Auto insurance · Connecticut

Connecticut minimum car insurance: is it really enough?

October 2026 · 4 min read

Connecticut law requires every driver to carry at least 25/50/25 liability coverage — $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. Uninsured/underinsured motorist coverage at matching limits is required too.

That keeps you legal. The harder question: does it keep you protected?

What $25,000 actually covers

Not as much as it sounds. A single emergency-room visit plus a few follow-ups can approach five figures. If you injure two people, the $50,000 per-accident cap splits fast. And $25,000 in property damage won't replace many vehicles on CT roads today.

When damages exceed your limits, you are personally on the hook for the rest — your savings, and in serious cases, future wages.

Why so many CT drivers carry only minimums

Usually it's price — or the assumption that higher limits cost far more than they do. In practice, moving from state minimums to 100/300/100 often costs less per month than a streaming subscription or two. The jump from minimum to meaningful protection is one of the cheapest upgrades in insurance.

The honest answer

Minimums make sense in exactly one situation: you're judgment-proof with no assets to protect and you understand the risk. For homeowners, parents, business owners, and anyone with savings — minimums are a gamble where you risk everything to save a little.

Want to know what the right limits look like for your situation and what they'd actually cost? That's a free 10-minute conversation.