The state of Connecticut is one of the most populated states in the United States. It has a population size of around 3.6 million people, all packed within its borders. The state shares borders with some of the densely populated states, Boston and New York City roads, among other rather large cities.
All these come together to make Connecticut one of the most populated roads in the country. You’d hardly find more densely populated roads anywhere else in the country. Despite this fact, Connecticut still has some open lands in its rural areas. Some communities can only be described as completely covering the country’s range of wealthiest to the other end present in the state. Together, these factors have contributed to creating a variety of auto insurance quotes in CT (Connecticut). It is only advisable that when shopping for the best car insurance in CT, one keep their wits about them.Recent studies have shown that the differences in rates for car insurance companies in CT are somewhat vast. After all, the most expensive rates were discovered three times as much as the cheapest car insurance rates you could get. This, combined with other factors such as your age and driving history, could end up fetching you cheap car insurance CT, as long as you keep your options open by first shopping around.
The only relief for residents is that there is a large selection to pick from. In Hartford alone, the capital city, several insurance companies can be found. The number is so impressive that the city is often referred to as the Insurance Capital of the World. This could also be why Connecticut was the first state to institute a speed limit of 12 miles per hour for cars way back in 1901.
Who Has The Cheap Car Insurance In Connecticut?
The concept of cheap auto insurance CT is the same as that of anywhere else; several factors combine to earn you cheaper car insurance rates. Different considerations go into determining your insurance quotes. These could include your age, driving history, credit score, and the nature of your insurance package, among other factors.
Thus it is best to consider cheap car insurance quotes CT in this regard. Here are a few examples.
Good drivers in Connecticut
Drivers with a history of clean driving and above-average credit can expect to get the cheapest auto insurance quotes in CT from the following Companies
- Geico at an annual rate of $1,125.
- Safeco at an annual rate of $1,284.
- Allstate at an annual rate of $1,379.
- State Farm at an annual rate of $1,484.
- MetLife at an annual rate of $1,583.
- Amica at an annual rate of $1,675.
With no recent or prior accidents or traffic law violations, drivers can lower these rates with good credit scores. Drivers with this sort of profiling are considered to have the standard full coverage option. This usually means both collision and comprehensive insurance coverage accompany the minimum coverage that is required by the state.
Minimum Coverage in Connecticut
If a driver is opting for just the state-required minimum for car insurance, the cheapest rates such a driver can get come from the following companies
- Geico at an annual rate of $592
- Safeco at an annual rate of $685
- Allstate at an annual rate of $754
- Amica at an annual rate of $873
- Progressive at an annual rate of 956
- State Farm at an annual rate of $1,124
These rates are based on the assumption that drivers have good credit history and a clean driving record.
Good driver, poor credit in Connecticut
As a good driver with poor credit, the cheapest rates you can get for auto insurance quotes in CT come from the following companies
- State Farm at an annual rate of $1,634.
- Amica at an annual rate of $2,674.
- Geico at an annual rate of $2,935.
- American Family at an annual rate of $3,192
- Safeco at an annual rate of $3,516.
- Progressive at an annual rate of $3,852.
As a driver with poor credit, your best option would be to shop around as much as possible. This will assist you in finding the cheapest car insurance quotes you can possibly get. After all, poor credits have a larger impact on the quotes you get than even getting into a recent at-fault accident or being charged with a DUI.
Who Has The Best Car Insurance In CT?
The answer to this question is relative. Averagely, 21st Century Insurance has the best overall car insurance quotes CT. Their insurance policies come to about $1054 per year and have the options for car replacement in case of accident damage or loss and for roadside assistance if you ever need one. The company even allows their customers to lower their yearly rates with discounts such as a multi-policy discount, anti-car theft device discount, good student discounts, and even loyalty discounts.
That said, 21st Century Insurance might have the best overall rates, but your particular situation also plays a role in determining which car insurance is best for you.
For instance, USAA has the best car insurance in CT when it comes to military personnel. Whether active, honorably separated, or retired, military personnel can expect an insurance quote of about $948 per year. This not only the one that makes the cheapest rates in Connecticut, but it also makes it the best for military personnel. There are also additional options to lower the rates included in the coverage, such as roadside assistance, multi-policy discount, and even accident forgiveness.
