Connecticut Car Insurance Minimum Requirements

Connecticut requires at least 25/50/25 liability coverage. That is $25,000 for injuries to one person, $50,000 per accident and $25,000 for property damage.

Shorthand: 25/50/25
Was 20/40/10 until January 1, 2018. The limits live in § 14-112(a); § 38a-335 requires every auto policy to carry at least those limits.
Bodily injury — per person: $25,000
Raised from $20,000 by P.A. 17-114, effective January 1, 2018 for policies delivered, issued for delivery, renewed, amended or endorsed on or after that date.
Bodily injury — per accident: $50,000
Raised from $40,000 by P.A. 17-114, effective January 1, 2018.
Property damage: $25,000
Raised from $10,000 by P.A. 17-114, effective January 1, 2018. Guides that still list $10,000 of property damage coverage are describing the pre-2018 law.
Uninsured / underinsured motorist: Required — at least 25/50, and equal to your liability limits unless you sign for less
Every Connecticut auto policy must include uninsured and underinsured motorist coverage with bodily injury limits at least those of § 14-112(a). By default the limits equal the bodily injury liability limits you bought; to take less you must sign an informed consent form listing the coverage options and what each costs. Insurers must also offer limits at twice your bodily injury coverage. Separately, § 38a-336a requires insurers to offer "underinsured motorist conversion coverage" for an extra premium: bought in place of ordinary underinsured motorist coverage, it is not reduced by what the at-fault driver or a third party pays.
Personal injury protection (PIP): Not required
Connecticut repealed its no-fault law effective January 1, 1994, and with it the mandatory $5,000 basic reparations (PIP) benefit. Medical payments coverage is optional. Sources that describe Connecticut as a no-fault state with required PIP are more than thirty years out of date.

Property damage minimum — where Connecticut sits

Connecticut sets $25,000 — higher than 23 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Connecticut compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $25,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 2 states on this site set a higher one. Whatever the repair or replacement actually costs above $25,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Connecticut drivers actually spend. The average premium written per insured vehicle here was $478 in 2023, 11th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Connecticut will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Connecticut?

Required — at least 25/50, and equal to your liability limits unless you sign for less.

Is PIP required in Connecticut?

Not required.

Is full coverage required in Connecticut?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Connecticut law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Connecticut

What changed

January 1, 2018
Minimum 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 17-114

Why the rule looks like this

More on Connecticut

Checked against the primary sources above on September 27, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.