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Connecticut’s minimum car insurance coverage requirements

Illustration of flowers at Elizabeth Park in ConnecticutIllustration of flowers at Elizabeth Park in Connecticut

While every state has some sort of mandatory guideline regarding car and auto insurance coverage, the minimum limits vary by state. The following is a breakdown of minimum liability requirements for Connecticut:

Is it mandatory to have car insurance in Connecticut?

Yes

What are the minimum limits for Connecticut?

$25,000 bodily injury liability per person 
$50,000 bodily injury liability per accident 
$25,000 property damage liability per accident

—or—

25/50/25

Auto coverages in Connecticut

We’re proud to be able to help drivers in Connecticut meet their insurance needs. Here are some of the parameters of our insurance coverage in Connecticut:

What is the maximum bodily injury liability and property damage limit available in Connecticut?

$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident 
$100,000 property damage liability per accident

—or—

100/300/100

What liability coverages are required to be offered in Connecticut? Can a customer reject them?

Bodily injury liability and property damage liability must be offered and can’t be rejected. Uninsured motorist (UM) and underinsured motorist (UIM) bodily injury coverage must be offered and can't be rejected. You can select either standard or conversion UM/UIM coverages.

What coverages are available in Connecticut?

  • UM/UIM bodily injury (standard or conversion)

  • Comprehensive

  • Collision

  • Medical payments

  • Lienholder deductible

  • Special equipment

  • Rental reimbursement

  • Roadside assistance

  • Safety glass

  • Bodily injury liability

  • Property damage liability

  • Advanced quote

What’s the oldest a vehicle can be to get comprehensive and collision coverage in Connecticut?

20 years

How far back does Connecticut go to look at violation history?

3 years

What additional policy types are offered in Connecticut?

Is an insurance score used in my rating in Connecticut? If so, is it mandatory?

Yes, an insurance score is used in Connecticut, but isn’t mandatory.

What policy terms are available in Connecticut?

6 months

What is the minimum down payment option in Connecticut?

20%

Are SR22s used in Connecticut? If so, is there a fee? Is the SR-22 filed electronically?

SR22s aren’t used in Connecticut.

What discounts are available in Connecticut?

  • Multi-car

  • Homeowners

  • Transfer (prior insurance)

  • Paid in full

  • Defensive driver course

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