Another instance of the best being outdone is the multiple car coverage options. AAA holds the title of best in this regard. The company’s average rate comes to about $1101 per year, and they offer their members some additional benefits. By taking out a policy with them, you can look forward to adding bonuses like accident forgiveness and new car protection to your cars. The company is also quite reputable for its claims service as well as its customer service. All policyholders with the company have roadside assistance added to their policies. So if you are insuring multiple cars, the title of best car insurance in CT lies with AAA.
Top 10 Best Car Insurance Companies In Connecticut
The title of the best car insurance company is not one that is easily determined. Based on the conditions of the policyholder, the rates offered by the company may differ from time to time. This especially makes it a somewhat difficult task to specify which company is best in terms of rates.
Thus, we will be considering some other factors that make a company truly stand out for our purposes. These factors will be
- Customer Service
- Financial Strength
- Claims Experience
The information provided here was sourced by looking at the ratings given to the companies by J.D. Powers U.S. Car Insurance Study and AM Best’s financial capability ratings. These two rating systems are regarded as the industry standard when it comes to rating companies.
|Companies||Financial Stability||Affordability||Claims Ratings||User Satisfaction||Overall Score|
Although USAA scores were exceptionally high in all fields, you should note that its services are only available to military personnel and to their families. While they might offer the best car insurance in CT, they are not available to everyone.
Average Cost Of Car Insurance In Connecticut
A driver with good credit and flawless driving history should expect to pay an average of $1,164 per year for minimum coverage to car insurance companies in CT. For full coverage policies, such a driver should expect to pay about $2752 on average for car insurance.
It is also worth noting that your location is bound to affect your car insurance quotes CT. Here is a table of full coverage policies in the major cities of Connecticut.
|City||Average annual cost||Percent from average|
Note that these rates are for those opting for full coverage policies. If you are going with medium or minimum car insurance coverage, then these figures are not applicable to you. For such purposes, it is best to shop around and get quotes from insurance providers directly.
How To Get Cheaper Car Insurance In CT?
If you are looking for cheap auto insurance CT, there are several ways to lower your insurance quotes. Generally, your rates are dependent on several factors such as age, driving history, credit score, and even location. So, insurance companies have just as many reasons to lower your rates as they do to raise them.
Insurance providers in Connecticut offer several kinds of discounts. One notable discount is for bundling your car insurance policy with your home insurance or renters insurance. Another discount that is offered is offered to members of specific credit unions or organizations.
Asides from this, students with good grades can also qualify for lower rates. This requirement varies from one insurance company to the other. Also, families may have their rates lowered if their younger drivers are away at school. Suppose you are also willing to install a recommended tracking device on your car. In that case, your provider may opt to lower the rate on your policy.
The kind of vehicle you drive also plays a role in determining your auto insurance quotes in CT. Premium cars like the convertible and other higher performance cars are bound to cost more to insure than regular family cars. Older vehicles are also not worth paying for full coverage insurance, especially if an accident is bound to put the car to rest permanently. Rather, make sure to ensure only what’s necessary and do away with the rest.
Asides from these factors, shopping around for better rates is also advised. While your current rates might make you happy, you should not hesitate to look around at other rates whenever your policy needs to be renewed. Even if you are not jumping ship to another provider, you should also reexamine your policy’s contents each year to determine if you are only paying for what’s necessary and not just wasting money on unnecessary coverage options.
Opting for a higher deductible is an additional way to bring down your insurance rates. Your deductible is how much would be paid out of your pocket in case an accident occurs before the insurance company steps in. Make sure to discuss with your insurance agent each time your policy is being renewed. As your vehicle gets older, you should start to expect cheap car insurance CT.
Is Connecticut A No-Fault State?
The state operates a fault system when it comes to car-related incidents. As such, in the event of a car accident, the driver who is considered to be at fault will be considered to be responsible for covering the financial expenses resulting from such an accident. This means the at-fault driver will cover the costs of repair in case of vehicular damage, costs of treatments in case of injuries, and any other loss that arises due to the accident.
Technically, this can be considered as the responsibility of the at-fault driver’s insurance company. They will cover any and all costs incurred by the driver, at least up to the limits on his policy.
Persons injured in a car accident in Connecticut can choose to act in any of the three ways highlighted below.
They can choose to
- File a claim with their insurance provider. As long as whatever loss they suffered is covered in their policy, their provider may have to chase down a subrogation claim with the at-fault driver’s insurance provider.
