Car Insurance Laws in Connecticut
Connecticut car insurance laws mandate that drivers have liability insurance and uninsured/underinsured motorist insurance. Read this article to learn about auto insurance requirements in Connecticut.
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Connecticut car insurance laws mandate that drivers have liability insurance and uninsured/underinsured motorist insurance. But you may want to purchase more than that so that you have better coverage if you get into an accident.
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Connecticut car insurance requirements
In Connecticut, drivers must have liability insurance and uninsured/underinsured motorist insurance—and must carry
proof of insurance
in their vehicle. Here’s what you need to purchase, at minimum:
Minimum Liability Coverage | Uninsured/Underinsured Motorist Coverage |
|---|---|
$25,000 bodily injury per person | $25,000 bodily injury per person |
$50,000 bodily injury per accident | $50,000 bodily injury per accident |
$25,000 property damage per accident |
What is liability coverage?
Liability insurance
protects other drivers on the road when you’re at fault in an accident. If you hit another person’s vehicle or property, your liability coverage will help cover the cost of any medical bills and/or property damage.What is uninsured/underinsured motorist coverage?
Uninsured/underinsured motorist coverage
reimburses you for your expenses as a result of an accident caused by an uninsured driver. Instead of suing the driver without insurance, your insurance company covers the costs.Key Takeaway In Connecticut, you must have liability insurance and uninsured/underinsured motorist protection—but it’s always a good idea to purchase additional coverage if you can afford it.
What are car insurance limits?
Car insurance limits are the maximum amount an insurance provider will pay to cover your claims. Each state has mandated
car insurance laws
, but you can always buy more than the minimums for greater coverage (and at a higher premium).In Connecticut, the minimum limits are 25/50/25—which refers to bodily injury per person, bodily injury per accident, and property damage.
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Penalties for driving without insurance in Connecticut
Since coverage is legally required in Connecticut, there are punishments for
driving without car insurance
. Here’s what’s on the table if you get behind the wheel without adequate coverage:- $50 fine for not carrying proof of insurance
- Fine of $100 to $1,000 for driving without insurance
- License suspension up to one month for the first infraction and up to six months for subsequent ones
- License and registration reinstatement with a $175 fee
- Insurance reinstatement fee of $200 (for drivers who cancel insurance)
Is minimum insurance enough in Connecticut?
To legally drive, you need to meet the minimum insurance requirements—but that doesn’t mean it’s enough to truly protect you. If you can afford it, you should purchase additional insurance.
Here are some of the most common add-ons:
- Comprehensive coveragecovers physical damage to your vehicle that isn’t the result of a collision (e.g., vandalism).
- Collision coveragecovers the cost of repairs for your vehicle after a collision with another vehicle or fixed object
- Medical payments coveragecovers the cost of medical bills or funeral expenses resulting from a collision
- Rental car reimbursementcovers the cost of a rental vehicle while yours is being repaired
- Towing and labor coveragehelps with things like fixing flats, towing, or jumping batteries, though coverage varies between policies and providers
Key Takeaway If you can afford it, you should purchase more than just the minimum required insurance coverage.
Where to purchase car insurance if you live in Connecticut
Whether you’re looking to purchase a new policy or want to ensure you’re getting the best deal on car insurance,
Jerry
, the trusted insurance comparison shopping app
, can help you with the process.
All you have to do is answer a few simple questions (it takes less than a minute!)—then Jerry brings you competitive
car insurance quotes
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FAQs
Is car insurance mandatory in Connecticut?
Yes, car insurance is mandatory in Connecticut. Connecticut mandates that drivers have liability insurance and uninsured/underinsured motorist insurance. It’s a good idea to purchase more coverage than this, and
Jerry
can help you do that for the best price.What car insurance is required in Connecticut?
Connecticut requires all drivers have 25/50/25 liability insurance, as well as uninsured/underinsured motorist protection.
What happens if I don’t have car insurance in Connecticut?
There are various fines, fees, and penalties (including license suspension) for driving without car insurance in Connecticut. In short, don’t do it.
Thankfully, Jerry can help you find the cheapest car insurance rates so you’re always in compliance—without having to break the bank for coverage.
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