Connecticut Auto Insurance

Required Insurance - Auto insurance laws in Connecticut mandate that you must possess Bodily Injury liability, Property Damage liability, Uninsured Motorists liability and Underinsured Motorists liability insurance policies to register and operate a vehicle in the state. Insurance must be obtained after registration and before using your automobile.

Minimum Coverage - 20/40/10 - Connecticut auto insurance law requires that the minimum limits of auto insurance liability coverage is, $20,000 for injury liability for one person in an accident, $40,000 for all injuries in any single accident, and $10,000 for property damage liability in an accident.

Uninsured/Underinsured Motorist Coverage (UM) and (UIM) Connecticut auto insurance law states that motorists are required to possess UM and UIM minimum coverage of $20,000 per person and $40,000 for all injuries per accident.

Proof of Auto Insurance - You are required to carry proof of your liability insurance policy in your vehicle at all times. What is recommended to be the best proof of liability insurance is your insurance card, which is issued by your insurance company. Of course, your current itemized policy revealing that the minimum insurance coverage is complied with should suffice.

Penalty for Non-Compliance - The penalty for not possessing the required insurance, first offense, is one of the toughest penalties in the country: having your registration/license suspended/revoked, confiscation of plates, vehicle impoundment, and a $110-$250 fine

Tort Liability - Connecticut is based on the standard tort liability system where parties can sue for liability damages. In CT, there are no restrictions on lawsuits

Seatbelt Requirement - Again, Connecticut takes its driving laws seriously. Therefore, you can be pulled over for seatbelt non-compliance. The penalty of non-compliance is a $15-$37 fine for non-compliance in the front seats.

Connecticut Insurance Department
153 Market Street
Hartford, CT 06103

Tel: 860 297-3800
Toll Free(CT Only): 800 203-3447
Fax: 860 566-7410

Web Site:Connecticut Insurance Department
Email: ctinsdept.information@po.state.ct.us