Auto Insurance Minimum Requirements
Connecticut requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. Connecticut is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is not required.
Uninsured / Underinsured Motorist
Mandatory minimum limits for UM/UIM must match the liability limits of 25/50.
SR-22 Filings
Required after alcohol-related convictions or serious driving violations for 3 years.
Alternatives to Insurance
Continuous auto insurance is strictly required; no public bond alternatives for personal registrations.
Fine
$100–$1,000
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Connecticut?
Connecticut requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. This is written as 25/50/25 coverage.
Is Connecticut a no-fault state?
No, Connecticut is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Connecticut?
Yes. Connecticut requires uninsured motorist (UM) coverage. Underinsured motorist (UIM) coverage is also required. Mandatory minimum limits for UM/UIM must match the liability limits of 25/50.
What happens if I drive without insurance in Connecticut?
Driving without insurance in Connecticut can result in fines of $100–$1,000 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Connecticut?
SR-22 filings are used in Connecticut for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required after alcohol-related convictions or serious driving violations for 3 years.
What does 25/50/25 mean in Connecticut?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Connecticut Department of Motor Vehicles
More Connecticut Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Connecticut Department of Motor Vehicles publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.