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Home Insurance and Car Insurance in Connecticut
Are you a first-time Connecticut home buyer shopping for home insurance or looking to save money on your car insurance rates while keeping adequate coverage? It might seem like finding the right home and auto coverage to meet your needs and your budget is complicated, but SelectQuote can help.We can help answer your questions about purchasing home and auto insurance in Connecticut. We’ll even help you find available discounts and savings, including through bundled home and auto insurance policies. Read on to learn more about the ins and outs of buying home and auto insurance in Connecticut.Homeowners Insurance in Connecticut
Whether you call Bridgeport, Stanford, Bristol or any of the other cities and towns in Connecticut home, buying home insurance is one of the best investments you can make to protect your property. Different types of home insurance cover different things, so it’s important to understand the limits and benefits of your homeowners policy. Let’s look at the most common home insurance products available to Connecticut homeowners and when—and why—you may need additional coverage.
When it comes to buying Connecticut homeowners insurance, SelectQuote helps you save time and money by shopping for quotes from highly rated insurance carriers in CT. Our trusted home and auto insurance companies are known nationally and can provide you with affordable coverage, discounts and—in many cases—home and auto bundles to help you save even more money.
Homeowners Insurance Coverage Options in Connecticut
Home insurance isn’t legally required in Connecticut, but you’ll likely be required to purchase it as a condition of your home loan if you have financed your home with a mortgage. Before purchasing a home (or an insurance policy to go with it), make sure you understand the differences in what is and isn’t covered as part of your policy. Common types of home insurance included in traditional policies include:- Dwelling coverage is insurance that pays to repair or replace the physical structure of your home, including windows, doors and the roof. It also extends to cover attached structures like a garage.
- Personal property coverage pays to replace or repair the stuff inside your home. Appliances, furniture, clothing and other property are included. Some items, like jewelry or antiques, may require specialized coverage that you can add onto the policy.
- Personal liability coverage is an important type of insurance that protects you from lawsuits and claims where others are injured or personal property is damaged or destroyed while on your property.
- Additional living expenses coverage can help pay for temporary housing, groceries and other needs if your house is rendered uninhabitable due to a covered loss.
Common Causes of Loss in Connecticut
Connecticut homes see an increased risk of damage due to several factors, including (most prominently) the weather. Common claims home insurance companies see can involve:- Roof damage due to storms. Because Connecticut sees both heavy snow and ice during winter, roof damage is especially common.
- Wind damage can significantly impact your siding, roof and windows. High winds may even propel flying objects, such as tree limbs or even whole trees, into your home.
- Flooding is especially common, especially along the coasts. Because Connecticut is near the Atlantic Ocean, floods can come from tropical storms which increasingly move along the coast to northern parts of the country.
Additional Coverage Options Recommended for Connecticut Homeowners
In addition to standard home insurance coverage, many experts suggest shopping for additional coverage. Depending on where you live, these insurance policies may be more of a priority.- Flood insurance is an important consideration because most home insurance policies don’t cover flood damage as part of the standard coverage. If you live in a high-risk flood zone (as designated by FEMA1), spending the additional money may not just be a good idea, but a necessity.
- Roof replacement coverage is different from traditional home insurance policies in that it pays for the actual cost of repairs or replacement without factoring in depreciation of the existing roof. Availability for this coverage may vary by insurer and depends on the age of your roof.
- Identity theft coverage may be available from your insurance company and can help offset the costs associated with restoring your identity should it be stolen.
Our Home Insurance Partners in Connecticut
When it comes to buying Connecticut homeowners insurance, SelectQuote helps you save time and money by shopping for quotes from highly rated insurance carriers in CT. Our trusted home and auto insurance companies are known nationally and can provide you with affordable coverage, discounts and—in many cases—home and auto bundles to help you save even more money.What is the average home insurance cost in Connecticut?
The average home insurance cost in Connecticut depends on where you live in the state, what type of home you have, the value of your property and what kind of policy you want. Average home insurance rates in Connecticut for SelectQuote customers is $131.48.+Homeowners Insurance Discounts in Connecticut
Home insurance discounts are available for Connecticut homeowners. Eligibility for these discounts may vary by homeowners insurance company, but you’ll usually be able to ask about discounts for:- Customer loyalty
- No claims filed in the past few years
- Paying your premiums annually versus quarterly or monthly
- Bundling your home insurance policy with other coverage
Bundle Your Home and Auto Insurance to Save Money
Worried about paying too much for home insurance? When you bundle your home and auto coverage by shopping with SelectQuote, you can enjoy average savings of $693 per year. Let us quickly compare quotes and discounts from several Connecticut insurance companies to find the right deal for you.Average Home and Auto Insurance Rates in Connecticut
Listed below are the average monthly home, auto and bundled policy rates for SelectQuote customers in several Connecticut cities. Rates will vary based on ZIP code, age of your home/vehicle, your credit rating and other factors.| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
| Bridgeport | $143.84 | $246.76 | $254.76 |
| New Haven | $160.18 | $214.89 | $255.58 |
| Norwalk | $121.91 | $156.30 | $282.17 |
| Waterbury | $110.14 | $267.10 | $215.98 |
| West Haven | $115.15 | $323.69 | $201.44 |
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.
Car Insurance in Connecticut
Frequent heavy traffic on Interstate 95 running between New Haven and New York City means driving in Connecticut can be an experience. Because of the high number of drivers in the state and occasional periods of snowy weather in winter, auto accidents are common. In fact, the state saw over 500,000 traffic accidents between 2016 and 2021.2 To help pay for damage in the aftermath of an accident, auto insurance is absolutely necessary.Connecticut Auto Insurance Laws and Requirements
Connecticut requires drivers to carry minimum legal coverage in order to operate a vehicle. Much like other states, this car insurance coverage primarily exists to pay for damage and injuries to others in the event of an auto accident. Mandatory types of auto insurance coverage and limits include:- Bodily injury liability coverage: $25,000 per person and $50,000 per accident
- Property damage liability coverage: $25,000 per accident
- Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident
- Collision coverage is insurance that protects you in the event of a collision with another vehicle, regardless of who is at fault. After you pay your deductible, this coverage will help repair or replace your vehicle up to its actual cash value.
