What is the state requirement for auto insurance in Connecticut?

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Auto insurance in Connecticut is mandatory for all registered vehicles. To comply, you must carry the following amounts of liability insurance coverage:

  • $20,000 of bodily injury or death for one person in an accident.
  • $40,000 of bodily injury or death for more than one person in an accident.
  • $10,000 of property damage coverage in an accident.
These figures represent the bare minimum amount of protection. You are free to carry higher amounts of car insurance coverage. Personal injury protection (PIP), or what many refer to as no-fault insurance, is not mandatory in CT, but some insurance providers do offer PIP as additional protection.

Providing Proof of CT Auto Insurance

All insurance companies, by law, must immediately notify the DMV whenever a car insurance policy is cancelled. A "warning notice" is then sent by the DMV, demanding proof of insurance and payment for a $200 insurance compliance fine. Failure to respond after 30 days results in a suspension notice.

When driving you must always carry an insurance identification card with the following information:

  • Insurance company name.
  • Name of person on the vehicle's registration certificate.
  • Car insurance policy number.
  • Coverage date.
  • Car's make, model, and vehicle identification number (VIN).

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