Connecticut- Auto Insurance

Depending on where you live, you may be responsible for more liability coverage, mandatory insurance, and specific obligations related to carrying documentation in your vehicle.

Guidelines

  • If you have a vehicle and that will be operated on a public road, it must be registered and insured.
  • You cannot register your vehicle without proof of insurance, and you must keep that proof in the vehicle. Failing to submit proof of insurance to an officer will result in a citation.
  • For Connecticut, the minimum s are $20,000 for an individual’s injuries and $40,000 for all injuries sustained in an accident; and at least a $10,000 property damage maximum for one accident.
  • The state of Connecticut is notified every time an insurance policy is canceled. The state will send you an immediate request for proof of insurance; if you do not respond, you could be fined $200 and your vehicle’s registration could be suspended. If you fail to pay the fine and rectify the situation, the state can revoke your ability to register vehicles in the future.

Contact:

Connecticut Insurance Department
Physical Address:
153 Market Street
Hartford, CT 06103
Mailing address:
PO Box 816
Hartford CT 06142-0816
Phone: 1-860-297-3800
Toll Free: 1-800-203-3447 (In-State)
Fax: 1-860-566-7410

Web Site: www.ct.gov/cid/site

Connecticut (CT) Mandatory Auto Insurance Minimums:

  • Liability: 20/40/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Other Mandatory Insurance: Underinsured Motorist and Uninsured Motorist
  • Regulations Regarding Proof of Insurance: Proof Required – When Obtaining Registration,
    If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory Insurance: Registration suspension

Inside Connecticut- Auto Insurance