Connecticut Insurance Requirements & Rates

Connecticut requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage). Connecticut is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is required.

Connecticut homeowners face risks from nor'easters, flooding, hurricanes, winter storms. The flood risk level is moderate and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $2,029.

Connecticut requires riders under 18 to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is april–october.

Yes, workers' compensation insurance is required in Connecticut. Sole proprietors with no employees may opt out. Connecticut has approximately 370,000 small businesses, with top industries including Finance & Insurance, Healthcare, Manufacturing.

Yes, Connecticut has expanded Medicaid. The state has its own state-based health insurance marketplace at https://www.accesshealthct.com. The uninsured rate is 4.5%.

Yes, landlords in Connecticut can require tenants to carry renters insurance as a condition of the lease. About 34% of Connecticut residents are renters, with average monthly rent of $1,350.

With a median household income of $83,771, most Connecticut families should consider 10-12x their annual income in life insurance coverage. Currently, 56% of Connecticut households have life insurance.