Connecticut car insurance: minimums, prices and your estimate
Connecticut requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Connecticut is an at-fault state that requires uninsured and underinsured motorist coverage on every policy, with no option to reject it entirely. Insurers also cannot refuse, cancel or nonrenew your policy based solely on your age, sex, marital status or lawful occupation.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed with limits
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22
What drivers in Connecticut can expect to pay
Monthly ranges from our model, anchored to Connecticut's position in 7 published price studies from 2025 and 2026 ($3,262 a year for full coverage and $1,247 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $234-$310 | $3,262 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $89-$118 | $1,247 |
| Young driver, full coverage20, own policy, clean record | $435-$653 | $6,524 |
| Senior, full coverage70, clean record | $224-$298 | $3,132 |
| After one at-fault accident35, full coverage | $351-$465 | $4,893 |
| After a DUI35, full coverage | $409-$613 | $6,133 |
| Poor credit35, clean record, full coverage | $417-$600 | $6,100 |
Build your Connecticut estimate
Rules worth knowing in Connecticut
- Your uninsured and underinsured motorist limits must equal your bodily injury liability limits unless you ask in writing for less, and they can never go below $25,000 per person and $50,000 per accident.
- Insurers must offer uninsured and underinsured motorist limits up to twice your liability limits, and your choice carries over at renewal unless you change it in writing.
- Connecticut does not require PIP or medical payments coverage.
- Insurers may use credit history only within limits set by state law, and any credit-based rating program must be filed with the Insurance Commissioner and may not unfairly discriminate.
- The rule against refusing coverage based solely on age or sex does not apply to pricing. Insurers also cannot surcharge you for certain small property-damage accidents.
- When the Connecticut DMV requires proof of financial responsibility, you can provide an insurer's certificate, commonly called an SR-22, or a bond; the state sets how long you must keep it, so check with the DMV.
Questions about Connecticut car insurance
What is the minimum car insurance in Connecticut?
Connecticut requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Connecticut per month?
For a 35-year-old with a clean record, our model puts full coverage at about $234 to $310 a month and state-minimum coverage at about $89 to $118. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Connecticut a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Connecticut use my credit score?
Yes, within limits set by state law, so better credit usually means a lower price when you buy a new policy.
Do I need an SR-22 in Connecticut?
Only if a court or the state requires one, usually after a serious violation or a lapse. When the Connecticut DMV requires proof of financial responsibility, you can provide an insurer's certificate, commonly called an SR-22, or a bond; the state sets how long you must keep it, so check with the DMV.