How much coverage do you need in Connecticut?

Every state has slightly different car insurance requirements. In Connecticut, the minimum car insurance requirements are:

  • 25/50/25 in liability coverage to pay for bodily injuries and property damages you cause in an accident.
  • 25/50 of uninsured/underinsured motorist coverage to pay for damages and injuries caused by another driver with no insurance or too little insurance.

While collision and comprehensive coverages are not required by law, they are highly recommended. Collision insurance covers damages to your car if you cause an accident. Comprehensive coverageComprehensive coverage helps pay for damage to your car caused by events other than a collision, such as theft, fire, vandalism, or natural disasters. It is subject to a deductible. pays for vehicle damage unrelated to an accident, like hail, theft, vandalism and acts of nature. Both are required if you have a loan or lease on your vehicle.

How to calculate car insurance coverage in Connecticut

To use the Connecticut car insurance calculator:

  • Enter your ZIP code
  • Choose whether you own, finance, or lease your vehicle
  • If you finance or lease your car, you may need GAP coverage if it's less than a year old or if you put down less than 20% of the value
  • Choose if you want the lowest rates or the best protection
  • Enter your net worth to determine if you can pay for repairs or a replacement yourself
  • Choose if you and your passengers have health insurance to indicate if you need medical payment or personal injury protection

If you choose the lowest rates, the calculator shows the least coverage that will meet your needs. On the other hand, the best coverage choice shows the coverage levels that provide the best possible protection.

"Many financial experts recommend carrying at least $100,000 per person and $300,000 per occurrence- commonly expressed as "100/300." Consider what assets you have to protect and what you can afford when deciding how much to purchase," Walker says.