Connecticut Car Insurance

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In a nutshell...
  • Driving with no car insurance in Connecticut is illegal
  • Liability insurance only provides coverage for damages or injuries sustained to other people from accidents
  • Most Connecticut drivers opt for additional coverage beyond state minimum requirements

Connecticut car insurance requirements are set by the Connecticut Department of Insurance which currently requires all drivers to have minimum levels of liability coverage before while operating a vehicle.

Driving with no car insurance in Connecticut is illegal and may subject the driver to hefty fines and drivers license suspension among other penalties.

While other states have over 100 licensed car insurance companies the Connecticut auto insurance market is much smaller with just over 50 auto insurance providers.

However, even with a smaller list of auto insurance providers, CT drivers can still find affordable car insurance from many different providers.

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Connecticut Car Insurance Requirements

All vehicles registered in the State of Connecticut must have liability insurance with at least 20/40/10 coverage.

These numbers represent the minimum levels of liability coverage which can be further defined as:

  • $20,000 of liability coverage per person per accident
  • $40,000 of liability coverage for all persons per accident
  • $10,000 of property damage insurance

Most Connecticut drivers opt for additional coverage beyond state minimum requirements as Connecticut operates under the tort system and does not have any no-fault car insurance laws in place.

This means the potential for liability is much higher if you are at-fault in a car accident, not to the mention the cost medical expenses which could easily surpass these minimum levels of coverage in even only a minor accident.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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Should I purchase more than the minimum car insurance required by law?

Liability insurance only provides coverage for damages or injuries sustained to other people from accidents where you are determined to be at fault.

Liability insurance does not pay for damages to your vehicle or injuries sustained by you, so it’s critical you consider other types of coverage in addition to Connecticut minimum requirements.

Consider purchasing Comprehensive/Collision insurance, GAP insurance, and uninsured/underinsured motorist coverage.

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