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 liability system, meaning at-fault drivers are financially responsible for damages they cause. The state requires all drivers to carry proof of insurance and present it during traffic stops or after accidents. Connecticut also mandates uninsured motorist coverage at the same limits as your liability policy, according to the Connecticut Insurance Department.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Cost Overview
$82–$161/mo
Typical monthly rate in Connecticut, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
What Affects Your Rate
- Vehicle age significantly impacts comprehensive and collision costs — insuring a 10-year-old car with full coverage often costs more annually than the vehicle's market value.
Find the Lowest Rate That Still Protects You
Find Your Lowest RateFrequently Asked Questions
Is Connecticut a no-fault insurance state?
No, Connecticut operates under a traditional tort system, meaning the at-fault driver is financially responsible for injuries and damages they cause. You can sue the at-fault driver directly for damages exceeding their insurance limits. This differs from no-fault states where your own insurance pays your medical bills regardless of who caused the crash.
Coverage Types
Liability Insurance
Connecticut's mandatory 25/50/25 coverage pays for injuries and property damage you cause to others. This minimum leaves you personally responsible for any costs exceeding those limits — a significant financial risk if you cause a serious accident.
Uninsured Motorist Coverage
Pays your medical bills and lost wages when an uninsured driver hits you or after a hit-and-run. Connecticut requires this at 25/50 minimums, matching your liability limits, but you can purchase higher limits.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault, minus your deductible. Only financially justified if your vehicle's value exceeds 10 times the annual collision premium.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes minus your deductible. Connecticut sees above-average vehicle theft in urban areas and frequent deer strikes in rural zones.
Full Coverage
Bundles liability, collision, comprehensive, and uninsured motorist coverage. For vehicles worth under $5,000, the annual cost typically exceeds what you'd recover after deductibles.
SR-22 Insurance
A certificate your insurer files with the Connecticut DMV proving you carry required coverage, typically mandated after DUI, reckless driving, or driving uninsured. The SR-22 itself costs $15–$35 to file, but underlying violations raise premiums substantially.