- File a third-party insurance claim with the insurance provider of the at-fault driver
- File a personal injury suit in a court against the driver who’s at fault.
No-fault states do not operate like this, and injured persons do not have access to as many options as they would in an at-fault state. In no-fault states, persons injured during a car accident would be forced to turn to their own providers in order to lay claims to funds for treatments and medicine.
They do not consider who is at fault for the accident at all. Injured persons are only allowed to file claims with the at-fault driver only after they have exceeded certain set thresholds. Some other states in the nation operate this way; an example is Connecticut’s northern neighbor. Nonetheless, Connecticut’s resident drivers have no need to worry during in-state events.
Cheapest Car Insurance For Drivers With A DUI In Connecticut
Connecticut’s drivers are among the safest drivers in the country when it comes to DUIs. A study conducted by the CDC (Centers for Disease Control and Prevention) found that about 2% of Connecticut’s drivers have driven under the influence in the last 30 days before the study. This low figure puts Connecticut in a much better position than a lot of other states when it comes to DUIs. TO further reinforce its desire for safe driving, the state places penalties on drivers who have a DUI record. These penalties range from fees, fines, and even sometimes, jail time.
Your cheap auto insurance CT plans will also suffer if you have a DUI on your record. Car insurance companies in CT are known for raising premiums for drivers with DUIs.
The list below shows insurance companies with the best rates for drivers with DUI records.
Progressive – Progressive came in at 1 in Connecticut in 2020 for the cheapest auto insurance for drivers with a DUI at an annual rate of $1,381.
State Farm – State Farm came in at 2 in Connecticut in 2020 for the cheapest auto insurance for drivers with a DUI at an annual rate of $1,441.
USAA – USAA came in at 3 in Connecticut in 2020 for the cheapest auto insurance for drivers with a DUI at an annual rate of $1,741.
Allstate – Allstate ranked 4th in Connecticut in 2020 for the cheapest auto insurance for drivers with a DUI at an annual rate of $2,181
Travelers – Travelers came in at 5 in Connecticut back in 2020 as the cheapest auto insurance for drivers with a DUI at an annual rate of $2,493
Nationwide – Nationwide came in at 6 in Connecticut in 2020 for the cheapest auto insurance for drivers with a DUI at an annual rate of $2,810.
GEICO – GEICO came in at 7 in Connecticut in the year for the cheapest auto insurance for drivers with a DUI at an annual rate of $2,934.
Amica Mutual – Amica Mutual came in at 8 in Connecticut for the cheapest auto insurance for drivers with a DUI at an annual rate of $3,989.
MetLife – MetLife came in at 9 in Connecticut for the cheapest auto insurance for drivers with a DUI at an annual rate of $5,239.
Cheapest Car Insurance For Students In CT
The first step to lowering auto insurance quotes in CT for young drivers is to join their parents’ policies. This step, and driving a relatively safe and very reliable car, goes a long way to reduce the insurance quotes that a young driver might get from insurance providers. Also, taking a driver’s education class and obtaining excellent grading from the class will most likely go a long way in getting young drivers discounts on their policies. In fact, just by taking and passing the driver’s education class, a young driver may qualify for both the Defensive driving discounts and the Good Student discount.
And with all the insurance policies, you have to make sure and shop around other insurance providers in order to get the deals that best suit you. You should remember to reassess your policy if your child ever leaves the state for one reason or the other.
Sudden changes like that can heavily impact the details of your insurance policy. So while you might take care of the insurance for your children in colleges and high schools, this kind of change can still affect your policies’ costs.
Also, since younger drivers have little to no experience, providers are less inclined to give them cheap auto insurance CT. Young drivers must first prove themselves to one of the car insurance companies in CT before finding one that’s willing to reduce the rates. Also, with the passage of time and clean driving history, the rates are bound to drop.
Here are the cheapest car insurance companies for students in CT
- Allstate at an annual rate of $2,682
- Nationwide at an annual rate of $2,985
- GEICO at an annual rate of $3,257
- Amica at an annual rate of $3,584
- State Farm at an annual rate of $3,758
- Progressive at an annual rate of $3,998
Car Insurance CT Minimum Requirements
Full coverage options are not mandatory in the state of Connecticut, at least not when it comes to auto insurance. Instead, drivers just have to meet the minimum requirement needs in order to be considered as insured. The minimum requirements for car insurance in Connecticut are as follows
- $10,000 in property damage liability
- $20,000 in bodily injury per person per accident
- $20,000 in uninsured motorist coverage
- $40,000 in bodily injury for all persons per accident
- $40,000 in underinsured motorist coverage
Each of these requirements has a role to play in the event of an accident.
