Connecticut Car Insurance Requirements (Updated for 2025)

Driving in Connecticut requires maintaining minimum liability and uninsured/underinsured motorist (UM/UIM) coverage. Failure to comply can result in fines, suspension, impoundment, and other penalties.

Minimum Liability Coverage in Connecticut

As of 2025, Connecticut law requires:

• Bodily Injury Liability: $25,000 per person / $50,000 per accident
• Property Damage Liability: $25,000 per accident

Also referred to as “25/50/25” coverage.

Uninsured/Underinsured Motorist Coverage (UM/UIM)

UM/UIM coverage is required in Connecticut, at a minimum equal to your BI limits—but you may purchase up to double your BI limits and add “conversion”—meaning your UM/UIM limit won’t be reduced by the at-fault driver’s insurance :contentReference[oaicite:1]{index=1}.

• Minimum: $25,000 per person / $50,000 per accident
• Optional: Increased limits (e.g., 50/100, 100/200, etc.)
• Conversion Coverage: Permits stacking UM/UIM limits on top of at-fault driver’s payout :contentReference[oaicite:2]{index=2}.

Optional Coverages to Consider

• Comprehensive Coverage (theft, vandalism, weather)
• Collision Coverage (repairs from accidents)
• Medical Payments (MedPay)
• Rental Reimbursement
• Roadside Assistance

Proof of Insurance Requirements

You must carry insurance ID—paper or digital—and present it upon request during traffic stops, accidents, or during restoration of suspended registration :contentReference[oaicite:3]{index=3}.

Penalties for Driving Without Insurance

• First offense: Infraction with $100–$1,000 fine; 1‑month license & registration suspension; $175 restoration fee :contentReference[oaicite:4]{index=4}
• Repeat offenses: Class C misdemeanor—up to $1,000 fine, up to 3 months jail; longer suspension; possible SR‑22 requirement :contentReference[oaicite:5]{index=5}
• Impoundment for uninsured vehicles with suspended registration; vehicles may be forfeited after 45 days :contentReference[oaicite:6]{index=6}

Why Consider Higher Coverage?

Connecticut has a significant number of uninsured drivers (~12%) and high medical costs; UIM coverage—and especially conversion—provides additional protection :contentReference[oaicite:7]{index=7}.

Compare Auto Insurance Quotes in Connecticut

Premiums vary by location, age, driving history, vehicle, and coverage amounts. Use the tool below to compare quotes from top Connecticut insurance providers:

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FAQs

Is Connecticut a no‑fault state?

No. It’s an at‑fault (tort) system—fault determines liability.

Is UM/UIM coverage mandatory in Connecticut?

Yes, you must carry it in amounts matching your BI limits, and you may opt for higher limits and conversion.

What is an SR‑22 in Connecticut?

While not called an SR‑22, you may need to file proof of financial responsibility after serious violations or repeated uninsured offenses.