide reviews, you’ll find a wide range of customizable coverage to fit various needs in Connecticut.
Cons
- Higher Rates for Single Policies: Standalone auto policies may be pricier compared to bundled options in Connecticut.
- Mixed Customer Reviews: Customer service experiences can vary widely in Connecticut.
#6 – American Family: Best for Rates With Claims
Pros
- Competitive Rates Post-Claim: Based on our American Family reviews, you can find affordable rates even for Connecticut drivers with a claim history.
- Generous Discounts: Multiple discount options including loyalty and good driver discounts for Connecticut residents.
- Solid Customer Service: Good customer satisfaction ratings, particularly for claims handling in Connecticut.
Cons
- Regional Availability: Not as widely available as some competitors, limiting access for Connecticut drivers.
- Higher Premiums for High-Risk Drivers: Rates can be higher for Connecticut drivers considered high-risk.
#7 – Progressive: Best for Coverage Options
Pros
- Wide Coverage Options: Extensive range of coverage choices, including custom parts and equipment coverage for Connecticut drivers.
- Snapshot® Program: Telematics program offering potential savings based on driving behavior for Connecticut residents.
- Competitive Pricing: In our Progressive reviews, discover competitive rates, especially for safe drivers in Connecticut.
Cons
- Inconsistent Customer Service: Customer service experiences can vary significantly among Connecticut drivers.
- Higher Rates for Poor Driving Records: Connecticut drivers with infractions may face higher premiums.
#8 – Farmers: Best for Safety Discounts
Pros
- Safety Discounts: Offers significant discounts for safe driving and safety features in vehicles for Connecticut drivers.
- Customizable Coverage: Within our Farmers reviews, explore the wide range of options to tailor policies to individual needs in Connecticut.
- Local Agents: Strong presence of local agents providing personalized service throughout Connecticut.
Cons
- Higher Base Rates: May have higher base rates compared to other insurers in Connecticut.
- Mixed Digital Experience: Online tools and mobile app could be more user-friendly for Connecticut customers.
#9 – Allstate: Best for Full Coverage
Pros
- Comprehensive Coverage: Extensive full coverage options, including accident forgiveness and new car replacement for Connecticut drivers.
- Drivewise® Program: See our Allstate reviews to learn about their telematics program that offers discounts for safe driving in Connecticut.
- Strong Financial Stability: Reliable financial strength ensuring dependable claims payment for Connecticut residents.
Cons
- Higher Premiums: Can be pricier than competitors for similar coverage levels in Connecticut.
- Variable Customer Service: Customer service quality can vary by location within Connecticut.
#10 – Liberty Mutual: Best for Comprehensive Policies
Pros
- Comprehensive Coverage: Offers robust coverage options including new car replacement and better car replacement for Connecticut drivers.
- RightTrack® Program: Telematics program that rewards safe driving with discounts for Connecticut residents.
- Strong Online Tools: With our Liberty Mutual reviews, you’ll find a user-friendly website and mobile app for managing policies and claims in Connecticut.
Cons
- Higher Premiums: Often has higher premiums compared to other insurers in Connecticut.
- Limited Availability of Local Agents: May lack the presence of local agents for in-person service in Connecticut.
Unlocking Affordable Car Insurance in Connecticut
Finding the right car insurance in Connecticut doesn't have to be overwhelming. By comparing various car insurance options and understanding the discounts available, you can make informed decisions to reduce your premiums. Whether you're a new driver or looking to switch providers, this guide will help you secure the best and most affordable coverage by identifying the best and cheapest car insurance companies.
