What changed in Connecticut
Insurance law does not sit still, but most guides are written once and left alone. Repealed programs and retired forms keep circulating for years. This is what actually changed inConnecticut, when, and where to verify it.
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January 1, 2018
Minimum coverageMinimum liability limits raised from 20/40/10 to 25/50/25
P.A. 17-114 (H.B. 5963) rewrote Conn. Gen. Stat. § 14-112, lifting bodily injury coverage from $20,000 to $25,000 per person and from $40,000 to $50,000 per accident, and property damage coverage from $10,000 to $25,000. It applies to policies delivered, issued for delivery, renewed, amended or endorsed on or after January 1, 2018. Because § 38a-335 and § 38a-336 both point at § 14-112(a), the same increase raised the floor for required uninsured and underinsured motorist coverage. Guides that still list Connecticut at 20/40/10 are describing the law as it stood before 2018.
Connecticut General Assembly — Public Act 17-114January 1, 1994
Fault systemNo-fault insurance repealed; Connecticut returned to a tort system
P.A. 93-297, approved July 1, 1993, was an outright repeal, not a sunset: section 28 of the act repealed Conn. Gen. Stat. §§ 38a-365 to 38a-369, 38a-373 to 38a-378, 38a-380 to 38a-384 and 38a-386, and section 29 set that repealer to take effect January 1, 1994. Gone with those sections was the mandatory $5,000 basic reparations (PIP) benefit and the restriction on suing the at-fault driver. The same act created underinsured motorist conversion coverage (§ 38a-336a) and the informed consent form for reducing uninsured and underinsured motorist limits. Thirty years on, guides and comparison sites still describe Connecticut as a no-fault state.
Connecticut General Assembly — Public Act 93-297
What this list does and does not cover
Recorded here: changes to the rules this site tracks for Connecticut — liability minimums, SR-22 and proof-of-insurance requirements, penalties for driving uninsured, the fault system, what a lapse costs, new-resident deadlines and crash reporting. Each entry names the session law or statute that made the change and the date it took effect, not the date it was signed.
Not recorded: rate filings, individual insurer decisions, court rulings that do not change the text of the law, and changes to rules outside those seven subjects. A short list does not mean a quiet legislature — it means little moved in the parts of Connecticut law a driver has to comply with.
A change that has passed but has not yet taken effect is not shown as current anywhere on this site. It sits on the Connecticut pages as a dated pending value and replaces the current figure on the morning it comes into force. You can see every pending change across the country at the top of the national change feed, and the sources behind the Connecticut figures on its statute index.