The coverage for bodily injury does as its name suggests. It covers drivers for any medical expenses that injured persons in the other vehicle might have to cover as a result of the accidents. In some cases, this extends to the purchase of medical support equipment such as crutches. Sometimes, it even extends to visits to the doctors too.
The coverage goes further to cover any lost wages or income that the affected may have to forgo as a result of the accident, as well as all legal fees in the case of the following suit.
The property damage covers you for all damages done to the other driver’s vehicle or property in an at-fault situation.
The uninsured motorist coverage only comes into play when there is an uninsured driver involved in an accident. As long as the uninsured driver is not at fault, they will not have to pay medical bills or car repair costs as the coverage option will take care of it.
Underinsured motorist coverage comes into play when a driver’s liability limit has equal to or less than the driver’s uninsured motorist coverage. It can also function when a driver is unable to cover all outstanding bills as a result of the accident because his liability limit has been reached.
Why Car Insurance Quotes Vary In Connecticut?
There are various reasons why your car insurance quotes may vary. Some of these factors include
- How good or bad your credit score is.
- How old you are.
- How old your car is/ the mileage on your car
- The model of your car
- Which discounts you qualify for.
- What your source of income is.
However, studies have revealed that auto insurance rates in CT may vary because of where you live. In fact, this can be quite a significant impact. The differences between the rates in one community and the next could be as much as hundreds of dollars. It is quite easy to explain why this is.
Your community’s population size plays a specific role in determining what your insurance quotes will look like. If you live in densely populated regions, then you are bound to have higher insurance rate quotes than those who live in the more rural areas. Why? The number of cars is largely different in both areas. In densely populated regions, there are more people and thus more cars. With more cars present, the chances of you getting into an accident go up, and so does your insurance quotes. This is simply because the insurance company is making sure to protect its own interests in such situations. On the other hand, rural areas are sparsely populated, and thus, there are fewer cars. With fewer vehicles present, your insurance rates are quite likely to fall.
It is also interesting to note that some areas draw a higher insurance rate because of the crime rate in such areas. The higher the crime rate, the higher the insurance premium you have to pay to cover your car and vice versa. If you are looking for cheap car insurance CT, then if possible, move to a less populated area with a low crime rate.
Car Insurance Discounts In Connecticut
As with all car insurance-related topics, the concept of discount has popped up again and understandably so. After all, this is one of the easiest ways to lower your car insurance premiums and avoid having to break the bank just for insurance coverage.
As earlier mentioned, there are several ways to earn discounts on your insurance premium. The factors that determine your premium rates are also the ones that determine if you qualify for certain discounts or not.
For the state of Connecticut, the most popular ways to get an insurance discount are:
- Discounts based on driver education classes and good grades
Suppose you participate and complete a recognized driver’s education course in the state of Connecticut. In that case, you might end up qualifying for a 5% discount on your insurance premium at the very least. Some insurance providers place this discount rate up as high as 16% for student drivers that meet a specified Grade Point Average (GPA) during the course.
- Discounts based on Bundled insurance policies
Insurance companies are more likely to give you a discount on your rates the more insurance coverage you purchase from them. Some customers are known to bundle up their home and car insurances together to earn a discount on both. Others choose to take out policies on more than on the vehicle. As long as you obtain coverage for more than one property with the same provider, they will likely give you a discount.
- Discounts based on your yearly mileage
It is only common sense that the less you drive your car, the less the chances of you getting into an accident. Insurance companies definitely think this way too. This is why in order to encourage their clients to reduce car mileage, they offer certain discounts if you stay below a set yearly mileage limit.
Who Pays Medical Bills After A Connecticut Car Accident
This is a major question on the mind of any accident victim. After all, medical expenses are not anything to laugh at. Once they pile up, so does the anxiety and tension. If even more medical attention is needed, even after initial treatment, then this expense only continues to rise.
While Connecticut operates on a fault system, it should be made clear that the at-fault driver, in the case of an accident, is not obligated to pay for any medical bills until the case has been resolved. This means the victim is solely responsible for the medical expenses until the case is settled.
