Minimum car insurance in Connecticut.
What Connecticut requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Connecticut, the minimum liability limits are written 25/50/25 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $25,000 for property damage.
How the system works
Connecticut is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. UM/UIM required at 25/50.
What the minimum means in practice
Say a crash you cause injures three people. The Connecticut minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $25,000.
If you drive without insurance in Connecticut
Connecticut charges a $200 uninsured motorist civil penalty for each lapse of insurance, and registration privileges are suspended if the notice is not resolved. The DMV rescinds the suspension after receiving the $200 and proof of insurance.
Proof of insurance
Insurers report uninsured motorists to the DMV, and the DMV accepts only a declaration page, a letter of experience or a permanent CT Insurance Identification Card as proof (not temporary cards, bills or binders).
Also worth knowing in Connecticut
The DMV mails a suspension notice if insurance has lapsed more than 14 days, and a hearing can be requested by calling before the suspension date.
Your state regulator
Connecticut Insurance Department is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Connecticut a no-fault state?
Connecticut is generally an at-fault state.