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Uninsured Motorist Coverage — Connecticut

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Connecticut Requires Uninsured Motorist Coverage on Every Policy

You're adding a second or third car to your Connecticut auto policy and the carrier presents uninsured motorist coverage as a new line item with its own premium. You already carry UM on the existing vehicles. The question: are you paying for duplicate coverage, or does each vehicle need its own UM protection?

Connecticut law mandates uninsured motorist coverage on every auto insurance policy issued in the state. The requirement attaches to the policy itself, not to individual vehicles. When you add a car to an existing policy that already carries UM, you're not buying a second UM policy—you're extending the existing coverage to protect occupants of the newly added vehicle. The premium adjusts because the insurer now covers more exposure, but the mandate is satisfied once at the policy level.

“Connecticut's UM requirement attaches to the policy, not individual vehicles—one coverage protects every car you add.”

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11.8%

Connecticut Uninsured Motorist Rate

UM coverage steps in when that driver hits you.

Insurance Information Institute, 2023

What Uninsured Motorist Coverage Actually Pays

Uninsured motorist coverage pays your medical bills, lost wages, and pain-and-suffering damages when an at-fault driver has no insurance. It also covers you if the at-fault driver flees the scene and cannot be identified. Connecticut's mandatory UM limits mirror the state's minimum liability requirements: $25,000 per person and $50,000 per accident for bodily injury.

The coverage protects every person listed on your policy and any household member driving a covered vehicle. If your teenager drives the family sedan and is hit by an uninsured driver, UM pays their medical costs up to the policy limit. If you're injured as a passenger in someone else's car and that driver is uninsured, your own UM coverage can pay your claim.

UM does not cover vehicle damage in Connecticut. Property damage from an uninsured driver is handled by your collision coverage if you carry it, or you pursue the at-fault driver directly. The mandatory UM requirement applies only to bodily injury.

Declining UM coverage in Connecticut requires your written signature on a rejection form. Verbal declination or an unsigned quote does not satisfy the statutory waiver requirement.

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Rejecting Coverage Requires a Signed Waiver

Connecticut allows you to decline uninsured motorist coverage, but the rejection must be in writing. The insurer must offer UM at limits equal to your liability coverage, and you must sign a form explicitly rejecting it. A verbal declination over the phone or an unsigned online quote does not satisfy the statutory requirement.

Most multi-car households accept the mandated UM coverage because the premium is modest relative to the protection it provides. Declining UM saves a small amount per month but leaves you personally liable for medical bills and lost income if an uninsured driver causes a serious crash. Given Connecticut's 11.8% uninsured motorist rate, the risk of encountering an uninsured driver is material.

If you rejected UM on a prior policy and now want to add it when insuring additional vehicles, contact your carrier. You can add UM mid-term; it does not require waiting for renewal. The coverage takes effect on the date the endorsement is processed.

$25,000 / $50,000

Connecticut Minimum UM Limits

Connecticut mandates UM coverage at $25,000 per person and $50,000 per accident, matching the state's minimum liability requirements. You can purchase higher UM limits to match higher liability coverage.

Connecticut General Statutes

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Underinsured Motorist Coverage Is Optional

Connecticut also offers underinsured motorist coverage, which pays when the at-fault driver carries liability insurance but their limits are too low to cover your damages. UIM is not mandatory. Carriers must offer it, but you can decline without a signed waiver.

UIM works in tandem with UM. UIM is particularly valuable for households with multiple vehicles because the risk of a serious multi-vehicle crash increases with the number of cars you own and drivers you insure.

Compare Carriers That Write Multi-Car Policies in Connecticut

Uninsured motorist premiums vary by carrier, even for identical coverage limits. When you're structuring coverage for multiple vehicles, compare quotes from carriers that write multi-car policies in Connecticut. Allstate, Geico, Progressive, State Farm, Travelers, and USAA all write multi-vehicle policies in the state and include the mandatory UM coverage in their quotes.

Request quotes with UM limits that match your liability coverage. The incremental cost is small, and higher UM limits protect you more fully when an uninsured driver causes a severe crash. Compare the total premium across carriers, not just the UM line item—base rates vary more than UM pricing, and a carrier with a slightly higher UM charge may still deliver the lowest total cost for your household's vehicles.

How the Mandate Applies Across Multiple Vehicles

Connecticut's UM requirement is policy-level, not vehicle-level. Once your policy carries the mandated coverage, every car on that policy is protected.

When you add a second vehicle to an existing Connecticut policy, the carrier recalculates the UM premium to reflect the additional exposure—more vehicles mean more potential claims—but you are not buying a separate UM policy for the new car. The single UM line on your declarations page now covers occupants of both vehicles. If your household owns three cars on one policy, all three are protected by the same UM coverage limit.

Some carriers present the UM charge as a per-vehicle line item on billing statements, which creates the appearance of separate coverage for each car. That presentation is an accounting convention. The coverage itself is unified at the policy level. If you carry $25,000 per person UM and two household members are injured in separate crashes with uninsured drivers on the same day, each claim is subject to the per-person limit, but both are paid from the same policy coverage.

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Frequently Asked Questions

Does each vehicle on my Connecticut policy need separate uninsured motorist coverage?

No. Uninsured motorist coverage applies at the policy level in Connecticut, not per vehicle. One UM line covers all vehicles on the policy. When you add a car, the UM premium adjusts to reflect additional exposure, but you're not buying duplicate coverage.

Can I decline uninsured motorist coverage in Connecticut?

Yes, but only with a signed written rejection form. Connecticut law requires insurers to offer UM coverage at limits equal to your liability coverage. Declining it verbally or leaving it off an unsigned quote does not satisfy the statutory waiver requirement.

What does Connecticut's mandatory uninsured motorist coverage pay for?

UM pays your medical bills, lost wages, and pain-and-suffering damages when an at-fault driver has no insurance or flees the scene. Connecticut's mandatory UM limits are $25,000 per person and $50,000 per accident. It does not cover vehicle damage.

Is underinsured motorist coverage required in Connecticut?

No. Underinsured motorist coverage is optional in Connecticut. Carriers must offer it, but you can decline without a signed waiver. UIM pays when the at-fault driver's liability limits are too low to cover your damages.

How much does uninsured motorist coverage cost for multiple vehicles in Connecticut?

UM premiums vary by carrier and household exposure. The cost increases when you add vehicles because the insurer covers more potential claims, but the incremental cost per additional car is typically modest. Compare quotes from multiple carriers to find the lowest total premium for your household.

Can I add uninsured motorist coverage mid-term when I add a vehicle?

Yes. If you previously rejected UM and now want to add it when insuring additional vehicles, contact your carrier. UM coverage can be added mid-term and takes effect on the endorsement processing date. You don't need to wait for policy renewal.