2026 Connecticut Car Insurance Calculator

Connecticut requires 25/50/25 liability minimums, plus $25,000/$50,000 in Uninsured Motorist coverage and $25,000/$50,000 in Underinsured Motorist coverage. Connecticut's mandatory UM and UIM requirements make it one of the more comprehensively protected states in New England by default.

Yes, Connecticut mandates both UM and UIM coverage at 25/50 minimums. This dual requirement ensures that whether the at-fault driver has no insurance or too little insurance, your own policy fills the gap for your medical costs and other damages.

Hartford has historically been one of the most expensive mid-sized city insurance markets in the Northeast. Vehicle theft rates in Hartford County are among the highest in New England, the city has a high concentration of uninsured drivers and its courts produce active personal injury litigation. Hartford is also the insurance capital of the United States, home to many of the nation's largest insurers, yet that proximity does not translate into lower rates for local drivers.

Driving without insurance in Connecticut results in a fine of $100–$1,000 for a first offense and license suspension for one month. Reinstatement requires proof of current insurance and a $175 reinstatement fee. Subsequent offenses carry higher fines and longer suspensions. Connecticut uses an electronic verification system and insurers report policy cancellations to the DMV promptly.