Connecticut Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

• Uninsured Motorist (UM) and Underinsured Motorist (UIM) Coverage. Connecticut requires insurance companies to offer UM/UIM coverage to purchasers of automobile liability policies. The law requires insurance companies to offer UM and UIM coverage with limits that are twice the limits of bodily injury liability coverage actually purchased. If purchased, the coverage must be at least be equal to that required for bodily injury coverage.

Special Rules for Motorcycle Owners

• Connecticut does not require insurance companies to offer UM/UIM coverage to motorcycle owners.