Connecticut car insurance: requirements & free quotes
Connecticut requires both liability and uninsured/underinsured motorist coverage. It is an at-fault state where commuter traffic along I-95 and nor'easter snowstorms shape driving risk.
Minimum coverage in Connecticut
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$25,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Uninsured/underinsured motorist $25,000 per person / $50,000 per accident
Shown as 25/50/25 + UM/UIM 25/50. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Connecticut
- Consider raising UM/UIM limits to match your liability limits for stronger protection.
- Comprehensive coverage helps with storm damage and falling limbs from nor'easters.
- Ask about discounts for completing an accident-prevention course.
- Bundling home or renters insurance with auto is a common way to save.
We connect drivers across Connecticut
Including Bridgeport, New Haven, Hartford, Stamford and Waterbury — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Connecticut car insurance FAQ
No. Connecticut is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.