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Navy Insurance Guide for Connecticut (Submarine Capital of the World)

SUBASE New London - insurance essentials for submariners and Navy families in the Groton area.

Quick Answer

Naval Submarine Base New London (Groton) is home to nearly all Atlantic submarine fleet. Connecticut is a tort state. Submariners' long patrols mean auto storage coverage is especially valuable. High submarine duty pay increases income replacement needs beyond SGLI.

Connecticut Navy Bases

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Naval Submarine Base New London

Groton, CT

Home of the US Atlantic Submarine Force. New London County.

Connecticut Auto Insurance Requirements

Connecticut is a tort (fault-based) state:

Coverage TypeCT MinimumRecommended
Bodily Injury (per person)$25,000$100,000+
Bodily Injury (per accident)$50,000$300,000+
Property Damage$25,000$100,000+
Uninsured Motorist$25k/$50k requiredAlready required in CT
Good News: Connecticut is one of the few states that requires uninsured motorist coverage - you're already protected against uninsured drivers.

Submarine Service: Special Insurance Considerations

Submariners have a unique set of insurance considerations compared to surface warfare:

  • Long patrols (60-70+ days): Qualify for auto storage coverage reduction while on patrol - similar to deployment
  • Submarine duty pay: Additional hazardous duty pay increases total compensation, which increases income replacement needs
  • SGLI for submariners: Full coverage for any cause of death, including submarine accidents - no exclusions
  • Civilian supplement: Consider a supplement if total compensation (base pay + sub pay + sea pay) exceeds SGLI's replacement value

Groton/New London Area Renters Insurance

  • Average renters insurance: $12-$18/month in Groton/New London area
  • On-base housing at SUBASE: Lincoln Military Housing manages - personal belongings not covered
  • Off-base in Groton, Ledyard, Waterford: standard renters coverage applies
  • Winter weather: Renters policies cover frozen pipe damage - make sure your policy includes this

Nuclear Duty: Additional Considerations

Sailors assigned to nuclear-powered submarines have additional pay considerations:

  • Nuclear duty pay significantly increases total compensation - review SGLI adequacy
  • SGLI covers nuclear submarine duty - radiation/nuclear exclusions do not exist in SGLI
  • Officers selected for nuclear pipeline can consider AAFMAA or civilian supplements early in their career
  • E7+ nuclear chiefs should review total compensation against SGLI $500k cap