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Connecticut is an at-fault (tort) state. Drivers must carry at least 25/50/25 in coverage, and the average full-coverage premium is $3,874 a year, 33% above the national average of $2,922. This guide covers what Connecticut requires, what drivers pay, the rules on fault, uninsured drivers, penalties, teen drivers and phone use, and how to pay less.
| Minimum coverage | 25/50/25 |
| Fault system | At-fault (tort) |
| Average full coverage | $3,874 a year ($323 a month), 33% above the national average of $2,922 |
| Uninsured drivers | 11.8% (2023), the 29th highest rate of 51 |
| Filing after serious violations | SR-22 |
Connecticut requires $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability (the minimums in effect since January 1, 2018) (Connecticut General Assembly, Office of Legislative Research, "Penalties for Driving Without Auto Insurance" (2017-R-0315)).
| Uninsured/underinsured motorist | Connecticut policies include uninsured/underinsured motorist coverage, normally equal to your bodily injury liability limits; you can buy up to double that amount. |
The minimums are a legal floor, not a recommendation. Property damage limits in particular don't go far when a new car can cost more than the limit to replace, and anything above your limits is your personal responsibility. See how limits and deductibles work and every type of coverage explained.
The average full-coverage premium in Connecticut is $3,874 a year, 33% above the national average of $2,922. That makes Connecticut the 3rd most expensive of 49 (48 states plus D.C.; Alaska and Hawaii aren't in the data) (Experian, "Car Insurance Average Costs by State," published September 9, 2026; full coverage, 12 months to August 2026).
Within Connecticut, prices still vary a lot by ZIP code, driving record and car, and 11.8% of drivers on Connecticut roads were uninsured in 2023, so the coverage you choose matters as much as the premium.
Your own price depends on your ZIP code, age, driving record, car and coverage. Try our car insurance calculator with Connecticut preselected for a personal estimate, and see what determines your car insurance cost.
Connecticut uses modified comparative fault with a 51% bar: your damages are reduced by your share of the blame, and you recover nothing if you are more than 50% at fault. (Matthiesen, Wickert & Lehrer, "Contributory Negligence/Comparative Fault Laws in All 50 States," updated June 10, 2026)
An estimated 11.8% of Connecticut drivers were uninsured in 2023, the 29th highest rate among the 50 states and D.C. (Insurance Research Council, uninsured motorist estimates for 2023, via Insurance Information Institute "Facts + Statistics: Uninsured motorists"). Uninsured and underinsured motorist coverage protects you when one of them hits you. See coverage types.
Insurers report coverage to the Connecticut DMV, which can suspend the registration of an uninsured vehicle. Failing to carry proof of insurance is a separate infraction with a $50 fine (about $117 with fees). An owner who doesn't contest an insurance violation may be able to settle it with a $200 civil penalty instead of a registration suspension. (Connecticut General Assembly, Office of Legislative Research; Connecticut DMV, "Compliance issues")
Driving an uninsured vehicle carries a fine of $100 to $1,000, and the DMV must suspend the owner's registration and driver's license for one month on a first conviction and six months on a later one. Police can also confiscate plates and impound an uninsured vehicle whose registration is suspended. (Connecticut General Assembly, Office of Legislative Research, "Penalties for Driving Without Auto Insurance")
A conviction for driving uninsured also follows you into your next policy. In CarInsurance.com's rate analysis, it raised the average full-coverage premium in Connecticut from $1,725 to $2,195 a year, an increase of 27% (CarInsurance.com, "Penalty for driving without insurance in every state," updated March 24, 2026; rate analysis).
Beyond the penalties, driving uninsured leaves you personally liable for any damage you cause. See what happens if you drive without car insurance.
Connecticut uses the SR-22 for drivers who must prove future financial responsibility, typically after certain suspensions.
Connecticut uses graduated driver licensing (Insurance Institute for Highway Safety, "Graduated licensing laws" table):
Adding a teen is usually the biggest single increase in a family's premium. Keeping them on the family policy, a good-student discount and a safe, modest car help most.
A distracted-driving ticket can count against your record and your premium. (Insurance Institute for Highway Safety, "Electronic device laws" table)
See how to compare car insurance quotes, or get quotes for your ZIP code.
For questions about a policy, a claim or an insurer's conduct, contact the Connecticut Insurance Department. It handles consumer questions and complaints about insurers in Connecticut.
AutoInsuranceQuery editorial team. Last reviewed: September 29, 2026.
