Connecticut Car Insurance Requirements

Minimum Coverage Requirements

Connecticut requires drivers to carry minimum liability insurance of 25/50/25 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage.

Average Car Insurance Costs in Connecticut

Drivers in Connecticut typically pay approximately $1,620 per year ($135/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Connecticut

State Regulations and Key Rules

Connecticut is an at-fault state with one of the lower uninsured driver rates nationally. Uninsured and underinsured motorist coverage is required. The state mandates UM/UIM at the same limits as liability unless waived.

What Makes Connecticut Unique

Connecticut requires uninsured motorist coverage by default, giving drivers stronger baseline protection than many other states.

Uninsured Drivers in Connecticut

Approximately 6.5% of drivers in Connecticut are estimated to be uninsured. This is among the lower uninsured rates in the country, though carrying uninsured motorist coverage remains a sound financial decision.

Risk Factors Specific to Connecticut

Connecticut winters bring significant snow and ice, increasing collision claims. Hartford and Bridgeport rank among the higher-theft cities in New England. Coastal areas face storm surge and flooding risk from nor'easters.

What Connecticut’s Minimum Actually Covers

Connecticut’s minimum is 25/50/25: $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage. With new vehicles averaging roughly $50,000, the $25,000 property damage limit would leave about $25,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Connecticut

Connecticut also requires UM/UIM coverage, which pays when the at-fault driver has no insurance or too little.

How Connecticut Compares: Uninsured Drivers and Price

An estimated 6.5% of Connecticut drivers are uninsured — roughly 1 in 15 — one of the lowest uninsured rates in the country.

Our average premium estimate of $1,620 a year puts Connecticut above the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Connecticut

Connecticut's urban areas — particularly Hartford and Bridgeport — have elevated rates due to congestion and theft. Drivers who work from home or have short commutes should ask about low-mileage discounts. Bundling home and auto is particularly effective with larger carriers in the state.

• Connecticut's minimum liability requirement of 25/50/25 is the legal floor, not a safe target — since PIP isn't required in Connecticut, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 6.5% of Connecticut drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Connecticut?

25/50/25: $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability.

Is Connecticut a no-fault state?

No. Connecticut is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

Is uninsured motorist coverage required in Connecticut?

Yes. Connecticut requires UM/UIM coverage.

How many drivers are uninsured in Connecticut?

An estimated 6.5% of Connecticut drivers are uninsured, roughly 1 in 15.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.