Connecticut's Mandatory Auto Insurance Requirements Explained

Required Coverage Types

Connecticut law mandates three core coverages for every registered vehicle: liability insurance, personal injury protection (PIP), and uninsured/underinsured motorist coverage. Liability insurance must meet minimum limits of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. PIP provides up to $25,000 per person for medical expenses, lost wages, and other related costs, regardless of fault. Uninsured/underinsured motorist coverage must match the liability limits, protecting you if the at‑fault driver lacks sufficient insurance.

Liability Insurance Details

Liability coverage splits into two components: bodily injury (BI) and property damage (PD). The state‑mandated minimums are $25,000 BI per person, $50,000 BI per accident, and $25,000 PD per accident. Drivers can purchase higher limits for added protection, especially if they own a newer or higher‑value vehicle.

Personal Injury Protection (PIP)

PIP is a no‑fault medical coverage that pays for the insured's medical bills, rehabilitation, and a portion of lost earnings up to $25,000 per person. It applies whether you caused the crash or not, and it can be combined with health insurance to reduce out‑of‑pocket costs. Some drivers opt for higher PIP limits if they have significant medical expenses or dependents.

Uninsured/Underinsured Motorist Coverage

This coverage mirrors the liability minimums—$25,000/$50,000 BI and $25,000 PD—and activates when the other driver has no insurance or insufficient coverage. It also extends to hit‑and‑run incidents, ensuring victims receive compensation even when the responsible party cannot be identified.

Optional but Common Add‑Ons

While not required, many Connecticut drivers add collision, comprehensive, and rental reimbursement policies. Collision covers damage to your own vehicle from a crash, and comprehensive protects against non‑collision events like theft, fire, or weather. These optional policies are often bundled for convenience and discount eligibility.

Comparison of Minimum vs. Recommended Limits