Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Connecticut

Insurance Requirements for Car Registration in Connecticut

All Connecticut drivers are required to carry automotive insurance, or “financial responsibility,” in order to operate a vehicle legally and maintain vehicle registration. The current laws state that you must retain three types of insurance in order to drive legally: liability, uninsured motorist, and property damage.

The minimum financial responsibility requirements for private individuals under Connecticut law is as follows:

  • A minimum of $20,000 per person for liability, to cover bodily injury or death. This means you’ll need to carry a minimum of $40,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $10,000 for property damage

  • A minimum of $40,000 for uninsured or under-insured motorists

This means that the total minimum amount of financial responsibility you will need is $90,000 for all three types of required mandatory insurance coverage.

Proof of insurance

If at any point you must provide proof of insurance, Connecticut only accepts these documents as acceptable proof:

  • The permanent insurance card from your authorized insurance provider

  • The declaration page from your insurance policy

  • An SR-22 Certificate of Financial Responsibility, which is a specific type of proof of insurance that is required only from drivers who have previously been convicted of reckless driving.

If you do not carry a proof of insurance card with you when you are operating a vehicle, you could face a $35 fine, which increases to $50 for subsequent offenses.

Violation penalties

If you operate a vehicle in Connecticut without insurance, you could face several types of penalties:

  • A fine of anywhere between $100 and $1,000 for passenger vehicles, as well as a one-month suspension of the registration and your driver’s license.

  • A fine of up to $5,000, and possible imprisonment for up to five years, for commercial vehicles.

  • Repeat offenders may have their registration and license suspended for up to six months.

In order to clear your registration of a suspension, you’ll have to present acceptable proof of insurance, and pay a $200 restoration fee.

If you fail to maintain insurance on your vehicle in Connecticut, you could also face these penalties:

  • A class C misdemeanor charge

  • A fine of up to $500

  • Imprisonment for up to three months

If you fail to respond to a request from the DMV to prove that you carried the proper insurance, your car could be towed, and you could have your license suspended. The DMV is alerted monthly by all auto insurance providers in the state of any changes to insurance policies held by Connecticut drivers.

The only time it is acceptable to not carry insurance on a vehicle is when you have turned in your marker plates to be placed on hold, typically during a time when your car is being restored or is in storage for a season.

For more information, contact the Connecticut DMV through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

Insurance Requirements for Car Registration in Kentucky
The Kentucky Transportation Cabinet requires that all drivers in Kentucky carry liability automotive insurance, or “financial responsibility” in order to operate a vehicle legally and maintain vehicle...
What are the Car Pool Rules in Hawaii?
Hawaii is widely regarded as a land of vacation and relaxation, and as such, its scenic roads and routes are far better known than the state’s freeways. But, as with all...
P2428 OBD-II Trouble Code: Exhaust Gas Temperature Too High Bank 1
P2428 code definition A P2428 trouble code signifies that the PCM has detected a problem in the exhaust gas temperature sensor circuit in bank 1, which subsequently contains the number one...


Related questions

Q: My 2003 Subaru WRX crashed and my insurance is giving me two options.

I would recommend taking the $6000 and getting another car with the money. The body damage is only an estimate of the damages the body shop can see and estimate. There is always hidden damage the body shop cannot see...

Q: Advice on buying the first car

Unfortunately, I don't want to jinx you, but the first car people get is the first car they wreck. I would say get a nice, used Toyota. You pay less, your insurance will be a lot cheaper. As time goes...

Q: What is "diminished value" as it refers to a totaled car?

Hi, thanks for writing in. The insurance company can use "diminished value" for a number of reasons. The overall condition of the vehicle not including the wreck, above average mileage, etc. I would ask them what criteria they are using...