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Connecticut Car Insurance

Whether it is commuting throughout the towns of Connecticut, or heading to the “Big Apple”, you will need to make sure you have the right car insurance for your car.

If you happen to get into an accident without the proper car insurance, you can face fines, a license suspension, or even jail time.

Connecticut Penalties for Driving Without Car Insurance

If you are caught driving in Connecticut without car insurance or during a lapse in coverage, you will receive a warning notice which gives you the chance to enter into a consent agreement, obtain insurance and pay a fine of $200. If you fail to comply with the notice, your registration will be suspended, and you will lose all privileges to renew or register any other motor vehicle. In order to lift the suspension, you will need to pay an uninsured motorist civil penalty of $200 and provide proof of insurance to your DMV.

Connecticut Car Insurance Laws

Under Connecticut‘s car insurance laws, drivers are always required to have auto insurance on all registered vehicles. Connecticut minimum coverage auto insurance requirements are as follows:

  • $25,000 in bodily injury coverage for one person in an accident
  • $50,000 for all bodily injuries to all persons in an accident
  • $25,000 in property damage coverage


Drivers also must purchase additional coverage for bodily injuries to uninsured or underinsured motorists with limits at least $20,000 (for one person)/$40,000 (more than one person in an accident) unless rejected in writing

Connecticut DUI/DWI Laws and Penalties

Connecticut‘s DUI laws state that anyone with a blood alcohol content (BAC) at least 0.08 is considered under the influence, and therefore subject to a Driving Under the Influence (DUI) offense. If you refuse to take a chemical test when pulled over for a DUI, you will be subject to 6-month license suspension and spend up to 2 days in jail. Penalties for drivers (age 21 and older) first drunk driving offense are as follows:

  • License suspension of 45 days, followed by one year driving only a vehicle equipped with an ignition interlock
  • One-year jail sentence, 30 days of which cannot be suspended
  • Fine from $500 to $1,000
  • Vehicle towed at your expense


Connecticut Cell Phone Driving Laws and Texting While Driving Laws

Connecticut law bans the use of hand-held devices while driving. There is also a ban on texting while driving in Connecticut. Talking or texting on a cell phone is a primary offense in the state of Connecticut and violators may be fined $125.

Connecticut SR-22 Insurance Documents

An SR-22 form is a state or court ordered document that provides proof that a driver is carrying the minimum amount of car insurance for their state. In Connecticut, SR-22 insurance documents may be required to prove that a driver’s liability insurance is in effect.

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