Connecticut Auto Insurance Requirements

Minimum Liability Coverage: 25/50/25

Connecticut mandates that all drivers carry minimum liability insurance. These limits represent the state's financial responsibility requirements.

Uninsured/Underinsured Motorist (UM/UIM)

Mandatory Coverage

Connecticut requires UM/UIM coverage at the following minimum limits:

Key Points

• UM/UIM is mandatory in Connecticut
• Protects you when the at-fault driver has no insurance or insufficient coverage
• Must equal your liability limits unless you elect lower coverage in writing
• Covers hit-and-run accidents

Connecticut's At-Fault (Tort) System

Connecticut is an at-fault state, meaning:

• The driver who caused the accident is responsible for damages
• Injured parties file claims against the at-fault driver's insurer
• Connecticut uses modified comparative negligence
• You cannot recover if you are 51% or more at fault
• Recovery is reduced by your percentage of fault

Personal Injury Protection (PIP) - Optional

Historical Context

Connecticut was previously a no-fault state but converted to an at-fault system in 1994.

Current Status

• PIP is not required in Connecticut
• Insurers must offer Medical Payments Coverage (MedPay) as an alternative
• MedPay covers medical expenses regardless of fault
• MedPay does not cover lost wages (unlike traditional PIP)

Proof of Insurance Requirements

Connecticut drivers must:

• Carry proof of insurance at all times
• Present proof upon request by law enforcement
• Electronic proof (smartphone) is accepted

Penalties for No Insurance

Exam Tip: Remember Connecticut's 25/50/25 liability minimums and mandatory UM/UIM at 25/50. Connecticut is an at-fault state - not no-fault - so PIP is optional.