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Connecticut Auto Insurance 
Connecticut was a no fault state from 1973 to 1991. They have since repealed their no-fault law.
Connecticut currently has some of the highest auto insurance rates in the country. In Connecticut you're financially responsible for the damage and injury you cause in an auto accident. Liability protection insures you for these potential expenses, and is mandatory in Connecticut.
Connecticut minimum liability limits; $20,000 per person for injuries you cause to the other parties, $40,000 total per accident, and $10,000 for damage you cause to the other party's property. The minimum limit required by Connecticut for uninsured motorist(UM) and underinsured motorist (UIM) coverage is $20,000 per person and $40,000 per accident. Consider other options such as medical payments, blanket unbrella, collision, comprehensive, and bodily injury coverage.
If you are convicted of DUI in Connecticut (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to go the Connecticut Automobile Insurance Assigned Risk Plan. It was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
| State minimums |
Bodily injury liability / person |
Bodily injury liability / accident |
Property damage / accident |
Medical coverage (PIP) |
Uninsured motorist |
| Connecticut |
$20,000 |
$40,000 |
$10,000 |
$0 |
$20k / person, $40k / accident |
Proof of insurance is required when you register your car, to be kept at all times in vehicle, and especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Your insurer must also submit entire list of insurance in effect, which may be compared with registrations at a state agency. Penalties for driving without insurance in Connecticut are registration/license suspension/revocation, confiscation of plates, vehicle impoundment, and/or $110-$250 fine.
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