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Connecticut Minimum Car Insurance and Penalties for Driving Without It
The short answer
Connecticut requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: UM/UIM at liability minimums.
Connecticut at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25) |
|---|---|
| Other required coverage | Uninsured and underinsured motorist coverage is required in every policy, with bodily injury limits at least equal to the liability minimums. |
| First offense for driving uninsured | A first conviction carries a fine of $100 to $1,000. Your registration and driver license are suspended for one month, and the license is not restored until you show proof of insurance on each registered vehicle. |
| Repeat offense | A second or later conviction carries the same $100 to $1,000 fine and a six-month suspension of your registration and license. |
| Fee to restore after a lapse | Not confirmed on a state source; ask the agency |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Connecticut?
Connecticut requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25). Other required coverage: UM/UIM at liability minimums.
What happens if you drive without insurance in Connecticut?
A first conviction carries a fine of $100 to $1,000. Your registration and driver license are suspended for one month, and the license is not restored until you show proof of insurance on each registered vehicle.