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 as a traditional tort liability state where at-fault drivers are financially responsible for damages. The state maintains the Connecticut Insurance Checking System (CICS), a real-time database that tracks every registered vehicle's insurance status and automatically flags lapses to the DMV. Connecticut is one of 12 states that mandate 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 Bodily Injury
Uninsured Motorist Property Damage
Cost Overview
about $116/mo
Average car insurance spending in Connecticut
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesFrequently Asked Questions
How does Connecticut verify insurance coverage?
The Connecticut Insurance Checking System (CICS) receives real-time electronic reports from all insurers operating in the state. Every policy issuance, cancellation, and renewal is automatically logged and matched against DMV registration records. Police can verify coverage instantly during traffic stops, and the system flags lapses within 24–48 hours, triggering automated suspension notices.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Connecticut's 25/50/25 minimum is among the lowest in the Northeast and inadequate for serious crashes — a multi-vehicle accident on I-95 or Route 15 can generate claims exceeding $100,000.
Full Coverage
Bundles liability, collision, and comprehensive with enhanced limits. Protects both your legal exposure and your vehicle value — critical in Connecticut where the average vehicle age is 9.2 years but repair costs remain high.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, weather, and animal strikes. Connecticut sees elevated comprehensive claims from deer collisions in Litchfield and Tolland counties, plus coastal storm damage.
Collision Coverage
Covers your vehicle damage in at-fault crashes or single-vehicle accidents regardless of fault. Required by lenders but optional once your vehicle is paid off.
Uninsured Motorist Coverage
Protects you when hit by drivers with no insurance or inadequate limits. Connecticut requires this at your liability limits for bodily injury and at $25,000 for property damage unless you reject it in writing.