Connecticut Auto Insurance Requirements
Connecticut sets your minimum liability limits and requires uninsured and underinsured motorist coverage, and the state notes the minimums may not be enough.
This article is general information about how insurance usually works in Connecticut. Your policy’s own wording decides what it covers. Ask us about yours.
Short Answer
The state sets minimum limits for bodily injury, property damage and uninsured and underinsured motorist coverage, and the Insurance Department says they may not be enough protection. Collision and comprehensive coverage are not required by law, although a lender or leasing company may require them. A lapse in coverage can bring a DMV warning notice and a suspended registration.
The Minimum Limits
- Bodily injury.
- The minimum limit is $25,000 per person and $50,000 per accident.
- Property damage.
- The minimum limit is $25,000 per accident.
- Single limit option.
- A $50,000 single limit for bodily injury and property damage also meets the minimum.
- Uninsured and underinsured motorist.
- The required coverage is at least $25,000 per person and $50,000 per accident.
Coverage That Is Not Required
Collision and comprehensive coverage are not required by law, although a lender or leasing company may require them.
Continuous Coverage
Connecticut law requires continuous insurance on any registered vehicle. A lapse can bring a DMV warning notice and a suspended registration. The DMV fine to resolve a lapse in insurance is $200.
Proof of Insurance
Insurers must give an auto ID card when a policy is issued and at each renewal, and since October 1, 2018 it may be shown on a phone. The DMV accepts an ID card, declarations page, bond or form MC 1641b as proof of minimum insurance.
Defense Costs
A Connecticut auto liability policy must defend the insured in covered suits, and defense expenses are paid in addition to the limits.
Business Use
A personal auto policy generally excludes business use, such as delivery work. For vehicles you use for work, see commercial auto insurance.
Review at Renewal
The Insurance Department recommends reviewing auto coverage at every renewal. Starting January 1, 2027, a renewal bill for a personal policy with a premium increase must say the insurer will explain the increase within 20 business days of a request. The article on the renewal increase rule explains the requirement further.
Frequently Asked Questions
What are the minimum auto liability limits in Connecticut?
The minimums are $25,000 per person and $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
Does Connecticut require uninsured motorist coverage?
Yes. The required coverage is at least $25,000 per person and $50,000 per accident.
Is collision coverage required in Connecticut?
No, although a lender or leasing company may require it.
What happens if my auto insurance lapses in Connecticut?
A lapse can bring a DMV warning notice and a suspended registration. The DMV fine to resolve a lapse is $200.
Can I show my insurance card on my phone?
Yes. Since October 1, 2018 the ID card may be shown on a phone.
Sources
- Connecticut Insurance Department, Auto Insurance Information Center
- Connecticut Department of Motor Vehicles, Comply with insurance, tax and registration laws
- Connecticut Insurance Department Bulletin PC-87
- Connecticut Insurance Department Bulletin PC-94-26
- Regulations of Connecticut State Agencies 38a-334-5