Connecticut Car Insurance
Connecticut drivers must carry at least 25/50/25 liability coverage under C.G.S. § 14-1121. UM and UIM are compulsory at limits equal to the policy BI liability under C.G.S. § 38a-336, so raising BI automatically raises UM/UIM2. Connecticut is a traditional tort state (no required PIP)4. Insurer-reported lapse under C.G.S. § 14-213b triggers civil penalties3.
YesWeSure Bottom Line
What makes CT unusual. UM/UIM is not just "must-offer." It is compulsory at the liability limits you buy. If you raise BI, UM/UIM rises automatically2.
How to make a real decision. Treat 25/50/25 as a floor. For how to think about higher limits, see how to choose coverage limits. For the rating landscape, see how insurers calculate rates.
State requirements at a glance
What Connecticut car insurance law requires
Minimum liability limits
25 / 50 / 251
$25,000 bodily injury per person, $50,000 per accident, $25,000 property damage per accident, under C.G.S. § 14-112.
Personal Injury Protection (PIP)
Not required4
Connecticut is a traditional tort state. No PIP is required on personal auto. MedPay is an optional first-party add-on.
Uninsured / Underinsured Motorist
Required at policy liability limits2
C.G.S. § 38a-336 requires UM and UIM at limits equal to the policy BI liability. Raising BI automatically raises UM/UIM.
Coverage verification
DMV electronic reporting5
Connecticut DMV administers insurance verification; insurers report terminations electronically. A confirmed lapse triggers civil penalties under C.G.S. § 14-213b.
Rate approval regime
Connecticut Insurance Department oversight4
Connecticut does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
The 25/50/25 minimum
C.G.S. § 14-112 compels every registered Connecticut vehicle to carry 25/50/25 liability1. Many Connecticut drivers carry higher limits.
PIP is not required
Connecticut is a traditional tort state. MedPay is an optional first-party add-on4.
UM and UIM compulsory at policy BI limits
C.G.S. § 38a-336 requires UM and UIM at limits equal to the policy BI liability2. You cannot buy BI above the floor without matching UM/UIM.
DMV verification and lapse enforcement
Connecticut DMV administers insurance verification; a confirmed lapse triggers civil penalties under C.G.S. § 14-213b35.
Rating-factor landscape
Connecticut does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age4. For general treatment, see our how insurers calculate rates guide.
Where the Connecticut situation rules live on YesWeSure
This State Guide owns the Connecticut pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Connecticut SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. DMV consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Connecticut. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/25 minimum liability verified against C.G.S. § 14-112.
- StrongUM and UIM required at policy BI limits verified against C.G.S. § 38a-336. Connecticut requires matching UM/UIM at whatever BI limits are elected.
- StrongTraditional tort state; no required PIP verified against the Connecticut Insurance Department consumer page.
- StrongDMV electronic reporting and civil penalties under C.G.S. § 14-213b verified against primary text and the DMV consumer page.
- LimitedDeliberately omitted from V1. A Connecticut modeled cost anchor; carrier-specific CT underwriting; the exact SR-22 reinstatement timeline (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Connecticut-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Connecticut?
25/50/25 liability under C.G.S. § 14-1121.
Is PIP required in Connecticut?
No. Connecticut is a traditional tort state. MedPay is an optional first-party add-on4.
Is UM/UIM required in Connecticut?
Yes. UM and UIM are required at limits equal to the policy BI liability under C.G.S. § 38a-3362.
Sources & methodology
- C.G.S. § 14-112: evidence of financial responsibility; 25/50/25 statutory floor. (Connecticut General Assembly, TIER 1)
- C.G.S. § 38a-336: UM and UIM required at policy BI liability limits. (Connecticut General Assembly, TIER 1)
- C.G.S. § 14-213b: lapse and civil penalty for operation without insurance. (Connecticut General Assembly, TIER 1)
- Connecticut Insurance Department: Automobile Insurance consumer page. (Connecticut Insurance Department, TIER 1)
- Connecticut DMV: Insurance Requirements consumer page. (Connecticut Department of Motor Vehicles, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Connecticut General Statutes, Connecticut Insurance Department, Connecticut DMV). Every legal number traces to a Connecticut primary source: C.G.S. §§ 14-112, 38a-336, 14-213b. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .