The National Association of Insurance Commissioners reported that each mile of highway in Connecticut was used 1,420,000 times in 1998. This made Connecticut the 5 th most congested among the states including the District of Columbia. Road usage was 2.7 times the national average. Some states do not have a compulsory automobile insurance law. Minimum required limits for liability vary from state to state as well as required policy benefits.
Some states have a much higher exposure to uninsured motorist than other states.
All of these variations have an affect on the cost of insurance. Connecticut is a tort law state that allows innocent accident victims to sue the responsible party for his injuries without first meeting certain monetary thresholds or injury requirements. Insurance is mandatory and the minimum liability limits are higher than in some states. The combined premium equals the average liability, collision, and comprehensive premiums.