The table provides monthly car insurance rates from various companies in Connecticut, considering demographics such as age, driving history, and vehicle type.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $101 | $196 |
| American Family | $65 | $125 |
| Farmers | $78 | $151 |
| Geico | $32 | $62 |
| Liberty Mutual | $104 | $201 |
| Nationwide | $58 | $112 |
| Progressive | $69 | $133 |
| State Farm | $47 | $91 |
| Travelers | $43 | $83 |
| USAA | $40 | $77 |
Explore the most cost-effective car insurance options for both minimum and full coverage in Connecticut. Geico stands out with the lowest rates, offering minimum coverage at $32 and full coverage at $62. State Farm and USAA also present competitive rates, making them excellent choices for budget-conscious drivers.
On the pricier side, Liberty Mutual and Allstate have higher premiums but might provide additional benefits that justify the cost. Select the best provider that meets your needs from a diverse range of reputable companies.
Leading car insurance providers in Connecticut offer numerous discounts to help you save on your premiums. Companies like Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA provide discounts for safe drivers, multi-policy holders, good students, and more. Additional discounts, varying by provider, include homeowner, new vehicle, paperless, and early signing. Utilize these discounts to maximize your savings.
Cheapest Teen Car Insurance Rates in Connecticut
That depends on who you're talking about. If you have a teen driver in your family, their policy options will vary depending on the company. You'll need to compare rates from multiple insurers. If your teen is new to driving and still in school, they may qualify for a student discount. Additionally, consider tips to keep teen drivers safe on the road to ensure their safety and potentially lower insurance costs.
The table below shows monthly car insurance rates for 18-year-old male and female drivers in Connecticut.
| Insurance Company | Female (Age 18) | Male (Age 18) |
|---|---|---|
| Allstate | $394 | $387 |
| American Family | $191 | $260 |
| Farmers | $381 | $401 |
| Geico | $107 | $131 |
| Liberty Mutual | $497 | $559 |
| Nationwide | $182 | $236 |
| Progressive | $441 | $493 |
| State Farm | $144 | $180 |
| Travelers | $410 | $656 |
| USAA | $154 | $163 |
These rates are based on profiles for 18-year-old male and female drivers in Alabama. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.
Cheapest Car Insurance Rates for a Married Couple in Connecticut
Geico's average car insurance rate of $140 is slightly lower than Allstate's $141 for married couples in Connecticut. This comparison describes a typical married couple in their 30s driving midrange cars with minimal accidents or tickets. Consider car insurance companies for married couples to find the best rates and discounts.
The table below shows monthly car insurance rates for a 35-year-old married couple with two drivers and two vehicles in Connecticut.
| Insurance Company | Rates |
|---|---|
| Allstate | $116 |
| American Family | $81 |
| Farmers | $101 |
| Geico | $37 |
| Liberty Mutual | $111 |
| Nationwide | $76 |
| Progressive | $103 |
| State Farm | $62 |
| Travelers | $54 |
| USAA | $59 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.
Cheapest Senior Car Insurance Rates in Connecticut
These companies offer the cheapest average car insurance rates to senior drivers in Connecticut. Senior drivers benefit from lower rates due to their extensive driving experience. Consider the best car insurance for senior drivers to ensure the most suitable coverage and rates.
The table below shows the average monthly rates for 65-year-old male and female drivers in Connecticut.
| Insurance Company | Female (Age 65) | Male (Age 65) |
|---|---|---|
| Allstate | $100 | $100 |
| American Family | $63 | $64 |
| Farmers | $77 | $77 |
| Geico | $32 | $32 |
| Liberty Mutual | $95 | $102 |
| Nationwide | $56 | $57 |
| Progressive | $73 | $68 |
| State Farm | $46 | $46 |
| Travelers | $42 | $42 |
| USAA | $40 | $39 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.
The Impact of Location on Car Insurance Rates
In addition to your age and marital status, car insurance rates in Connecticut vary based on the area in the state you live in. Your monthly rate could be based not only on your ZIP code, but which part of the city you're in. It's also important to know when to file a car insurance claim to avoid unnecessary increases in your premiums.
