Connecticut requires more than most states: on top of 25/50/25 liability limits, $25,000 of bodily injury coverage per person, $50,000 per accident, and $25,000 for property damage, every policy must also carry uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident. In the majority of states UM/UIM is optional; in Connecticut it is part of the legal minimum.
That mandate changes what "minimum coverage" means when you shop. A bare-bones Connecticut quote already includes protection against uninsured drivers, so the real differences between carriers show up in price and in how much it costs to raise limits above the floor, which is exactly what a side-by-side comparison exposes.
The figures below explain the policy structure used in Connecticut. They do not predict an individual premium. For a broader view of how state rules differ, use our national car insurance directory.
Connecticut minimum car insurance requirements
Most quotes begin with liability coverage. Bodily injury liability addresses covered injury claims made by other people when you cause a crash. Property damage liability addresses covered damage to their vehicles or other property. The legal minimum keeps a policy compliant, but it does not say how much financial risk a household can comfortably retain.
- Coverage
- Bodily injury liability, one person
- Required amount or rule
- $25,000
- What it generally addresses
- Covered injuries to one other person
- Coverage
- Bodily injury liability, one accident
- Required amount or rule
- $50,000
- What it generally addresses
- Total covered injuries in one accident
- Coverage
- Property damage liability
- Required amount or rule
- $25,000
- What it generally addresses
- Covered damage you cause to other property
- Coverage
- PIP or medical coverage
- Required amount or rule
- Not required (at-fault state)
- What it generally addresses
- Medical coverage rules vary by policy
- Coverage
- Additional state rule
- Required amount or rule
- Uninsured/underinsured motorist coverage of $25,000 per person / $50,000 per accident is mandatory
- What it generally addresses
- Review the selection or rejection shown on the quote
- Coverage
- Accident framework
- Required amount or rule
- At-fault
- What it generally addresses
- The responsible driver's liability coverage is central
- Coverage
- SR-22 filing
- Required amount or rule
- Used in this state
- What it generally addresses
- Applies only when ordered after qualifying events
| Coverage | Required amount or rule | What it generally addresses |
|---|---|---|
| Bodily injury liability, one person | $25,000 | Covered injuries to one other person |
| Bodily injury liability, one accident | $50,000 | Total covered injuries in one accident |
| Property damage liability | $25,000 | Covered damage you cause to other property |
| PIP or medical coverage | Not required (at-fault state) | Medical coverage rules vary by policy |
| Additional state rule | Uninsured/underinsured motorist coverage of $25,000 per person / $50,000 per accident is mandatory | Review the selection or rejection shown on the quote |
| Accident framework | At-fault | The responsible driver's liability coverage is central |
| SR-22 filing | Used in this state | Applies only when ordered after qualifying events |
What the state minimum covers, and what it leaves with you
A minimum policy is designed to satisfy state law. It is not designed around the value of your car, the size of a possible injury claim or the amount of savings you want to protect. Those are household decisions, so they need a separate review.
A financed or leased vehicle commonly needs collision and comprehensive coverage under the contract even when state law does not require them. For plain-language definitions and buying context, visit our insurance guides before selecting limits.
Rules and risks that matter in Connecticut
State law is only the starting point. These Connecticut-specific details show what to confirm before you compare coverage or buy a policy.
Why every Connecticut policy includes uninsured motorist coverage
Connecticut is an at-fault state, so the driver who causes a crash pays for it through their liability coverage. The weak point of that system is the driver who carries no coverage at all, nationally, 15.4% of drivers were uninsured in 2023 (Insurance Research Council). Connecticut closes that gap by statute: uninsured and underinsured motorist coverage at 25/50 is required in every auto policy, per the Connecticut Insurance Department.
UM/UIM pays for your injuries when the at-fault driver has no insurance, too little insurance, or leaves the scene. Because you can buy it in higher amounts than the minimum, one useful comparison point in Connecticut is how much each carrier charges to bring UM/UIM limits up to match your liability limits.
How Connecticut's at-fault system works
There is no PIP requirement in Connecticut. After an accident, the at-fault driver's liability insurance covers the other side's medical bills and property damage, and fault can be shared under the state's comparative negligence rules. Your own medical costs ride on the other driver's policy, your health insurance, optional medical payments coverage, or your UM/UIM coverage.
