Connecticut Auto Insurance Requirements & Rates
Connecticut requires 25/50/25 liability coverage and is an at-fault state.
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Connecticut at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Connecticut operates under a traditional tort liability system, meaning at-fault drivers are financially responsible for damages they cause. The state requires all registered vehicles to carry proof of insurance, and insurers report coverage status directly to the Connecticut Department of Motor Vehicles through an electronic database. Connecticut is one of 12 states that mandate uninsured/underinsured motorist coverage at limits matching your liability policy unless you reject it in writing.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
about $116/mo
Average car insurance spending in Connecticut
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Rates for FreeFrequently Asked Questions
Is Connecticut a no-fault insurance state?
No, Connecticut operates under a traditional tort liability system where the at-fault driver is financially responsible for damages they cause. You can file a claim against the at-fault driver's insurance or sue them directly for damages exceeding policy limits. This differs from no-fault states where each driver's insurance pays their own medical bills regardless of fault.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Connecticut's 25/50/25 minimum is the legal floor, but 100/300/100 or higher limits protect your assets if you cause a serious accident.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist coverage into complete protection for both your vehicle and legal liability. Standard package for financed vehicles and drivers with assets to protect.
Comprehensive Coverage
Pays for vehicle damage from non-collision events including theft, vandalism, weather, and animal strikes. Covers broken windows, hail damage, flood loss, and deer collisions common in Connecticut.
Uninsured Motorist Coverage
Protects you and your passengers when hit by a driver with no insurance or insufficient coverage. Required in Connecticut at limits matching your liability policy unless formally rejected.
Collision Coverage
Repairs or replaces your vehicle after accidents with other cars or objects, regardless of who caused the crash. Pays the actual cash value minus your deductible.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Connecticut DMV after DUI, major violations, or license suspension. Not a coverage type but proof you carry required insurance.