Connecticut car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Connecticut?

Yes , Connecticut requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UIMBI and UMBI 25/50 .

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Connecticut car insurance laws

Connecticut requires that drivers carry at least 25/50/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Connecticut drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Connecticut car insurance requirements

Connecticut requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Connecticut liability minimums are 25/50/25.

Uninsured/Underinsured motorist coverage (UM/UIM). Uninsured and underinsured motorist coverageAn auto insurance coverage that pays for injuries or damage if you're in an accident with a driver who has no insurance or not enough insurance. helps pay for your medical costs and property damage if the at-fault driver has little or no car insurance. Your insurer would cover expenses up to your limits in addition to any payments from the other insurer.

Connecticut requires uninsured motorist coverage of 25/50.

The average cost of a minimum coverage policy is $704. However, Geico has the lowest minimum car insurance rates, averaging $384.

The table below shows the top insurers' average rates for minimum coverage in Connecticut.

Company	Average annual premium	Average monthly premium
Geico	$384	$32
Kemper	$562	$47
State Farm	$613	$51
Amica	$731	$61
Allstate	$732	$61
Nationwide	$808	$67
Progressive	$881	$73
Farmers	$921	$77

Read our methodology

Connecticut car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $704. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Connecticut.

The cheapest company for minimum coverage in Connecticut is Geico at an average rate of $384 annually.

State minimum coverage limit	25/50/25
Average annual premium	$704
Average monthly premium	$59

Read our methodology

Are the Connecticut minimum coverage requirements changing in 2025?

Connecticut car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Connecticut?

Connecticut requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Connecticut drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

Uninsured and underinsured motorist coverage is also required. Uninsured motorist coverage helps pay for coverage when the at-fault driver doesn't have car insurance, and underinsured coverage assists when the at-fault driver doesn't have enough car insurance to cover injury and property damage costs. Without these coverages, you would have to pay for medical and repair costs that the other driver's insurance didn't cover. You may be able to opt out of this coverage.

PEOPLE ASK:

Is Connecticut minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Connecticut?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Connecticut penalties for driving without car insurance

Since Connecticut requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Connecticut car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$100-$1,000
Other penalties	License and registration suspension
Jail time	Possible

