Your car and your liability as a driver, with a person to call when something happens on the road. Before the renewal draft, you see your limits and your options side by side.
An illustrated house in cutaway, showing the driveway, garage, basement, bedroom, roof and mailbox. No people.
Boat and recreational vehicles
The basement
The garage
Your house
The jewelry box
The roof
The driveway
The mailbox
1 of 3
Your Vehicles
In Connecticut
The minimum is $25,000 per person, $50,000 per accident and $25,000 for property damage. The Insurance Department advises that the minimum may not be sufficient.
An auto policy is built from a few parts, and each one pays for a different loss.
Bodily injury liability.
Claims from people who are hurt in an accident you cause.
Property damage liability.
Damage you cause to other people’s property, such as another car or a fence.
Uninsured motorists.
Protects you directly when the driver who hits you has no insurance.
Collision.
Damage to your own car when it hits another car or an object.
Comprehensive.
Damage to your car from almost all other causes, including fire, severe weather, vandalism, floods and theft.
Optional coverages.
Medical payments, rental reimbursement, and towing and labor.
What Do I Need to Get an Auto Insurance Quote?
You can start with what you already know. A photo of your current declarations page is fine.
The date.
When your current policy ends, or when you need coverage to start.
Your cars.
A description of each vehicle and how it is used.
Your drivers.
Each driver’s license number and the number of drivers in your household.
Your limits.
The coverages and limits you carry now, or the ones you want.
How Much Does Auto Insurance Cost?
The biggest influence on the price is how often claims happen for drivers and cars like yours.
Your driving record.
Violations and accidents count.
Where the car is kept.
Urban areas have more claims than rural ones.
How much you drive.
Higher annual mileage means more exposure.
The car.
Its make and model.
How Much Auto Insurance Do I Need?
At least the minimum your state sets, and often more. One insurance department says the minimum limits may not be enough protection.
Why limits matter.
If a court judgment or settlement is more than your policy limits, you pay the difference.
Above your limits.
A personal umbrella policy can pay liability and defense costs above what your auto policy pays.
Your own car.
Collision and comprehensive are not required by law, but a lender or leasing company may require them.
Where Your Auto Policy Stops
Issuing Insurance CompanyPersonal Lines Service Center PO Box 0000, Anytown ST 00000 Customer service (800) 555-0142
This is not a bill
Page 1 of 2
Personal Auto Policy DeclarationsRenewal declarations. Six month policy
Date issued 12/10/2026 Agent code ••118
Named insured and mailing addressJ. AND M. SAMPLE 14 SAMPLE LANE ANYTOWN ST 00000
Policy numberPA ••• ••2208
Policy period01/09/2027 TO 07/09/2027 12:01 A.M. STANDARD TIME
AgentAGENCY OF RECORD (555) 010-0118
Drivers
NoDriverBirth dateStatus
1J. SAMPLE, NAMED INSURED••/••/1979RATED
2M. SAMPLE, SPOUSE••/••/1981RATED
Described vehicles
VehYear and body typeUseVINAnnual mi
12021 SPORT UTIL 4DPLEASURE AND COMMUTE, UNDER 15 MI•••••••••441712,000
22017 SEDAN 4DPLEASURE•••••••••90526,000
Coverages, limits and premium
CoverageLimitsVeh 1Veh 2
Bodily injury liability$100,000 EACH PERSON $300,000 EACH ACCIDENT$214.00$188.00
Property damage liability$100,000 EACH ACCIDENT$141.00$126.00
Uninsured and underinsured motorists$100,000 EACH PERSON $300,000 EACH ACCIDENT$62.00$62.00
Medical payments$5,000 EACH PERSON$18.00$18.00
Comprehensive$500 DEDUCTIBLE$96.00NOT COVERED
Collision$1,000 DEDUCTIBLE$287.00NOT COVERED
Rental reimbursement$40 EACH DAY, 30 DAYS$21.00NOT COVERED
Total by vehicle$839.00$394.00
Loss payee, Veh 1SAMPLE AUTO FINANCE ISAOA, PO BOX 0000 ANYTOWN ST 00000
Discounts appliedMULTI CAR HOME AND AUTO GOOD DRIVER
Total six month premium$1,233.00 SEE BILLING STATEMENT
ENDORSEMENTS: PAU 0001 (06 25) PERSONAL AUTO POLICY PAU 0310 (06 25) RENTAL REIMBURSEMENT PAU 0442 (01 26) AMENDMENT OF POLICY PROVISIONS
Coverage applies only to the described vehicles and the uses shown above. Your insurance identification cards are enclosed.
