Car insurance in Connecticut (25/50/25)
- Minimum car insuranceConnecticut requires at least $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability (or a $50,000 single limit). Uninsured/underinsured motorist coverage of at least $25,000/$50,000 is mandatory. PIP is not required. Source
- Fault systemConnecticut has been an at-fault (tort) state since it repealed its no-fault law in 1993. Source
Business insurance rules in Connecticut
- Workers’ compensationWith few exceptions, any Connecticut employer that regularly uses one or more paid employees must carry workers' comp, through a licensed insurer, self-insurance or group self-insurance. Deliberately failing to carry coverage or misclassifying employees as contractors is a class D felony. Source
- Contractor licensingHome improvement contractors must register with the Department of Consumer Protection and pay a yearly fee into the Home Improvement Guaranty Fund. The department can make a $15,000 bond a condition of issuing, renewing or reinstating a registration when there are grounds for discipline, but the Home Improvement Act does not set a general liability insurance requirement. Source
Home insurance in Connecticut
- Home insurer of last resortThe Connecticut FAIR Plan provides basic property insurance for owners who can't get coverage in the regular market. Source
High-value homes in Connecticut.
Disasters, floods, hail, tornadoes and earthquakes in Connecticut
| Measure | Connecticut | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 14 | #43 of 51 | Most often for severe storm (8), hurricane (4), snowstorm (1). New Haven County(in (P)MSA 1160,5480,8880) has been in 12 of them. |
| National Flood Insurance Program claims, 2005–2025 | 16,121 | #12 of 51 | $456.9 million paid; 22% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 50% | #8 of 50 | 15,727 policies for 31,234 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 102 | #43 of 51 | 2 of them 2 inches or larger. Largest stone 2.5 inches, Hartford County, May 2018. |
| Tornadoes, 2016–2025 | 31 | #38 of 51 | 0 rated EF2 or stronger; 127 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 0 | — | None of magnitude 4.0 or greater recorded in or near the state. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Connecticut.
Worth knowing in Connecticut
A 2023 legislative research report lists Connecticut among the 14 states that require underinsured motorist coverage, on top of uninsured motorist coverage. State law also set up contractor training for repairing and replacing concrete foundations that have deteriorated from the mineral pyrrhotite.
Connecticut’s insurance regulator
Insurance in Connecticut is regulated by the Connecticut Insurance Department, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Connecticut (NPN 21022298), so requests from Connecticut are handled by him directly.
Common questions
What is the minimum car insurance in Connecticut?
Connecticut requires at least $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage liability (or a $50,000 single limit). Uninsured/underinsured motorist coverage of at least $25,000/$50,000 is mandatory. PIP is not required.
Is Connecticut a no-fault state?
Connecticut has been an at-fault (tort) state since it repealed its no-fault law in 1993.
Do employers in Connecticut need workers’ comp?
With few exceptions, any Connecticut employer that regularly uses one or more paid employees must carry workers' comp, through a licensed insurer, self-insurance or group self-insurance. Deliberately failing to carry coverage or misclassifying employees as contractors is a class D felony.
What can a Connecticut homeowner do if no insurer will write the house?
The Connecticut FAIR Plan provides basic property insurance for owners who can't get coverage in the regular market.
Sources
- Connecticut: Minimum car insurance
- Connecticut: Fault system
- Connecticut: Workers’ compensation
- Connecticut: Home insurer of last resort
- Connecticut: Contractor licensing
- Connecticut: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.