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Connecticut Car Insurance Regulations & Required Coverage

Connecticut insurance law requires that all motorists to maintain minimum insurance requirements which include liability and uninsured motorist coverages. The state has specific fines for those that do not comply with the law. It is also strongly recommended that you obtain additional coverage to maximize your protection.

In Connecticut, someone must always be found to be at fault for causing an accident. Their insurance law follows a tort system and requires the at fault part, along with their insurance company, to pay for damages resulting for the accident. Specifics of the tort system can vary from state to state.

Required Coverage

All personal vehicles in Connecticut require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage

Additionally, the following coverage is required:

  • Uninsured/Underinsured Motorist Bodily Injury
Minimum Connecticut Car Insurance Requirements
Bodily Injury Liability $20,000 / $40,000 Limit
Property Damage Liability $10,000 Limit
Uninsured/Underinsured Bodily Injury $20,000 / $40,000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage

Collision and comprehensive coverage can be important additional coverage for your vehicle. Each coverage will provide added security in the event that your car is involved in an accident, it is stolen or mother nature causes damage. Collision will replace or repair damage to your vehicle if it is involved in an accident and comprehensive pays for damages resulting from theft from your vehicle or damage caused by a fire. There are many vehicles on the list of most stolen vehicles in Connecticut. Making sure you are financially protected is even more important if your vehicle is listed.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Insurance ID Card
  • Copy of Insurance Policy or Binder

You must maintain proof of insurance and financial responsibility and present it:

  • When asked by a police officer
  • After an accident
  • When registering the vehicle with the state
  • Anytime you are operating a vehicle

Failure to Maintain Financial Responsibility Penalties

If you are unable to show proof of insurance when asked by either the policy or by the DMV, you can face one of the following penalties:

  • A fine of $200
  • Suspension of your registration and license
  • Loss of all privileges to renew or register any vehicles in the state

Connecticut Insurance Agents

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