Connecticut Car Insurance Requirements
Numbers refreshed
Required minimum coverage for every Connecticut driver and what it pays for.
- Liability averages $80 a month.
- The minimum liability limits are 25/50/25.
- Among 51 states, it ranks 15th.Most expensive state (1st = highest).
Requirements in Connecticut
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $25,000 |
| Personal injury protection | Not required |
| Uninsured motorist | Required |
| Underinsured motorist | Required |
| Fault system | At-fault |
Source: Connecticut Insurance Department, Auto Insurance; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What every number pays for
In Connecticut, liability coverage must be at least 25/50/25. The policy provides $25,000 per injured person, $50,000 for all injuries from one crash and $25,000 for harm to other people's property.
The costs of medical care and a newer car often go beyond those limits. A claim may be made against you for anything above them, so many drivers instead buy 100/300/100. The average annual cost for a liability policy in Connecticut is $957.
Driving with no insurance
If you drive uninsured in Connecticut, you may lose your license and registration. For several years, you may need to file proof of insurance to regain them.
Send your questions to the Connecticut Department of Motor Vehicles (DMV).
Learn more about Connecticut car insurance
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