While this might seem unfair, it’s important to understand how things work so you can at least get your money back. Let’s talk about how your treatment will be paid for while waiting for your settlement.
- Med Pay (Medical Payments Coverage): Take a look through the details of your car insurance policy. If there is additional coverage for injuries occurring from car accidents, then you are in the clear. This will be the initial source of funds for all your medical bills.
- Health Insurance: If there is no Medical Payments Coverage or Med Pay, then this is the next option to cover your medical bills. It is also applicable if your Med Pay funds have been exhausted. Note that before payments are covered by your health insurance provider, they will need a letter confirming the absence of Med Pay coverage from your car insurance provider.
- Medicaid or Medicare: With these federal government programs, you will have your medical bills paid in the meantime. You will need to reimburse the government after some time, though, so it’s best to keep this in mind while pursuing reimbursement from the at-fault driver later on.
- Worker’s Compensation: if you were injured in an accident with a work-related automobile or vehicle, then worker’s compensation will step in to cover the bills for your treatments.
- Letter of protection: You can choose to send this letter to your healthcare provider promising to pay off any outstanding bills once your case has been settled. Technically, your healthcare providers have a quota in the settlement you will be receiving from the at-fault driver.
Penalties For Driving Without Car Insurance In Connecticut
Driving without car insurance is considered a punishable offense in the state of Connecticut. Any registered driver who is
- caught without his or her insurance identification card while driving
- driving while uninsured
- Flagged by the electronic verification system as having a lapse or gap in insurance
Will be penalized.
Penalties may range from fines to jail time. Such drivers may also end up having their license and registration suspended for a certain period.
If you are also found driving an uninsured car with a suspended license, you will have your vehicle taken away and impounded. The car will only be returned upon providing proof of valid registration and active insurance. You will also be required to pay a $50 fee. If this is not done within 45 days after impoundment, the car will be considered forfeited and will henceforth belong to the state of Connecticut.
The penalties might initially seem short-term and ignorable, but it also has long-lasting effects. Once you have been penalized for such an incidence once, it will appear on your record and will make you less attractive as a customer to insurance providers. You should expect that your insurance rates will likely be higher than the norm as insurance companies will consider you a high-risk driver.
How Car Insurance Rates Are Calculated In Connecticut
It can be vexing trying to understand how companies are arriving at the auto insurance quotes in CT that you are being provided with. This limitation often gets in the way of getting cheap auto insurance in CT. Let’s be clear, and there is no exact formula for calculating what your rate will be. The formula varies from one insurance company to the other.
However, there are certain factors that must come into play while calculating your car insurance premium. These factors include:
- Amount of auto insurance coverage required. (this includes optional add-ons like collision and comprehensive coverage)
- Your driving history
- Your vehicle’s make, model, and year of production
- Marital status
- How much you drive
- Your credit history
It is also worth mentioning that the history of other drivers in your area matters when calculating your premium. Why? Insurance companies spread the risk across all clients in order to ensure that they have enough funds to pay off any and all claims. Nonetheless, while every driver might see an increase in their insurance rate, the at-fault driver in an accident is bound to see a larger increase in their rates.
Can My Car Insurance Be Canceled In Connecticut?
There are several reasons why your car insurance can be canceled in Connecticut. Here are a few examples.
- You failed to reveal the necessary information to your insurance provider while applying for insurance. Whether intentional or not, this is a big NO in insurance companies’ books and is known as material misrepresentation.
- You have violated too many traffic rules or been at fault in several auto accidents. If you are always getting into accidents or breaking traffic rules, your company may choose to cancel your policy.
- Your license or registration has been suspended. For insurance companies, clients who drive with a suspended license or car registration are not acceptable. This could cause your policy to be canceled by the company.
- You make a false claim with the company. Suppose a fraudulent claim is filed by you or another person against your policy. In that case, your auto insurance company may have to cancel your policy.
- You have been convicted for certain crimes. For car insurance companies, committing a felony like a DUI is enough reason for them to cancel your policy.
- You or your car is unfit for driving. If your car is in bad condition or you have a health condition that makes you unfit to drive, your insurance provider may choose to cancel your policy with them.
- You use your car for hire services without informing your provider. If you drive for services like Uber and Lyft, and you fail to inform your insurance provider of this, they may opt for policy cancellation.
