Connecticut Minimum Liability Limits — What They Mean
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What Connecticut Requires You to Carry
Connecticut requires every registered vehicle to carry liability insurance with minimum limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. The state also mandates uninsured motorist coverage at the same 25/50/25 limits. These are the floor amounts that allow you to register a vehicle and legally drive.
When you insure multiple vehicles on one policy, each vehicle carries the same liability limits. The limits apply per accident, not per vehicle.
“Connecticut's minimum limits apply per accident, not per vehicle — a three-car policy does not triple your liability coverage.”
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Get My Connecticut Car Insurance Quote25/50/25
Connecticut Liability Minimum
Bodily injury coverage pays $25,000 per person injured in an accident you cause, up to $50,000 total per accident. Property damage coverage pays up to $25,000 for damage to another person's vehicle or property.
Connecticut DMV
The Numbers Break Down Per Accident, Not Per Vehicle
The first number — $25,000 — is the maximum your liability policy pays for injuries to one person in an accident you cause.
The third number — $25,000 for property damage — covers the other driver's vehicle, a fence you hit, a guardrail, or any physical property you damage. It does not cover your own vehicle. That requires collision coverage, which is optional unless a lender requires it.
When you add a second or third vehicle to your policy, the limits do not stack. Three cars on a 25/50/25 policy still pay a maximum of $25,000 per injured person and $50,000 per accident. The policy limit is shared across every vehicle you insure.
Connecticut's minimum limits apply per accident, not per vehicle. A multi-car policy does not multiply your liability coverage.
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Uninsured Motorist Coverage Is Mandatory in Connecticut
Connecticut requires uninsured motorist coverage at the same limits as your liability policy. If you carry 25/50/25 liability, you must also carry 25/50/25 uninsured motorist. This coverage pays your medical bills and lost wages when another driver causes an accident and has no insurance or insufficient coverage.
With 11.8% of Connecticut motorists uninsured, the mandatory uninsured motorist requirement protects you when the at-fault driver cannot pay. The coverage applies to every vehicle on your policy and every household member listed as a driver.
You can increase uninsured motorist limits above the state minimum. Many households with multiple vehicles raise uninsured motorist coverage to 100/300 or higher while keeping liability at the minimum. The uninsured motorist increase costs less than raising liability limits and protects your household without increasing exposure to liability claims.
11.8%
Connecticut Uninsured Motorist Rate
Nearly one in eight Connecticut drivers has no insurance. Uninsured motorist coverage is your household's protection when an at-fault driver cannot pay for injuries or vehicle damage.
Insurance Research Council, 2023
Why Multi-Car Households Often Raise Limits Above the Minimum
A household with multiple vehicles often has higher liability exposure than a single-car household. Two or three drivers sharing vehicles means more time on the road, more accident opportunities, and more situations where the at-fault driver is a household member on your policy. The 25/50/25 minimum covers minor accidents but exhausts quickly in serious collisions.
Raising liability limits to 100/300/100 or 250/500/100 costs less than most households expect. Carriers price liability coverage based on household risk, not per-vehicle exposure, so the incremental cost of higher limits is lower on a multi-car policy than on separate single-car policies.
Compare Carriers That Write Multi-Car Policies in Connecticut
Connecticut has 19 carriers writing auto insurance for multi-vehicle households. Not every carrier offers the same multi-car discount structure, and not every carrier writes all vehicle types or all driver profiles. Compare quotes from at least three carriers, requesting the same liability limits and coverage structure on each quote so the comparison reflects actual pricing differences, not coverage mismatches.
Use Connecticut's online comparison tools or work with an independent agent who writes multiple carriers. Request quotes at both the state minimum and at 100/300/100 liability limits. The cost difference tells you whether raising limits fits your household budget, and the carrier spread shows which insurer prices your specific vehicle and driver combination most competitively.
Connecticut Does Not Use SR-22 Filings
Other states use SR-22 filings to track high-risk drivers after violations. Connecticut abandoned that system. The Commissioner of Motor Vehicles can require proof of financial responsibility under §14-112, but that proof takes the form of a certificate of insurance, surety bond, or cash deposit — not an SR-22. The requirement is discretionary, not automatic, and removable after 12 months.
For households insuring multiple vehicles, this means no filing surcharge, no elevated minimum limits after a violation, and no carrier restrictions based on SR-22 capability. Connecticut's minimum liability limits remain 25/50/25 regardless of driving history. Compliance is verified electronically when you register or renew a vehicle.
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Get My Connecticut Car Insurance QuoteFrequently Asked Questions
Do I need higher liability limits if I insure three cars on one policy?
Connecticut's 25/50/25 minimum applies per accident, not per vehicle. Three cars on one policy share the same $25,000-per-person and $50,000-per-accident limits. Many multi-car households raise liability to 100/300/100 or higher because more vehicles means more road exposure and higher accident probability.
Does Connecticut require SR-22 insurance after a DUI?
No. Connecticut does not use SR-22 certificates. The state monitors insurance compliance electronically through the §14-112a Online Insurance Verification System. After a violation, the Commissioner may require proof of financial responsibility, but that proof is discretionary and takes the form of a certificate of insurance or bond, not an SR-22.
What does uninsured motorist coverage pay for in Connecticut?
Uninsured motorist coverage pays your medical bills, lost wages, and pain-and-suffering damages when an at-fault driver has no insurance or insufficient coverage. Connecticut requires uninsured motorist at the same limits as your liability policy. With 11.8% of Connecticut drivers uninsured, this coverage protects your household when the other driver cannot pay.
Can I insure multiple cars with different liability limits on the same policy?
No. Liability limits apply to the policy, not to individual vehicles. Every car on your Connecticut auto policy carries the same liability coverage. If you need different limits for different vehicles, you must place them on separate policies.
How much does it cost to raise liability limits on a multi-car policy in Connecticut?
The cost difference between 25/50/25 minimum liability and 100/300/100 on a multi-car policy varies by carrier, household driving history, and location. Request quotes at both limit levels from three carriers to compare actual pricing for your household.