Connecticut Mandates Uninsured Motorist Coverage
Connecticut requires uninsured motorist coverage on every auto insurance policy. Unlike most states where UM coverage is optional, Connecticut law makes it mandatory unless you explicitly reject it in writing. If you're insuring two or more vehicles on one policy, you need to understand how this requirement works across your household.
The mandate exists because 11.8% of Connecticut motorists drive without insurance. That's roughly one in nine drivers on the road. When an uninsured driver hits your car, UM coverage pays for injuries and vehicle damage your liability coverage won't touch. The requirement applies to every policy, but the way it structures across multiple vehicles is not obvious.
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Get Your Free QuoteConnecticut Uninsured Motorist Rate
11.8%
Uninsured motorist coverage closes that gap.
Insurance Information Institute, 2023
How the Requirement Applies to Multi-Vehicle Policies
Uninsured motorist coverage attaches to the policy, not to individual vehicles. When you insure three cars on one Connecticut policy, you pay one UM premium that covers all three vehicles and every household member listed on the policy. Adding a fourth vehicle to that same policy does not add a separate UM charge.
The coverage follows the person and the vehicle. If your spouse is driving one of your household cars and gets hit by an uninsured driver, the UM coverage on your policy responds. If your teenager borrows a friend's car and is injured by an uninsured motorist, your policy's UM coverage can still apply as secondary protection.
This structure creates an advantage for households consolidating multiple vehicles onto one policy. Two separate policies mean two separate UM premiums. One policy covering four cars means one UM premium. The multi-car discount compounds this benefit, but the UM mandate is the structural driver.
Connecticut's UM mandate is per-policy, not per-vehicle. Splitting your household's cars across two policies doubles your UM premium without adding protection.
What Connecticut's UM Coverage Actually Pays
Uninsured motorist bodily injury covers medical bills, lost wages, and pain and suffering when an at-fault driver has no insurance or flees the scene. Connecticut sets the minimum UM bodily injury limit at $25,000 per person and $50,000 per accident, matching the state's liability minimum. You can buy higher limits, and many carriers recommend matching your UM limits to your liability limits so you're protected to the same degree you protect others.
Uninsured motorist property damage covers vehicle repair or replacement when an uninsured driver damages your car. Connecticut requires this coverage unless you reject it. Hit-and-run claims where the driver is never found do not qualify under Connecticut's UMPD rules unless you carry collision coverage, which has no identification requirement.
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Rejecting UM Coverage in Connecticut
Connecticut allows you to reject uninsured motorist coverage, but the rejection must be in writing and signed. Carriers cannot sell you a policy without UM coverage unless you explicitly waive it. The rejection form is separate from the policy application and must be completed each time you renew or change carriers.
Most households insuring multiple vehicles do not reject UM coverage. The cost is modest compared to liability and collision, and the uninsured motorist rate in Connecticut is high enough that the exposure is real. Rejecting UM to lower your premium leaves you personally liable for medical bills and vehicle damage when an uninsured driver is at fault.
If you reject UM coverage and later want to add it back, you can do so at renewal or by requesting a policy endorsement mid-term. The carrier will re-rate your policy to include the UM premium, but there is no penalty for changing your election.
Connecticut Minimum UM Bodily Injury
$25,000 / $50,000
Connecticut's mandatory uninsured motorist bodily injury minimum matches the state's liability minimum: $25,000 per person, $50,000 per accident. Higher limits are available and recommended for households with multiple vehicles and drivers.
Connecticut General Statutes
Underinsured Motorist Coverage
Connecticut also requires underinsured motorist coverage, which pays when the at-fault driver carries insurance but their liability limit is too low to cover your damages.
Underinsured motorist coverage is structured the same way as uninsured motorist coverage: it attaches to the policy and covers every vehicle and listed driver. Adding vehicles to your policy does not increase the UIM premium. The minimum UIM limit in Connecticut is $25,000 per person and $50,000 per accident, but you can purchase higher limits to match your liability coverage.
Compare Carriers Writing Multi-Vehicle Policies in Connecticut
Nineteen carriers write auto insurance in Connecticut, and all must offer uninsured and underinsured motorist coverage on every policy. UM and UIM premiums vary by carrier, even though the coverage is standardized by state law. When you're insuring multiple vehicles, comparing carriers on total policy cost rather than per-vehicle cost shows you the true difference.
Request quotes that include the state-mandated UM and UIM coverage at the minimum limits, then compare the option to raise those limits to match your liability coverage. Carriers price UM and UIM differently, and the gap widens when you increase limits. A carrier with a competitive liability rate may charge more for UM, or vice versa. The only way to know is to compare the full policy cost across your household's vehicles.