- Comprehensive coverage helps to pay for damage resulting from accidents that don’t involve another vehicle, such as hitting an animal or sliding into a ditch. It also covers loss due to theft and damage from storms or fire.
| Type of Coverage | Amount Required |
| Bodily injury liability and property damage liability coverage |
|
| Uninsured/underinsured motorist coverage |
|
| Collision coverage | Not required |
| Comprehensive coverage | Not required |
| Medical expense coverage | Not required |
| Loss of income benefits coverage | Not required |
| Rental coverage | Not required |
| Towing coverage | Not required |
Connecticut Teen Driving Laws
Like many other states, Connecticut has strict laws and rules for teen drivers. Teen drivers who are 16 or 17 years of age and have a learner’s permit must always have a licensed driver riding with them, whether they’re an instructor, parent or guardian. Mobile phone use isn’t permitted.For teen drivers who are 16 or 17 years old and have a driver’s license, passengers aren’t permitted within the first six months unless they’re a parent, guardian or licensed driver. After six months, the teen may drive with immediate family in the vehicle.Until turning 18, teens can’t drive between the hours of 11 p.m. and 5 a.m. unless it’s for work, school or a medical emergency. The ban on cell phone use while driving—even if it’s hands free—is still in effect until they’re 18 years old.Connecticut Car Registration Information
Registering a vehicle in Connecticut requires having a proper title if the vehicle in question is newer than 20 model years. Vehicles older than 20 model years only require registration from the previous owner. You’ll also need to provide proof of insurance, most commonly an insurance identification card. Connecticut vehicle registration requires paying registration fees for gas vehicles and sales tax. The registration fees may be discounted for electric vehicles.What is the average car insurance cost in Connecticut?
Car insurance rates in Connecticut can vary based on several factors, including the type of vehicle you’re insuring, your driving record, where you live and the amount of driving you plan on doing each month. The average car insurance cost in Connecticut for SelectQuote customers is $191.09 per month.+Our Car Insurance Partners in Connecticut
SelectQuote works with trusted auto insurance companies in each state, including Connecticut. We compare rates from several nationally known insurance carriers to help you save time and money on coverage. Let us compare coverage from highly-rated insurance companies to find you the auto coverage you need.Connecticut Home and Auto Insurance Frequently Asked Questions
When shopping for home and auto insurance in Connecticut, you may have questions. We’ve detailed some of the answers to commonly asked questions below.How do I shop for insurance in Connecticut?
Whether you’re a first-time shopper or are simply looking for a better rate on your home and auto coverage, many of the same principles apply: determine your coverage needs, compare quotes from several companies at once and ask about any applicable discounts.How should I shop for auto insurance in Connecticut?
How should I shop for home insurance in Connecticut?
Shop for homeowners insurance by understanding your unique coverage needs.- Determine the value of your home and personal property.
- Remember to buy insurance based on the cost it would take to replace your house and its contents, not what you paid for it.
- Understand the key differences between policies that pay for the replacement cost versus those that provide coverage for the actual cash value.
- Don’t forget to ask for any applicable discounts, including loyalty discounts and savings for bundling your home and other policies.
- Compare A.M. Best scores to ensure you’re choosing a carrier with strong financial stability.
How should I shop for auto insurance in Connecticut?- Shop for auto insurance by determining how much coverage you need—or are required to have.
- In many cases, lenders require you to carry full coverage on leased or financed vehicles to protect their investment.
- Compare rates from several companies at the same time and ask for discounts.
- If your insurance rates are too high, consider raising your deductible or bundling your coverage with a home or renters insurance policy.
- Shop for auto insurance by determining how much coverage you need—or are required to have.
- In many cases, lenders require you to carry full coverage on leased or financed vehicles to protect their investment.
- Compare rates from several companies at the same time and ask for discounts.
- If your insurance rates are too high, consider raising your deductible or bundling your coverage with a home or renters insurance policy.
What is the cheapest home insurance in Connecticut?
Your home insurance costs will differ based on your home’s value, the type of coverage you need and your credit score. Choosing a home insurance policy based solely on price may not be the best plan because your coverage needs may require paying more. SelectQuote can help you compare rates and find discounts when you shop for home insurance coverage.
Is home and auto insurance required in Connecticut?
Similar to other states, home insurance is not required by law in Connecticut. However, your mortgage lender will require it to provide you with a home loan. Connecticut does require drivers to carry a minimum amount of auto insurance coverage.
How much is car insurance in Connecticut per month?
Connecticut car insurance rates depend on many factors including your vehicle’s age, your driving record and the location you live. Average rates for auto insurance in Connecticut range from $620 to $1,553 per year.3 The average car insurance cost in Connecticut for SelectQuote customers is $191.09 per month.+
SelectQuote Can Shop Connecticut Home or Auto Insurance to Help Save You Time and Money
Buying home and auto insurance in Connecticut doesn’t have to be complicated. SelectQuote can help save you time and money by comparing rates from several trusted insurance companies at once, shopping available discounts to help maximize your savings and walking you through the process to find bundled home and auto coverage that meets your needs and fits your budget.Sources
+Average rates calculated are based on effective SelectQuote customer policies in Connecticut between 4/1/2022 and 3/31/2023. Rates will vary based on level of coverage, location, age, and additional determining factors
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