Car insurance in Connecticut
Connecticut is a at-fault state with a minimum liability requirement of25/50/25. Here's what that means, what it costs, and what to check before you buy.
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
Illustrative estimate: roughly $1,000-$1,300/year for minimum coverage.
Why this is a range, not a quote
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 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.
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