Read our methodology

Connecticut minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Geico has the best rates for teens with minimum coverage averaging $1,510. Geico offers the cheapest coverage for adults at $376.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $706, and the average rate for a 40-year-old male is $702, a difference of $4.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Geico	$2,192	$183
16	State Farm	$2,568	$214
16	Amica	$2,590	$216
16	Progressive	$4,788	$399
16	Nationwide	$5,001	$417
16	Kemper	$5,122	$427
16	The Hanover	$5,221	$435
16	Farmers	$5,686	$474
16	Allstate	$6,351	$529
17	Geico	$1,539	$128
17	State Farm	$2,229	$186
17	Amica	$2,481	$207
17	Kemper	$3,041	$253
17	Nationwide	$3,440	$287
17	Progressive	$3,773	$314
17	Farmers	$4,432	$369
17	The Hanover	$4,473	$373
17	Allstate	$4,505	$375
18	Geico	$1,458	$122
18	State Farm	$1,912	$159
18	Amica	$2,266	$189
18	Kemper	$2,381	$198
18	Allstate	$3,120	$260
18	Progressive	$3,182	$265
18	Nationwide	$3,440	$287
18	Farmers	$3,963	$330
18	The Hanover	$4,007	$334
19	Geico	$1,059	$88
19	State Farm	$1,640	$137
19	Amica	$1,795	$150
19	Progressive	$1,918	$160
19	Allstate	$1,949	$162
19	Kemper	$2,005	$167
19	Farmers	$2,687	$224
19	Nationwide	$2,830	$236
19	The Hanover	$3,320	$277
20	Geico	$961	$80
20	State Farm	$1,414	$118
20	Allstate	$1,629	$136
20	Amica	$1,663	$139
20	Progressive	$1,697	$141
20	Kemper	$1,720	$143
20	Nationwide	$2,411	$201
20	Farmers	$2,544	$212
20	The Hanover	$2,904	$242
21	Geico	$732	$61
21	State Farm	$1,197	$100
21	Amica	$1,259	$105
21	Allstate	$1,274	$106
21	Progressive	$1,380	$115
21	Kemper	$1,407	$117
21	Nationwide	$1,473	$123
21	Farmers	$1,930	$161
22	Geico	$681	$57
22	State Farm	$1,070	$89
22	Allstate	$1,092	$91
22	Amica	$1,175	$98
22	Kemper	$1,220	$102
22	Progressive	$1,237	$103
22	Nationwide	$1,344	$112
22	Farmers	$1,562	$130
23	Geico	$594	$50
23	State Farm	$934	$78
23	Allstate	$1,015	$85
23	Kemper	$1,062	$89
23	Amica	$1,091	$91
23	Progressive	$1,135	$95
23	Nationwide	$1,243	$104
23	Farmers	$1,531	$128
24	Geico	$466	$39
24	State Farm	$821	$68
24	Allstate	$947	$79
24	Kemper	$997	$83
24	Progressive	$1,053	$88
24	Amica	$1,059	$88
24	Nationwide	$1,169	$97
24	Farmers	$1,505	$125
25	Geico	$382	$32
25	Kemper	$628	$52
25	State Farm	$730	$61
25	Amica	$837	$70
25	Allstate	$888	$74
25	Progressive	$930	$78
25	Nationwide	$976	$81
25	Farmers	$1,260	$105
30	Geico	$401	$33
30	Kemper	$544	$45
30	State Farm	$608	$51
30	Allstate	$755	$63
30	Amica	$759	$63
30	Nationwide	$834	$70
30	Progressive	$876	$73
30	Farmers	$941	$78
35	Geico	$401	$33
35	Kemper	$533	$44
35	State Farm	$604	$50
35	Allstate	$744	$62
35	Amica	$744	$62
35	Nationwide	$827	$69
35	Progressive	$876	$73
35	Farmers	$916	$76
40	Geico	$401	$33
40	Kemper	$559	$47
40	State Farm	$613	$51
40	Amica	$731	$61
40	Allstate	$732	$61
40	Nationwide	$801	$67
40	Progressive	$863	$72
40	Farmers	$913	$76
45	Geico	$401	$33
45	Kemper	$566	$47
45	State Farm	$617	$51
45	Amica	$713	$59
45	Allstate	$723	$60
45	Nationwide	$801	$67
45	Progressive	$858	$72
45	Farmers	$892	$74
50	Geico	$385	$32
50	Kemper	$559	$47
50	State Farm	$608	$51
50	Amica	$688	$57
50	Allstate	$721	$60
50	Nationwide	$775	$65
50	Progressive	$834	$70
50	Farmers	$835	$70
55	Geico	$385	$32
55	Kemper	$545	$45
55	State Farm	$595	$50
55	Amica	$665	$55
55	Allstate	$700	$58
55	Nationwide	$717	$60
55	Farmers	$795	$66
55	Progressive	$818	$68
60	Geico	$385	$32
60	Kemper	$548	$46
60	State Farm	$581	$48
60	Amica	$688	$57
60	Nationwide	$691	$58
60	Allstate	$708	$59
60	Farmers	$784	$65
60	Progressive	$831	$69
65	Geico	$405	$34
65	Kemper	$581	$48
65	State Farm	$581	$48
65	Amica	$708	$59
65	Allstate	$716	$60
65	Nationwide	$769	$64
65	Farmers	$779	$65
65	Progressive	$878	$73
70	Geico	$510	$43
70	State Farm	$613	$51
70	Kemper	$614	$51
70	Amica	$750	$63
70	Allstate	$800	$67
70	Nationwide	$886	$74
70	Farmers	$912	$76
70	Progressive	$915	$76
75	Geico	$599	$50
75	State Farm	$676	$56
75	Kemper	$731	$61
75	Amica	$799	$67
75	Allstate	$945	$79
75	Farmers	$988	$82
75	Nationwide	$1,048	$87
75	Progressive	$1,125	$94

