By Jonathan Merwin, Founder and CEO, Licensed Insurance Advisor
Connecticut requires insurance to register and drive, and it requires both uninsured and underinsured motorist protection on every policy. Here’s what the Connecticut Insurance Department says you need, how winter driving and busy corridors like I-95 and the Merritt Parkway shape your choices, and how we help Connecticut drivers compare auto insurance options. We also have a Connecticut office.
Connecticut auto insurance: key facts
- Insurance is mandatory to register and drive in Connecticut.
- Minimum liability: $25,000 per person / $50,000 per accident bodily injury and $25,000 property damage, or a $50,000 single limit (CT Insurance Department).
- Uninsured/underinsured motorist coverage of at least $25,000/$50,000 is required.
- Connecticut is an at-fault state; there’s no PIP requirement like Massachusetts.
- State law requires drivers to clear accumulated snow and ice from the hood, trunk and roof before driving (CGS §14-252a).
Connecticut Minimums
What Connecticut Law Requires
The Connecticut Insurance Department lists the state’s minimums as $25,000 per person and $50,000 per accident for bodily injury, $25,000 per accident for property damage, and at least $25,000/$50,000 of uninsured/underinsured motorist coverage. The Department recommends shopping for higher limits, because the minimums may not provide enough financial protection after a serious crash.
25/50/25 liability
Covers injuries and property damage you cause to others. A $50,000 single limit also satisfies the law.
Uninsured and underinsured
Connecticut requires both. Underinsured coverage helps when the at-fault driver’s limits are too low to cover your injuries.
Collision and comprehensive
Not required by law, but the Department notes a lender or leasing company will require them.
Winter readiness
Connecticut’s snow and ice removal law (CGS §14-252a) means clearing your roof and hood is part of every winter drive.
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UM/UIM in CT
Uninsured and Underinsured Motorist Coverage in Connecticut
Connecticut requires UM/UIM coverage on every auto liability policy. Under Connecticut law (CGS 38a-336), your UM/UIM limits must equal your bodily injury liability limits unless a named insured requests lower limits in writing and signs an informed consent form, and they can never go below the state minimum. Because a single hospital stay can exceed $25,000, matching your UM/UIM limits to your liability limits is usually worth discussing. We’ll explain your choices, including how underinsured coverage interacts with the other driver’s policy.
Local Context
Driving in Connecticut
Southwestern Connecticut commuters know I-95, the Merritt Parkway and Route 7 traffic well, and New Haven and Hartford corridors bring their own congestion. Coastal storms and nor’easters can bring flooding and icy roads, while northwest hill towns see heavier snow and deer. Rental reimbursement and roadside coverage can be useful when your car is your daily commuter. If you also own a home, flood or high-value property coverage may be part of the conversation.
Your Options
Carriers We Work With for Connecticut Auto
For Connecticut drivers, we can compare auto coverage from carriers including the ones below, which are among the 40+ carriers we work with. Availability depends on the driver and vehicle, so we’ll tell you which options fit your situation.
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About 90% of quotes within 24 hours. We don’t charge any fees. Prefer to talk? Call (603) 431-4020.
Local Pages
Connecticut Car Insurance by Town
See our local pages for car insurance in Milford, Stamford, Norwalk, Wilton and New Canaan, or visit our auto insurance hub.
Questions
Connecticut Auto Insurance FAQs
What are the minimum car insurance requirements in Connecticut?
Connecticut requires $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 in property damage liability (or a $50,000 single limit), and at least $25,000/$50,000 in uninsured/underinsured motorist coverage.
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 damages. There’s no PIP requirement like Massachusetts has.
What’s the difference between uninsured and underinsured motorist coverage?
Uninsured coverage helps when the at-fault driver has no insurance or flees the scene. Underinsured coverage helps when the at-fault driver has insurance but not enough to cover your injuries. Connecticut requires both.
Do I have to clear snow off my car in Connecticut?
Yes. Connecticut General Statutes §14-252a requires drivers to remove accumulated snow or ice from the hood, trunk and roof when it could pose a threat to people or property.
Do you have an office in Connecticut?
Yes, we have a Connecticut office, and we also serve Connecticut drivers by phone, email and online.
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Whether you drive the shoreline or the Litchfield Hills, we’ll compare options and explain the differences in plain language. Call (603) 431-4020 or request a quote online.
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