The 25/50/25 floor dates to January 2018, when Connecticut raised its minimums from 20/40/10. Those limits remain the legal minimum, not a benchmark, a multi-car collision on I-95 or I-84 can exhaust $25,000 of property damage coverage quickly, which is why comparing quotes at several limit levels is more informative than comparing minimum-coverage prices alone.
Financial responsibility filings in Connecticut
Connecticut handles high-risk filings differently from most SR-22 states. Since 2004, state law no longer lists specific violations that automatically trigger a filing; instead, under C.G.S. §14-112, the DMV commissioner requires insurer-filed proof of financial responsibility, the certificate commonly known as an SR-22, whenever a driver's record warrants it, typically after serious violations or license restoration. If you're told you need one, your insurance company files the certificate with the Connecticut DMV, and carriers price a flagged record very differently, a strong reason to compare quotes rather than accept the first renewal offer.
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Start a Connecticut quote requestWhat affects car insurance rates in Connecticut?
Average annual expenditure for auto insurance in Connecticut was $1,282 in 2022. This is a historical statewide expenditure benchmark from NAIC 2022 Auto Insurance Database Average Premium Supplement. It combines many types of drivers and policies, so it should be used for market context rather than as a current quote estimate.
Insurers apply their filed rating plans to the household in front of them. Two neighbors can see different prices, and the same household can receive a wide range from different companies because each insurer weighs the inputs differently.
Garaging location
Claim frequency, traffic, repair costs, theft and weather exposure vary across Connecticut ZIP codes.
Drivers and record
Age, driving experience, citations, accidents, claims and continuous insurance history can affect price and eligibility.
Vehicle and use
Repair technology, vehicle value, annual mileage, commute and business use change the potential cost of a claim.
Coverage choices
Liability limits, collision, comprehensive, optional benefits and deductibles determine what the policy is being asked to pay.
Household details
Other licensed drivers, additional vehicles and bundling opportunities can change the account-level price.
Company fit
Insurers target different customer profiles. No one company is consistently cheapest for every driver in every territory.
Before you switch
Read the declarations, not only the price.
The declarations page shows drivers, vehicles, limits, deductibles and selected benefits. Match those fields before deciding that one quote is better.
Learn how a quote becomes a policy →How to compare Connecticut car insurance quotes
Keep the drivers, vehicles, limits, deductibles, dates and payment method the same. Then compare the full-term cost and change only one choice at a time.
Compare insurance companies on price, coverage and service
A familiar name is not automatically the best fit. Compare how each insurer sells and services policies, which optional programs it offers and whether it writes your profile in Connecticut. Availability and underwriting can vary by state.
See how Progressive sells and services policies →
See how GEICO sells and services policies →
See how State Farm sells and services policies →
See how Allstate sells and services policies →Company marks link to independent editorial reviews. They do not identify quote partners or a personalized match.
Browse all company reviews →Compare car insurance by Connecticut city
State law applies across Connecticut, but the garaging address can add a more local rating layer. Use a city guide to review ZIP related factors, vehicle details and the quote worksheet, then return here for the state requirement source.
Check the facts
Rules and market data used on this Connecticut page
The minimum-coverage table is paired with a first-party state reference, and the legal authority named in the guide is C.G.S. §14-112, §38a-336; Connecticut Insurance Department. Historical premium context is labeled by year and linked to the underlying publication. These sources do not replace a policy contract or individualized legal advice; rules and forms can change, so confirm current requirements with the regulator, insurer or a licensed professional.
State requirement source
Connecticut Insurance Department — Auto insurance ↗Official consumer guidance on Connecticut auto insurance requirements and coverage choices.
Historical market data
NAIC — 2022 Auto Insurance Database Average Premium Supplement ↗Historical statewide average-expenditure data published by the National Association of Insurance Commissioners in June 2024.
Regulator directory
NAIC — State insurance department directory ↗Directory of state insurance regulators for current consumer guidance, licensing checks and complaints.
Checked by Show my rates · Last updated August 3, 2026
Connecticut car insurance FAQs
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