{"id":20233,"date":"2025-12-02T15:53:00","date_gmt":"2025-12-02T20:53:00","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=20233"},"modified":"2025-12-11T11:27:24","modified_gmt":"2025-12-11T16:27:24","slug":"understanding-auto-insurance-coverage-in-connecticut","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/understanding-auto-insurance-coverage-in-connecticut","title":{"rendered":"Understanding Connecticut car insurance requirements"},"content":{"rendered":"\n

At Plymouth Rock, we do more than just help drivers get car insurance. Anybody can do that; we want to help you pick the right policy with the right coverage. Here are general descriptions of basic car insurance concepts, and the minimum Connecticut insurance requirements.<\/p>\n\n\n\n

Minimum required car insurance coverage in CT<\/h2>\n\n\n\n

In Connecticut, your car insurance<\/a> must have the following coverages at these limits:<\/p>\n\n\n\n

Coverage<\/strong><\/td>Minimum Limits<\/strong><\/td><\/tr>\n\n
Bodily Injury Liability<\/td>$25,000 per person \/ $50,000 per accident<\/td><\/tr>\n\n
Property Damage Liability<\/td>$25,000 per accident<\/td><\/tr>\n\n
Uninsured\/Underinsured Motorists<\/td>$25,000 per person \/ $50,000 per accident<\/td><\/tr><\/table><\/div>\n\n\n\n

Bodily injury liability<\/strong> covers claims others file against you or a household member for injuries you cause in an accident. The minimum limit in Connecticut is $25,000 per person and $50,000 per accident.<\/p>\n\n\n\n

Property damage liability<\/strong> pays for damages to another person\u2019s property when you or a household member cause an accident. Usually, this will be another person\u2019s vehicle. The minimum limit for property damage liability in Connecticut is $25,000 per accident.<\/p>\n\n\n\n

Uninsured\/Underinsured Motorists (UM\/UIM) coverage<\/a><\/strong> protects you, your passengers and family members when injured by a driver without insurance, or with limits that don\u2019t fully cover the injuries you sustain. It also covers injuries you sustain when hit by an unknown driver, as in the case of a hit-and-run. The minimum limits for UM\/UIM coverage are $25,000 per person and $50,000 per accident.<\/p>\n\n\n\n

Usually, your UM\/UIM limit will be equal to your bodily injury liability limit. You can also purchase more coverage, up to double your bodily injury liability limit.<\/p>\n\n\n\n

Additional coverages to consider<\/h2>\n\n\n\n

When you come to Plymouth Rock for your Connecticut car insurance needs, you\u2019ll have additional coverage options to choose from. While these coverages are not part of the Connecticut car insurance requirements, they offer more protection<\/a>. Here are just a few of the more common optional coverages our customers in Connecticut buy:<\/p>\n\n\n\n

Collision coverage<\/strong> helps pay to repair or replace your car after a collision with another vehicle or stationary object. Collision only covers damage to your car or someone else\u2019s car that you are operating with permission.<\/p>\n\n\n\n

Comprehensive coverage<\/strong><\/a> helps pay for damage to your car in situations NOT related to a collision. This includes natural disasters and storms, fire, vandalism, damages caused by hitting an animal and more.<\/p>\n\n\n\n

Underinsured Motorist Conversion coverage<\/strong> helps pay for injuries beyond your own UM\/UIM coverage limit. With conversion coverage, you\u2019re able to collect up to your UIM limit in addition to the other driver\u2019s coverage.<\/p>\n\n\n\n

Gap insurance<\/strong> helps protect you from having to make payments on a totaled car while you still owe money on a loan or lease. It helps pay for the \u201cgap\u201d between your car\u2019s current value and how much you paid for it.<\/p>\n\n\n\n

Deciding on car insurance limits<\/h2>\n\n\n\n

Carrying just the minimum coverage limits set by Connecticut car insurance requirements means in the unfortunate event of an accident, your insurance coverage may not be adequate to cover all of the expenses. That\u2019s why it\u2019s important to carry more than the minimum required coverage.<\/p>\n\n\n\n

Choosing your deductible<\/h2>\n\n\n\n

Your deductible is how much you need to pay before your insurance kicks in. A higher deductible can mean lower rates, but you\u2019ll need to pay more out-of-pocket for a claim. The right deductible for you depends on how much you\u2019re comfortable paying out-of-pocket.<\/p>\n\n\n\n

Still have questions about car insurance in Connecticut<\/a>? Give us a call and one of our insurance experts will help guide you through what coverage is best for you.<\/p>\n\n\n\t\t

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Now let\u2019s talk about you<\/strong>
\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at 800-516-9242<\/a> or speak to a local agent<\/a>. \n

\nIf you\u2019d rather not talk, you can get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"

This guide covers everything you need to know about Connecticut car insurance coverage including requirements and minimums.<\/p>\n","protected":false},"author":6,"featured_media":4961,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[79],"class_list":["post-20233","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-ct"],"acf":[],"yoast_head":"\nConnecticut car insurance requirements | Plymouth Rock<\/title>\n<meta name=\"description\" content=\"This guide covers everything about Connecticut car insurance coverage including requirements, minimums, and recommended coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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