State profile · CT · CMS + NAIC
Insurance in Connecticut
How health insurers handle claims in Connecticut, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- $1394
- Avg auto / yr
- +10%
- Auto, 5-yr
The verdict
Connecticut runs its own health-insurance marketplace, so federal claim-denial data isn't reported here — but drivers pay an average $1394 a year for auto cover, above the $1191 national average, up 10% since 2019.
- $1394
- avg auto / yr
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
No issuer-level claim-denial data is reported for Connecticut in the current CMS dataset.
Auto insurance in Connecticut
Auto premiums in Connecticut are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $1267 average expenditure
$1,267 avg expenditure
- 2020
2020: $1230 average expenditure
$1,230 avg expenditure
- 2021
2021: $1241 average expenditure
$1,241 avg expenditure
- 2022
2022: $1279 average expenditure
$1,279 avg expenditure
- 2023
2023: $1394 average expenditure
$1,394 avg expenditure
What this shows Connecticut drivers' average auto cost rose 10% between 2019 and 2023.
What the data shows for Connecticut
Connecticut operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, residents should consult the Connecticut Department of Insurance and the state exchange directly.
On the auto side, drivers in Connecticut pay an average $1394 a year — more than the $1191 national average — split across $854 liability, $478 collision and $177 comprehensive premiums. That figure has moved up 10% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Connecticut can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Connecticut residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Connecticut's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.