Connecticut Auto Insurance Rates & Requirements
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 system, meaning at-fault drivers are liable for damages they cause. The state mandates continuous insurance coverage for all registered vehicles and monitors compliance through the Connecticut Insurance Verification System (CIVS), which electronically tracks coverage status. Connecticut law also requires uninsured/underinsured motorist coverage at the same limits as your liability policy unless you reject it in writing, per Connecticut General Statutes § 38a-336.
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 Rates and Get CoveredFrequently Asked Questions
Why is car insurance so expensive in Connecticut?
Connecticut's rates rank above the national median due to dense population corridors increasing accident frequency, high medical costs driving bodily injury claims, and a plaintiff-friendly legal environment without caps on non-economic damages. Urban theft rates in Hartford, Bridgeport, and New Haven plus coastal storm exposure further elevate comprehensive premiums compared to less densely populated states.
Can I get car insurance with a suspended license in Connecticut?
Most standard carriers will not issue new policies to drivers with suspended licenses, but you can often maintain existing coverage during a suspension period. Connecticut requires SR-22 filing for certain violations, which proves continuous insurance during license reinstatement. Non-standard carriers may offer policies to high-risk drivers at significantly elevated rates.
How does Connecticut verify insurance coverage?
Connecticut operates the Connecticut Insurance Verification System (CIVS), which electronically monitors insurance status for all registered vehicles in real time. Insurers report policy activations and cancellations directly to CIVS, allowing the DMV to identify uninsured vehicles immediately. This system replaced manual insurance card checks and enables automated enforcement of Connecticut's mandatory coverage laws.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Connecticut's 25/50/25 minimum is frequently insufficient for serious accidents, leaving you personally liable for the difference.
Full Coverage
Combines liability with comprehensive and collision to protect both your legal exposure and your vehicle's value. Required by lenders and essential for vehicles worth more than a few thousand dollars.
Comprehensive Coverage
Protects against non-collision damage including theft, weather, vandalism, and animal strikes. Pays the actual cash value of your vehicle minus your deductible.
Collision Coverage
Repairs or replaces your vehicle after an accident regardless of fault. Works with a deductible you choose, typically $500–$1,000.
Uninsured Motorist Coverage
Pays your medical bills and lost wages when hit by an uninsured or underinsured driver. Automatically included at your liability limits unless you reject it in writing.
SR-22 Insurance
A certificate proving you carry insurance, filed by your insurer with the Connecticut DMV after certain violations like DUI or driving uninsured.