PAU DEC 06 25Keep this page with your policy.Page 1 of 2
Issuing Insurance CompanyPersonal Lines Service Center PO Box 0000, Anytown ST 00000 Customer service (800) 555-0142
This is not a bill
Page 1 of 2
Personal Auto Policy DeclarationsRenewal declarations. Six month policy
Date issued 12/10/2026 Agent code ••118
Named insured and mailing addressJ. AND M. SAMPLE 14 SAMPLE LANE ANYTOWN ST 00000
Policy numberPA ••• ••2208
Policy period01/09/2027 TO 07/09/2027 12:01 A.M. STANDARD TIME
AgentAGENCY OF RECORD (555) 010-0118
Drivers
NoDriverBirth dateStatus
1J. SAMPLE, NAMED INSURED••/••/1979RATED
2M. SAMPLE, SPOUSE••/••/1981RATED
Described vehicles
VehYear and body typeUseVINAnnual mi
12021 SPORT UTIL 4DPLEASURE AND COMMUTE, UNDER 15 MI•••••••••441712,000
22017 SEDAN 4DPLEASURE•••••••••90526,000
Coverages, limits and premium
CoverageLimitsVeh 1Veh 2
Bodily injury liability$100,000 EACH PERSON $300,000 EACH ACCIDENT$214.00$188.00
Property damage liability$100,000 EACH ACCIDENT$141.00$126.00
Uninsured and underinsured motorists$100,000 EACH PERSON $300,000 EACH ACCIDENT$62.00$62.00
Medical payments$5,000 EACH PERSON$18.00$18.00
Comprehensive$500 DEDUCTIBLE$96.00NOT COVERED
Collision$1,000 DEDUCTIBLE$287.00NOT COVERED
Rental reimbursement$40 EACH DAY, 30 DAYS$21.00NOT COVERED
Total by vehicle$839.00$394.00
Loss payee, Veh 1SAMPLE AUTO FINANCE ISAOA, PO BOX 0000 ANYTOWN ST 00000
Discounts appliedMULTI CAR HOME AND AUTO GOOD DRIVER
Total six month premium$1,233.00 SEE BILLING STATEMENT
ENDORSEMENTS: PAU 0001 (06 25) PERSONAL AUTO POLICY PAU 0310 (06 25) RENTAL REIMBURSEMENT PAU 0442 (01 26) AMENDMENT OF POLICY PROVISIONS
Coverage applies only to the described vehicles and the uses shown above. Your insurance identification cards are enclosed.
PAU DEC 06 25Keep this page with your policy.Page 1 of 2
What This Means for YouYour policy lists this car for pleasure and commuting. A personal auto policy generally excludes business use, such as delivery work, so if your car earns money, your policy needs to say so.
Business use.
A personal auto policy generally excludes business use, such as delivery work. For vehicles that do business work, see commercial auto insurance.
Limits that are too low.
The minimum may not be enough protection, and anything above your limits is yours to pay.
An application that is off.
Misquotes usually come from a mistake by the agent or incorrect information on the application. Check each car, driver and use before you bind.
Lending your car.
Almost all liability policies cover a licensed driver who drives your car with your permission. Ask how yours treats the people who drive it.
When Your Renewal Goes Up
Your renewal premium went up.
Ask for an explanation.
State rules can require the insurer to provide one, as the state facts on this page describe.
See what changed, not only the price.
Review your auto coverage at every renewal.
Ask for a second look.
We represent you, not a single insurance company.
Auto Insurance as Part of Your Full Program
Your auto policy is one piece. Knowing which policy answers which loss helps show where a gap could sit.
Issuing Insurance CompanyPersonal Lines Service Center PO Box 0000, Anytown ST 00000 Customer service (800) 555-0142
Date 12/10/2026
J. AND M. SAMPLE 14 SAMPLE LANE ANYTOWN ST 00000
Your insurance identification cards
Your new cards for the policy period shown are below. Tear along the perforation, keep one card in each vehicle, and destroy your old cards. Show a card to a police officer or at an accident when asked.