The table below shows the average monthly car insurance rates for 35-year-old single adults with one driver and one vehicle in different areas of Connecticut.
| City | Rates |
|---|---|
| Groton | $106 |
| Mystic | $107 |
| East Lyme | $108 |
| Niantic | $108 |
| Old Lyme | $109 |
| Quaker Hill | $109 |
| Waterford | $109 |
| Scotland | $110 |
| Ledyard | $110 |
| Canterbury | $110 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.
The Most Expensive Areas for Auto Insurance in Connecticut
Out of all areas in Connecticut, Hartford is the most expensive area for car insurance. Different areas in Connecticut have different car insurance rates based on factors such as car accidents or the crime rate in that particular area. These factors contribute to why car insurance is so expensive in certain locations.
The table below shows the average monthly car insurance rates for 35-year-old single adults with one driver and one vehicle in different areas of Connecticut.
| City | Rates |
|---|---|
| Hartford | $172 |
| Bridgeport | $169 |
| New Haven | $168 |
| Waterbury | $155 |
| East Haven | $154 |
| West Haven | $152 |
| Hamden | $149 |
| Milldale | $142 |
| North Haven | $139 |
| Branford | $139 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.
Minimum Coverage Insurance Requirements for Drivers in Connecticut
Just as there is usually a limit to what your policy will cover, sometimes there can also be a minimum requirement as well. Connecticut drivers are required to have two types of car insurance coverage: liability and uninsured/underinsured motorist coverage for bodily injury. These types of coverage protect drivers from costs associated with injuries to other drivers, as well as injuries sustained in an accident caused by a driver without insurance or not enough insurance.
The state has minimum limits for these coverage levels, listed below, but drivers should strongly consider purchasing higher limits. This will ensure that you are covered in a serious crash, even if this means you don't get to pay the lowest rates.
Minimum car insurance is mostly meant to cover your liability should you cause an auto accident. The cheapest monthly premiums are not always the overall cheapest, when you consider the cost of an auto accident. When you're checking out affordable rates, bear in mind that you're going to need a specific amount of protection that you should work into your budget.
In addition to these required coverages, Connecticut drivers should consider purchasing optional coverages. Collision and comprehensive are the two most common insurance types that aren't technically required. You can read more about them here. While these aren't required by the state, drivers whose cars are under a loan or lease agreement may have to purchase both coverages to protect their vehicle. Even without a car payment, many choose to have them to avoid a large bill all at once.
Connecticut state minimum requirements:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage.
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
The Reality of Uninsured Motorists in Connecticut
It may not be surprising that some drivers are on the road without insurance. Although it is the least expensive option, it is neither safe nor wise. Driving without insurance can result in significant financial burdens if you're involved in an accident, as you'll have to cover medical expenses and repair costs out of pocket. Protecting yourself against these high-risk, uninsured drivers is crucial. Having a clean driving record can also help in managing insurance costs and ensuring you're protected.
Connecticut requires drivers to have uninsured motorist coverage, which protects you if you are hit by uninsured driver, an underinsured driver or a hit-and-run driver. According to 2015 data from the Insurance Information Institute, 9.4 percent of Connecticut drivers don’t have insurance.
Maximizing Insurance Discounts in Connecticut
If you take the base rates for cheap auto insurance, you might end up paying much more than you have to. With additional coverage, you have peace of mind and protection in the even of a large or small accident. Many companies that offer extensive discounts are asking the same question: why pay more when you don't have to?
If you're working with a big name insurance carrier, you might sign up for a telematics program in the first 90 days. Companies offer an immediate discount and a long-term discount based on your driving habits. This can help you lower your car insurance premium.
Going electronic gives many drivers an easy discount that only takes a moment of their time. You click the button to go paperless. If you're really dedicated to saving, you can check affiliated organizations, use grades-based discounts for teen drivers, and more. If you meet the insurance requirements, you might be surprised at how much you can save.
