Minimum Liability Coverage Limits — Connecticut
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What Connecticut Law Requires
You're here because you need to know the exact liability limits Connecticut requires to register a vehicle and drive legally. The state mandates $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage — written as 25/50/25. Connecticut also requires uninsured motorist coverage at the same limits.
If you're insuring two or more vehicles on one policy, those limits apply to the entire policy, not to each car individually. A household with three cars on one policy carries the same $50,000 per-accident cap as a single-car policy. That structural reality creates exposure most multi-vehicle households don't recognize until a claim exceeds the cap.
“Adding a third vehicle to your policy does not increase your liability limit — the $50,000 per-accident cap covers every car on the policy.”
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Connecticut Liability Minimums
Bodily injury per person, bodily injury per accident, and property damage per accident. These are the lowest limits you can carry and remain compliant with state law.
Connecticut General Statutes § 38a-334
How the Per-Policy Limit Works
The $50,000 bodily injury per-accident limit is the total your policy will pay for all injuries in a single accident, regardless of how many vehicles on your policy were involved. If you own three cars and one causes an accident injuring two people, your policy pays up to $25,000 per person and $50,000 total. The fact that you insure three vehicles does not triple the limit.
This differs from property damage coverage on your own vehicles. Collision and comprehensive coverage apply per vehicle — each car on your policy has its own coverage limit based on its value. Liability coverage, by contrast, is a single pool shared across every vehicle and every driver on the policy.
Households adding a second or third car often assume the liability limit scales with the number of vehicles. It does not. The exposure increases — more cars mean more opportunities for an at-fault accident — but the coverage cap stays flat.
Adding a third vehicle to your policy does not increase your liability limit. The $50,000 per-accident cap covers every car on the policy.
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Uninsured Motorist Coverage Requirement
Connecticut requires uninsured motorist coverage at the same 25/50/25 limits. This coverage pays for your injuries and your passengers' injuries when you're hit by a driver with no insurance or by a hit-and-run driver. It also covers you if the at-fault driver's liability limit is lower than your damages.
Uninsured motorist coverage applies per policy, just like liability. If you insure three vehicles and one is hit by an uninsured driver, your uninsured motorist coverage pays up to $25,000 per injured person and $50,000 per accident for everyone in your vehicle at the time. The fact that you own three cars does not increase the cap.
You can reject uninsured motorist coverage in writing, but most households with multiple vehicles keep it. Connecticut's uninsured rate is 11.8 percent — roughly one in nine drivers on the road carries no insurance. A household with three cars faces higher statistical exposure to an uninsured driver than a household with one.
11.8%
Connecticut Uninsured Motorist Rate
Approximately one in nine drivers in Connecticut carries no insurance. Households with multiple vehicles face proportionally higher exposure to uninsured-driver collisions.
Insurance Research Council, 2023
When Minimum Limits Create Exposure
A single serious accident can exceed Connecticut's minimum limits. Medical transport, emergency room treatment, and follow-up care for one injured person often surpass $25,000. If you cause an accident injuring two people, the $50,000 per-accident cap can be exhausted quickly. You are personally liable for any amount above the cap.
Households with multiple vehicles face higher statistical exposure because more cars mean more miles driven and more drivers on the policy. A household with three cars and three drivers generates roughly three times the accident exposure of a single-car household, but the liability cap remains the same. Adding a teenage driver or a driver with a recent violation increases exposure further.
Compare Carriers and Higher Limits
Connecticut licenses 19 carriers writing auto insurance in the state, including Allstate, Geico, Progressive, State Farm, Travelers, and USAA. Not every carrier offers the same rate for the same coverage. Households insuring multiple vehicles should compare quotes from at least three carriers, requesting identical coverage limits for each quote to ensure an accurate comparison.
Many households with two or more vehicles choose liability limits higher than the state minimum — commonly 100/300/100 or 250/500/100. Higher limits cost more per month but reduce personal exposure in a serious accident. The cost difference between minimum limits and 100/300/100 is often smaller for multi-vehicle policies than for single-car policies, because the per-policy structure spreads the incremental cost across several vehicles. Compare quotes at multiple limit levels to see the actual cost difference for your household.
What Each Limit Covers
Bodily injury per person ($25,000) is the maximum your policy pays for injuries to any single person in an accident you cause.
Bodily injury per accident ($50,000) is the total your policy pays for all injuries in a single accident, regardless of how many people are hurt. Using the same example, your policy pays $25,000 to each of two injured pedestrians, hitting the $50,000 per-accident cap. If a third person is injured in the same accident, your policy pays nothing for that person — you are personally liable for the excess. Property damage ($25,000) covers damage your vehicle causes to another person's car, fence, building, or other property in a single accident. It does not cover damage to your own vehicle.
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Get My Connecticut Car Insurance QuoteFrequently Asked Questions
Does Connecticut require liability insurance for every vehicle I own?
Connecticut requires proof of financial responsibility for every registered vehicle. Most households meet this requirement by adding all vehicles to one auto insurance policy carrying at least 25/50/25 liability limits. You can insure vehicles on separate policies, but each policy must meet the state minimum.
What happens if I cause an accident and the damages exceed my liability limit?
You are personally liable for any amount above your policy limit. The injured party can sue you for the excess and pursue your assets to collect.
Can I reject uninsured motorist coverage in Connecticut?
Yes, you can reject uninsured motorist coverage in writing. Your carrier will require a signed rejection form. Most households with multiple vehicles keep uninsured motorist coverage because Connecticut's uninsured rate is 11.8 percent and the cost is typically modest.
Do I need separate liability coverage for each car on my policy?
No. Liability coverage applies per policy, not per vehicle. A household with three cars on one policy carries one liability limit that covers all three vehicles. You do not buy separate liability coverage for each car.
How do I prove I meet Connecticut's insurance requirements?
Connecticut uses an electronic insurance verification system. Your carrier reports your coverage directly to the DMV. You must carry your insurance ID card in each vehicle. Police and DMV can verify your coverage electronically during a traffic stop or registration renewal.
Does adding a second vehicle to my policy increase my liability limit?
No. Adding a second or third vehicle does not change your liability limit. The limit applies to the entire policy. If you carry 25/50/25 limits and add a second car, your per-accident cap remains $50,000 for both vehicles combined.