State guide
Insurance in Connecticut
Required coverage, penalties, official contacts and sources for Connecticut, reviewed 2026-10.
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Car insurance
What Connecticut requires.
Liability 25/50/25 plus uninsured/underinsured motorist 25/50. Claims system: fault-based claims.
| Coverage | Requirement in Connecticut |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident (or a $50,000 single limit for bodily injury and property damage) |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Uninsured/underinsured motorist: at least $25,000 per person / $50,000 per accident. Required by law |
Required coverage
- Bodily injury liability: at least $25,000 per person and $50,000 per accident
- Property damage liability: at least $25,000 per accident
- Or a $50,000 single limit for bodily injury and property damage
- Uninsured/underinsured motorist coverage: at least $25,000 per person and $50,000 per accident
Other coverage commonly available
- Underinsured motorist conversion coverage (optional)
- Collision
- Comprehensive
- Extra uninsured/underinsured coverage, up to twice your bodily injury liability limit
If you drive without required coverage
Penalties for driving without required coverage are set by Connecticut law. Confirm current penalties with the Connecticut Department of Motor Vehicles.
Notices
What to know in Connecticut.
- Standard uninsured/underinsured motorist coverage equals your bodily injury liability coverage, and you can buy extra coverage up to twice that amount.
- Collision and comprehensive coverage are not required by law, but a lender or leasing company may require them.
- You have the right to take your car anywhere to be repaired.
- Underinsured motorist conversion coverage is optional. It reimburses damages the at-fault driver's insurance does not pay, and payments from other sources do not reduce it.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Start with the Connecticut Insurance Department
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
- The Connecticut Insurance Department publishes consumer guides and is the state authority for questions about insurers, agents and complaints.
Health insurance
Access Health CT
Access Health CT (state-based marketplace)
- HealthInsurance.org lists Connecticut as a state-run marketplace (Access Health CT) for the 2026 plan year. State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- Connecticut Insurance Department
- Website: portal.ct.gov/cid
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
- Connecticut Insurance Department: Auto insurance (consumer information center)
- Connecticut Insurance Department: Auto insurance coverage information
- Connecticut Insurance Department: Auto insurance common terms
- HealthInsurance.org: What type of health insurance exchange does my state have? (2026 plan year)
Keep going.
Open the guides for your state, or choose another state.