Minimum Car Insurance in Connecticut
The liability limits Connecticut requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Connecticut requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 per accident for property damage (25/50/25), or a $50,000 single limit for bodily injury and property damage. Connecticut Insurance Department, Auto Insurance FAQs; Connecticut DMV, Insurance compliance
| Minimum coverage required | Connecticut requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 per accident for property damage (25/50/25), or a $50,000 single limit for bodily injury and property damage. Drivers must also carry uninsured/underinsured motorist coverage of at least $25,000 per person/$50,000 per accident. Liability insurance must be maintained continuously on any registered vehicle until its registration or plates are canceled. Collision and comprehensive coverage are not required by law. DMV page: https://portal.ct.gov/dmv/vehicle-services/compliance-issues |
|---|---|
| At-fault or no-fault | Connecticut uses the at-fault (tort) system: liability insurance pays for personal injury or property damage the insured causes to a third party, and does not cover the insured's own injuries or damage. The Alabama Department of Insurance's national list of state auto insurance systems lists Connecticut among the "Tort States." National list: https://aldoi.gov/consumers/StateAutoLaws.aspx. |
| Uninsured motorist coverage | Uninsured/underinsured motorist (UM/UIM) coverage is required in every auto liability policy, with bodily injury limits at least equal to the state minimums ($25,000/$50,000). Insurers must provide UM/UIM at whatever limits the named insured requests (with the premium paid) and must offer limits equal to twice the policy's bodily injury liability limits. The insured's selection carries over to renewals and replacement policies unless a named insured changes it in writing. Connecticut also offers optional underinsured motorist conversion coverage. |
More Connecticut car insurance & vehicle laws
- Driving Without Insurance in Connecticut
- SR-22 Insurance in Connecticut
- When a Car Is a Total Loss in Connecticut
- Transferring a Car Title in Connecticut
- All Connecticut car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Connecticut?
Connecticut requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 per accident for property damage (25/50/25), or a $50,000 single limit for bodily injury and property damage. Drivers must also carry uninsured/underinsured motorist coverage of at least $25,000 per person/$50,000 per accident. Liability insurance must be maintained continuously on any registered vehicle until its registration or plates are canceled. Collision and comprehensive coverage are not required by law.
Is Connecticut a no-fault car insurance state?
Connecticut uses the at-fault (tort) system: liability insurance pays for personal injury or property damage the insured causes to a third party, and does not cover the insured's own injuries or damage. The Alabama Department of Insurance's national list of state auto insurance systems lists Connecticut among the "Tort States."
Is uninsured motorist coverage required in Connecticut?
Uninsured/underinsured motorist (UM/UIM) coverage is required in every auto liability policy, with bodily injury limits at least equal to the state minimums ($25,000/$50,000). Insurers must provide UM/UIM at whatever limits the named insured requests (with the premium paid) and must offer limits equal to twice the policy's bodily injury liability limits. The insured's selection carries over to renewals and replacement policies unless a named insured changes it in writing. Connecticut also offers optional underinsured motorist conversion coverage.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.