What is the minimum car insurance requirement in Connecticut?

Connecticut requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Is Connecticut an at-fault or no-fault state?

Connecticut is an at-fault state for car insurance claims.

Field report · CT

Car insurance in Connecticut

Connecticut is an at-fault state with a minimum liability requirement of 25/50/25. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/251

Fault systemAt-fault1

Uninsured motoristRequired1

RegulatorConnecticut Department of Motor Vehicles (CT DMV)

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.

Both uninsured AND underinsured motorist coverage are mandatory, at the same limits as your bodily-injury liability (25/50) - Connecticut is one of a small group of states (with Maine and Vermont) that compels both UM and UIM rather than just UM.

Estimated cost

$1,089 a year for minimum coverage, $2,753 for full coverage2

Average annual premiums in Connecticut for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Typically required after a DUI conviction, driving uninsured, reckless driving, or by court order.

Local conditions worth knowing

Dense I-95/I-84 traffic corridors near New York City and Hartford drive congestion-related claim frequency; as a tort state, injury claims are resolved through the courts rather than no-fault PIP.

Frequently asked

What is the minimum car insurance requirement in Connecticut?: Connecticut requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage.
Is Connecticut an at-fault or no-fault state?: Connecticut is an at-fault state for car insurance claims.
Do I need an SR-22 in Connecticut?: Typically required after a DUI conviction, driving uninsured, reckless driving, or by court order.
Is uninsured motorist coverage required in Connecticut?: Both uninsured AND underinsured motorist coverage are mandatory, at the same limits as your bodily-injury liability (25/50) - Connecticut is one of a small group of states (with Maine and Vermont) that compels both UM and UIM rather than just UM.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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