Insurance identification card
CompanyISSUING INSURANCE COMPANY
NAIC no.•••17
Policy numberPA ••• ••2208
Vehicle1
Effective date01/09/2027
Expiration date07/09/2027
Year, body type, vehicle identification number2021 SPORT UTIL 4D •••••••••4417
InsuredJ. AND M. SAMPLE
AgentAGENCY OF RECORD
Agent phone(555) 010-0118
Replacement vehicle
Keep this card in your vehicle
Insurance identification card
CompanyISSUING INSURANCE COMPANY
NAIC no.•••17
Policy numberPA ••• ••2208
Vehicle2
Effective date01/09/2027
Expiration date07/09/2027
Year, body type, vehicle identification number2017 SEDAN 4D •••••••••9052
InsuredJ. AND M. SAMPLE
AgentAGENCY OF RECORD
Agent phone(555) 010-0118
Replacement vehicle
Keep this card in your vehicle
This card is proof of insurance only for the vehicle and the dates printed on it. It is not a policy, and it does not change your coverage.
PAU ID 06 25Insured copyPage 1 of 1
Issuing Insurance CompanyPersonal Lines Service Center PO Box 0000, Anytown ST 00000 Customer service (800) 555-0142
Date 12/10/2026
J. AND M. SAMPLE 14 SAMPLE LANE ANYTOWN ST 00000
Your insurance identification cards
Your new cards for the policy period shown are below. Tear along the perforation, keep one card in each vehicle, and destroy your old cards. Show a card to a police officer or at an accident when asked.
Insurance identification card
CompanyISSUING INSURANCE COMPANY
NAIC no.•••17
Policy numberPA ••• ••2208
Vehicle1
Effective date01/09/2027
Expiration date07/09/2027
Year, body type, vehicle identification number2021 SPORT UTIL 4D •••••••••4417
InsuredJ. AND M. SAMPLE
AgentAGENCY OF RECORD
Agent phone(555) 010-0118
Replacement vehicle
Keep this card in your vehicle
Insurance identification card
CompanyISSUING INSURANCE COMPANY
NAIC no.•••17
Policy numberPA ••• ••2208
Vehicle2
Effective date01/09/2027
Expiration date07/09/2027
Year, body type, vehicle identification number2017 SEDAN 4D •••••••••9052
InsuredJ. AND M. SAMPLE
AgentAGENCY OF RECORD
Agent phone(555) 010-0118
Replacement vehicle
Keep this card in your vehicle
This card is proof of insurance only for the vehicle and the dates printed on it. It is not a policy, and it does not change your coverage.
PAU ID 06 25Insured copyPage 1 of 1
What This Means for YouYour card proves this car is insured for the dates printed on it. Once the expiration date passes, the card is no longer proof of insurance.
In Connecticut
The minimum auto liability is $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage. A $50,000 single limit for bodily injury and property damage also meets the minimum.
Drivers must also carry uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident.
The Insurance Department says the minimum limits may not be enough protection.
Connecticut law requires continuous insurance on any registered vehicle. A lapse can bring a DMV warning notice and a suspended registration. The DMV fine to resolve a lapse is $200.
Insurers must give an auto ID card when a policy is issued and at each renewal, and since October 1, 2018 it may be shown on a phone. The DMV accepts an ID card, declarations page, bond or form MC 1641b as proof of minimum insurance.
A Connecticut auto liability policy must defend the insured in covered suits, and defense expenses are paid in addition to the limits.
Starting January 1, 2027, a renewal bill for a personal policy with a premium increase must say the insurer will explain the increase within 20 business days of a request. Private passenger auto is included. Insurers must accept requests by mail, phone and email.
It depends most on how often claims happen for drivers and cars like yours, along with your driving record, where the car is kept, how much you drive and the make and model. A quote for your own cars and drivers gives you the figure.
How much car insurance do I need?
At least your state’s minimum. One insurance department says the minimum may not be enough protection, and if a judgment is more than your limits, you pay the difference.
Are collision and comprehensive coverage required?
No. Collision and comprehensive coverage are not required by law, although a lender or leasing company may require them.
Does my personal auto policy cover delivery work or other business use?
A personal auto policy generally excludes business use, such as delivery work.
Is the state minimum enough?
The state facts on this page show one insurance department’s view that the minimum limits may not be enough protection. You can ask to see higher limits, as well as umbrella coverage.
Who pays when a storm damages my car in my garage?
It is usually a claim under the auto policy’s comprehensive coverage rather than the homeowners policy.
My auto renewal premium increased. What are my options?
Ask your insurer for an explanation, and review your auto coverage at every renewal. You can also ask an independent agency for a second look, and we represent you, not a single insurance company.
Look at Your Limits Before the Renewal Draft.
Ask to see higher limits beside the ones you carry, and the full range of personal coverage is on the Personal Insurance page.
