Auto Insurance 101: Connecticut’s Liability Minimums and Why They Might Not Be Enough

If you’re a Connecticut driver, you’re legally required to carry a minimum level of auto insurance. The state mandates the following liability minimums:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $25,000 for property damage per accident

These limits are designed to cover injuries or damages you cause to others in an accident, not your own vehicle or medical expenses.

While these minimums satisfy Connecticut law, they often fall short in real-world situations:

• Rising Medical and Repair Costs: Hospital bills and vehicle repairs can easily exceed the minimum coverage, especially after a serious accident. Many personal injury claims surpass $100,000, leaving drivers with state-minimum coverage responsible for significant out-of-pocket expenses.
• Legal Fees: If you’re sued after an accident, legal costs can quickly add up, and the minimum coverage may not be sufficient to protect your assets.
• Property Damage: Modern vehicles and property repairs are expensive. The $25,000 property damage minimum may not cover the full cost if multiple vehicles or structures are involved.
• Uninsured/Underinsured Motorists: Connecticut requires uninsured/underinsured motorist coverage at the same minimums, but these may not be enough if you’re hit by someone with little or no insurance.

Imagine causing a multi-car accident where three people are injured and two vehicles are totaled. Medical bills alone could exceed $150,000, and property damage could surpass $50,000. With only the minimum coverage, you’d be responsible for the difference—potentially tens of thousands of dollars out of pocket.

As an experienced auto insurance agency CT drivers trust, Insurance Near Me CT strongly recommends:

• Increasing Liability Limits: Consider raising your coverage to at least $100,000/$300,000 for bodily injury and $100,000 for property damage. This provides a much stronger financial safety net.
• Adding Optional Coverages: Explore collision, comprehensive, and higher uninsured/underinsured motorist limits for broader protection.
• Reviewing Your Policy Regularly: Life changes, inflation, and new risks mean your insurance needs may evolve. Regular reviews with an auto insurance agency ensure you’re always protected.

• Personalized Coverage: We tailor policies to your needs, not just the legal minimums.
• Expert Guidance: Our team explains your options and helps you make informed decisions.
• Local Knowledge: As a Connecticut-based agency, we understand the unique risks and requirements of driving in our state.

Don’t leave your financial future to chance. Contact Insurance Near Me CT—your trusted auto insurance agency in CT—for a free policy review and personalized quote today.