State guide
Car Insurance in Connecticut
Updated August 2026
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.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $25,000 |
| PIP / medical | Not required (at-fault state) |
| Additional requirements | Uninsured/underinsured motorist coverage of $25,000 per person / $50,000 per accident is mandatory |
| No-fault state | No |
| SR-22 used | Yes |
Source: C.G.S. §14-112, §38a-336; Connecticut Insurance Department
Average annual expenditure for auto insurance in Connecticut was $1,282 in 2022. (NAIC 2022 Auto Insurance Database Average Premium Supplement)
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.
Compare Connecticut car insurance quotes
Enter your ZIP to see quotes from companies writing in Connecticut. Free, about 2 minutes.
Frequently asked questions
What car insurance is required in Connecticut?+
Liability coverage of at least $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage (25/50/25), plus mandatory uninsured/underinsured motorist coverage of $25,000 per person / $50,000 per accident, per the Connecticut Insurance Department.
Is Connecticut a no-fault state?+
No. Connecticut is an at-fault (tort) state — the driver who causes the accident is financially responsible, through their liability coverage. There is no PIP requirement.
Is uninsured motorist coverage optional in Connecticut?+
No. Unlike most states, Connecticut requires every auto policy to include uninsured/underinsured motorist coverage of at least $25,000 per person and $50,000 per accident.
Does Connecticut use SR-22s?+
Yes, though not automatically. Under C.G.S. §14-112 the DMV commissioner requires an insurer-filed certificate of financial responsibility (commonly called an SR-22) when a driver's record calls for it, rather than after a fixed statutory list of violations.
Ready to see your real rates?
Free, takes about 2 minutes, and you choose who contacts you.
See my rates