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	Geico	$2,092	$174
16	State Farm	$2,030	$169
16	Amica	$2,393	$199
16	Progressive	$5,131	$428
16	Nationwide	$3,895	$325
16	Kemper	$4,323	$360
16	The Hanover	$4,806	$401
16	Farmers	$5,751	$479
16	Allstate	$6,351	$529
17	Geico	$1,329	$111
17	State Farm	$1,758	$147
17	Amica	$2,314	$193
17	Kemper	$2,432	$203
17	Nationwide	$2,662	$222
17	Progressive	$3,515	$293
17	Farmers	$4,346	$362
17	The Hanover	$4,208	$351
17	Allstate	$4,505	$375
18	Geico	$1,288	$107
18	State Farm	$1,527	$127
18	Amica	$2,112	$176
18	Kemper	$1,835	$153
18	Allstate	$3,120	$260
18	Progressive	$3,355	$280
18	Nationwide	$2,662	$222
18	Farmers	$3,869	$322
18	The Hanover	$3,827	$319
19	Geico	$1,122	$94
19	State Farm	$1,328	$111
19	Amica	$1,658	$138
19	Progressive	$1,733	$144
19	Allstate	$1,949	$162
19	Kemper	$1,495	$125
19	Farmers	$2,541	$212
19	Nationwide	$2,233	$186
19	The Hanover	$3,002	$250
20	Geico	$1,039	$87
20	State Farm	$1,170	$98
20	Allstate	$1,629	$136
20	Amica	$1,551	$129
20	Progressive	$1,569	$131
20	Kemper	$1,328	$111
20	Nationwide	$1,993	$166
20	Farmers	$2,418	$202
20	The Hanover	$2,610	$218
21	Geico	$702	$59
21	State Farm	$1,011	$84
21	Amica	$1,219	$102
21	Allstate	$1,274	$106
21	Progressive	$1,290	$108
21	Kemper	$1,123	$94
21	Nationwide	$1,284	$107
21	Farmers	$1,825	$152
22	Geico	$627	$52
22	State Farm	$925	$77
22	Allstate	$1,092	$91
22	Amica	$1,127	$94
22	Kemper	$1,003	$84
22	Progressive	$1,218	$102
22	Nationwide	$1,176	$98
22	Farmers	$1,479	$123
23	Geico	$525	$44
23	State Farm	$817	$68
23	Allstate	$1,015	$85
23	Kemper	$898	$75
23	Amica	$1,082	$90
23	Progressive	$1,097	$91
23	Nationwide	$1,088	$91
23	Farmers	$1,425	$119
24	Geico	$485	$40
24	State Farm	$744	$62
24	Allstate	$947	$79
24	Kemper	$908	$76
24	Progressive	$1,048	$87
24	Amica	$1,026	$86
24	Nationwide	$1,015	$85
24	Farmers	$1,405	$117
25	Geico	$362	$30
25	Kemper	$615	$51
25	State Farm	$676	$56
25	Amica	$837	$70
25	Allstate	$888	$74
25	Progressive	$938	$78
25	Nationwide	$899	$75
25	Farmers	$1,275	$106
30	Geico	$371	$31
30	Kemper	$585	$49
30	State Farm	$608	$51
30	Allstate	$755	$63
30	Amica	$759	$63
30	Nationwide	$814	$68
30	Progressive	$911	$76
30	Farmers	$956	$80
35	Geico	$371	$31
35	Kemper	$569	$47
35	State Farm	$604	$50
35	Allstate	$744	$62
35	Amica	$744	$62
35	Nationwide	$814	$68
35	Progressive	$917	$76
35	Farmers	$939	$78
40	Geico	$367	$31
40	Kemper	$564	$47
40	State Farm	$613	$51
40	Amica	$731	$61
40	Allstate	$732	$61
40	Nationwide	$814	$68
40	Progressive	$899	$75
40	Farmers	$930	$78
45	Geico	$363	$30
45	Kemper	$564	$47
45	State Farm	$617	$51
45	Amica	$713	$59
45	Allstate	$723	$60
45	Nationwide	$788	$66
45	Progressive	$894	$75
45	Farmers	$912	$76
50	Geico	$348	$29
50	Kemper	$551	$46
50	State Farm	$608	$51
50	Amica	$688	$57
50	Allstate	$721	$60
50	Nationwide	$750	$63
50	Progressive	$830	$69
50	Farmers	$874	$73
55	Geico	$348	$29
55	Kemper	$522	$44
55	State Farm	$595	$50
55	Amica	$665	$55
55	Allstate	$700	$58
55	Nationwide	$717	$60
55	Farmers	$819	$68
55	Progressive	$827	$69
60	Geico	$354	$30
60	Kemper	$516	$43
60	State Farm	$581	$48
60	Amica	$688	$57
60	Nationwide	$724	$60
60	Allstate	$708	$59
60	Farmers	$812	$68
60	Progressive	$830	$69
65	Geico	$376	$31
65	Kemper	$563	$47
65	State Farm	$581	$48
65	Amica	$708	$59
65	Allstate	$716	$60
65	Nationwide	$762	$64
65	Farmers	$873	$73
65	Progressive	$852	$71
70	Geico	$472	$39
70	State Farm	$613	$51
70	Kemper	$613	$51
70	Amica	$750	$63
70	Allstate	$800	$67
70	Nationwide	$834	$70
70	Farmers	$1,043	$87
70	Progressive	$892	$74
75	Geico	$553	$46
75	State Farm	$676	$56
75	Kemper	$693	$58
75	Amica	$799	$67
75	Allstate	$945	$79
75	Farmers	$1,117	$93
75	Nationwide	$892	$74
75	Progressive	$983	$82

Read our methodology

Connecticut minimum coverage cost by city

Bristol drivers pay the least for minimum coverage in Connecticut at $700. However, New Haven pay the most at $981.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Connecticut.

City	Average annual premium	Average monthly premium
Bristol	$700	$58
Danbury	$704	$59
Norwalk	$705	$59
Meriden	$744	$62
Stamford	$767	$64
New Britain	$780	$65
Waterbury	$895	$75
Bridgeport	$949	$79
Hartford	$959	$80
New Haven	$981	$82

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Optional car insurance coverage in Connecticut

Connecticut requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Connecticut car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Connecticut?

Yes, Connecticut requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UIMBI and UMBI 25/50.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Connecticut?

If you're caught driving without car insurance in Connecticut, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.