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Connecticut Insurance Guide
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Insurance in Connecticut
Find comprehensive insurance information for Connecticut (CT) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Northeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Connecticut (CT) |
| Region | Northeast |
| Population | ~3.6M residents |
| Health Marketplace | Access Health CT |
| Insurance Regulator | Connecticut Department of Insurance |
Health Insurance in Connecticut
Connecticut residents can find health coverage through:
- Access Health CT - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Connecticut
Connecticut has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Connecticut
Protect your home with coverage tailored to Connecticut’s specific risks and requirements.
Life Insurance in Connecticut
Find life insurance options available to Connecticut residents to protect your family’s financial future.
How Connecticut Compares
Understanding how Connecticut stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Connecticut | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,945 | $1,935 | +1% (above average) |
| Health Insurance (monthly) | $512 | $477 | +7% (near average) |
| Home Insurance (annual) | $1,567 | $2,377 | -34% (near average) |
| Uninsured Rate | 6.7% | 9.5% | -29% (better than average) |
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Connecticut Insurance Department (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Access Health CT (opens in new tab) - Connecticut’s official health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Connecticut address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Connecticut Insurance Department
- Phone
- 860-297-3800
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Connecticut?
Connecticut requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Uninsured motorist coverage at the same limits is also required.
How do I get health insurance in Connecticut?
Connecticut has its own state marketplace, Access Health CT. Open enrollment runs November through January. Many residents qualify for premium tax credits. Connecticut also has HUSKY Health (Medicaid) for eligible low-income individuals and families.
Does Connecticut homeowners insurance cover hurricane damage?
Standard homeowners insurance covers wind damage from hurricanes, but flood damage requires separate flood insurance. Coastal properties may have separate wind/hurricane deductibles that are higher than standard deductibles.
Is flood insurance required in Connecticut?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Given Connecticut’s coastal exposure and river systems, flood coverage is recommended even outside designated zones.
What is the average cost of car insurance in Connecticut?
Connecticut drivers pay approximately $1,800-$2,100 per year for full coverage auto insurance, which is above the national average. Urban areas like Hartford, New Haven, and Bridgeport typically have higher rates.
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[connecticut] Insurance Types
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Neighboring State Guides
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