- You use your personal vehicle for business purposes. The insurance policy for a personal car and a business car is completely different. To obtain the proper policy if you intend to use your car for such purposes. Not doing so could cause your policy to be canceled.
Car Insurance Fraud In Connecticut
What happens if you commit car insurance fraud in Connecticut? Well, it is a crime punishable by jail time lasting up to 5 years and even has a $5000 fine attached to it. Anyone found guilty will be considered a violator of the law. They will also be charged with a felony (Class D).
These punishments are awarded to any individual or business entity that might attempt to deceive or defraud an insurance company with falsified information or by withholding information. There are several ways in which this could happen. Some of the more common auto insurance includes staged car accidents. Any deliberate effort to cause an accident in a bid to make claims with an insurance company falls under this category. Sideswiping and rear-ending another car at low speeds fall perfectly under this category.
Usually, staged accidents are organized by certain groups who are looking to make false claims. They usually hire repair shops, truck drivers, and at times other participants to partake in these criminal activities. All participants are then compensated with funds obtained from settlements. Such acts cost the state customers.
What Happens If Coverage Lapses
If your coverage lapses, it is best to get it renewed as soon as possible. Why? It is a crime to drive a registered car without insurance coverage. Within the borders of the state of Connecticut, it is required that insurance carriers report any policies that have lapsed. Once your coverage is reported as lapsed, you will be fined $200 and be allowed to get new coverage within a set period. Failing to do so will result in you being charged to court and your vehicle registration suspended. In some extreme cases, you might even be banned from ever registering a vehicle in Connecticut ever again.
Does Connecticut Offer Driver Improvement Courses To Reduce My Insurance Premium?
If you participate and complete a defensive driving course that is approved by the state, you can earn a discount on your insurance premium regardless of the company. In addition, if you are a good driver and complete a course like that, then your insurance provider is required by law to give you a minimum of 5% discount on your monthly insurance rates. In some cases, this value can rise up to about 16%, depending on some other factors.
Car Insurance CT Common Questions And Answers
What Coverage Is To Drive a Vehicle In Connecticut?
The following are the required minimum car insurance coverages and limits for all Connecticut drivers
- Bodily Injury Liability: $25,000 per person and $50,000 per accident.
- Property Damage Liability: $25,000 per accident.
- Uninsured/Underinsured Motorist: $25,000 per person and $50,000 per accident.
Is Car Insurance Required In Connecticut?
Yes, Connecticut requires that all its drivers maintain liability insurance and mandatory uninsured as well as underinsured motorist coverage. All drivers must always carry proof of insurance that must be presented at the request of any law enforcement agents.
Liability coverage in Connecticut
Connecticut mandates all its drivers to carry liability insurance. If you are at-fault for an accident, liability pays for any wages lost or injuries sustained by the other driver and their passengers. This is referred to as bodily injury (BI) coverage. In addition, liability covers any damage caused to the other vehicle, known as property damage (PD). It’s essential to remember that liability insurance doesn’t cover your injuries or damaged property. It only ever pays for harm caused by accidents that you cause.
What Happens If you Drive Without Car Insurance In CT?
If you’re found driving without insurance in Connecticut, you may have to pay a fine of at least $100 and at most $1,000.Also, if you own a vehicle that’s uninsured, you could be charged with a Class C misdemeanor. This conviction carries a fine of about $500, jail time for up to three months, or even both.
Will My Insurance Cover Someone Borrowing My Car?
Yes, as long as you give the other driver the necessary permission. You will not be penalized if someone other than yourself is involved in an accident. If the driver is involved in a minor accident, you would be covered by your liability and collision coverage.
Why Do Some Cars Cost More Than Others To Insure?
Several factors go into your insurance rates, including personal data. The make of your car is one such factor and will affect it as well since some cars are safer than others. For example, insurance companies will check all information regarding your vehicle and see how many collisions are associated with that model. This will help them set a basis for an appropriate rate.
Does marriage affect premiums?
Normally, after marriage, your car insurance rates will see a decrease because your coverage and your spouses will be combined into one package. Also, you may then also qualify for a multiple vehicle discount depending on how many cars you own.
Does Connecticut Have PIP Coverage?
PIP coverage means Personal Injury Protection. In Connecticut, PIP coverage is a choice you have to make. You have to know that you have the choice to either purchase this or not. It is a coverage type that you can add to your car liability and uninsured motorist policy, but it’s not mandatory in Connecticut.