Car insurance · Connecticut
Car insurance requirements in Connecticut
Liability 25/50/25 plus uninsured/underinsured motorist 25/50. Claims system: fault-based claims.
Verified summaryAll Connecticut insurance topics
Requirements
Minimum car insurance requirements in Connecticut
| 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 |
What the law requires you to carry
- 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
Uninsured drivers
Uninsured motorist coverage in Connecticut
Uninsured/underinsured motorist: at least $25,000 per person / $50,000 per accident. Required by law.
- Standard uninsured/underinsured motorist coverage equals your bodily injury liability coverage, and you can buy extra coverage up to twice that amount.
- 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.
Optional coverage
Coverage you can add in Connecticut
- Underinsured motorist conversion coverage (optional)
- Collision
- Comprehensive
- Extra uninsured/underinsured coverage, up to twice your bodily injury liability limit
Penalties
Penalties for driving without insurance in Connecticut
Penalties for driving without required coverage are set by Connecticut law. Confirm current penalties with the Connecticut Department of Motor Vehicles.
Good to know
Other things to know in Connecticut
- 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.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Connecticut
- 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.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Connecticut.
Home insurance resources and the health marketplace for Connecticut are on its overview page.