Understanding Car Insurance Rate Calculation in Connecticut
When searching and comparing quotes from the best auto insurance companies in Connecticut, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Driving Record & Mileage
- Age, Gender, & Marital Status
- Your Car's Make, Model, and Year
- Location
- Amount of Car Insurance Coverage
Some of these things are largely within your control. Other things are up in the air or dependent on others around you. For example, you don't necessarily decide how many times a week you have to go into the office (and therefore how much you drive). Auto insurance providers use an average based on the miles to work and the number of days you drive.
You might not realize how much of an impact your neighborhood also has on you. If there are a lot of break-ins or accidents in your neighborhood, your insurance cost will be higher. On the other hand, if you also have a homeowners insurance policy with the same company, your rates could drop. Savvy insurance shoppers look at the big picture before making any financial decisions.
Tips for Finding Budget-Friendly Car Insurance
At the end of the day, we'd all like to have the best coverage at a cheap, affordable price from one of the best Connecticut car insurance companies. Financial stability is important to the average consumer. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are five ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies.
- Consider raising your deductibles.
- Pay your car insurance policy in full.
- Try usage-based car insurance.
- Shop for better insurance rates.
You can also check to see if your insurer offers any sort of safe driver discount, or other discounts that could lower your premium. Shopping around lets you find the most competitive rates, even when you're not necessarily looking at the cheapest carrier.
How Clearsurance Simplifies Finding the Best Insurance Options
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. This helps consumers understand how to get cheap car insurance by choosing companies with high customer satisfaction.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Ultimate Guide to Car Insurance in Connecticut
Whether you're buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
By entering your ZIP code below, you can get instant car insurance quotes from top providers.
Frequently Asked Questions
How much is the cheapest car insurance in CT?
The cheapest car insurance in Connecticut can vary widely based on various factors such as your driving record, age, and the type of coverage you choose. However, Geico often offers the most competitive rates, with minimum coverage starting as low as $32 per month.
What is the best and cheapest insurance for car in Connecticut?
The best and cheapest insurance for a car in Connecticut typically includes companies like Geico for affordability and USAA for military families, both offering excellent coverage at competitive prices.
What is the minimum car insurance in CT?
The minimum car insurance in Connecticut requires drivers to have both liability coverage and uninsured/underinsured motorist coverage. Specifically, the minimum liability limits are $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage.
Why is car insurance so expensive in Connecticut?
Car insurance is so expensive in Connecticut due to high traffic density, an increased likelihood of theft or accidents, and the high cost of vehicle repairs and medical care within the state. Additionally, Connecticut's extensive requirements for insurance coverage also drive up prices.
What is the best car insurance in Hartford CT?
The best car insurance providers in Hartford, CT, include major companies such as State Farm and Travelers, which offer extensive coverage options and competitive rates for a variety of drivers.
How much is car insurance in CT per month?
The cost of car insurance in CT per month varies, but on average, you might expect to pay between $32 for minimum coverage and up to $140 or more for full coverage depending on your chosen provider and individual risk factors.
What is full coverage insurance in CT?
Full coverage insurance in Connecticut generally refers to a policy that includes not only the minimum liability and uninsured motorist coverage but also collision and comprehensive insurance, which cover damage to your vehicle in most types of accidents, theft, and other damages.
What is the penalty in CT for driving without insurance?
The penalty in Connecticut for driving without insurance can be severe, including fines starting at $100, suspension of your driver's license and vehicle registration, and the possibility of being required to file an SR-22 form to reinstate your driving privileges.
Is CT car insurance cheaper than NY?
Generally, CT car insurance tends to be cheaper than in NY, primarily due to lower population density, fewer accidents, and slightly different insurance regulations that can affect overall insurance costs.
What is the most basic car insurance in Connecticut?
The most basic car insurance in Connecticut is the minimum required by state law, which includes liability coverage for bodily injury and property damage, as well as uninsured/underinsured motorist coverage. This basic coverage helps to ensure you meet state legal requirements but doesn’t cover damages to your own vehicle.