Connecticut is known as New England’s front porch, as it is the first state to greet travelers to the New England area.  Despite being a relatively small state, it features a lot of variety in its landscape from the Litchfield Hills, rolling mountains and horse farms in the North and West to the beaches and maritime activities in the South and East.

With so much to see, we know that you need reliable auto insurance that won’t break the bank!  The General® offers low cost auto insurance even if you have violations on your driving record, have never been insured before, let your policy lapse, or had your license suspended or revoked.

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Below is some information that should help answer some of the more common questions we receive from our Connecticut customers.

Mandatory Minimum Level of Coverage

Connecticut law requires all registered owners to maintain liability insurance on their vehicles.  Insurance must be maintained at all times when there is an active registration on a vehicle.  Insurance companies are required to provide you with an automobile insurance identification card for each vehicle.  This card must be presented for registration of the vehicle and must be carried in the vehicle at all times.

Limits of liability as required by law are as follows:

- $20,000 bodily injury per person
- $40,000 bodily injury per accident
- $10,000 property damage for any one accident

Frequently Asked Questions Regarding Connecticut Auto Insurance

What can occur if I cancel my liability insurance?

Whenever insurance coverage is cancelled, the DMV is notified by the insurance company and the registrant is mailed a Warning Notice offering the opportunity to enter into a consent agreement, obtain insurance, and pay a fine of $200.  By doing so, no further action will be taken against the registrant as long as insurance is maintained.

What if I do not respond to the warning notice?

Failure to comply with the warning notice will result in the mailing of a Suspension Notice.  At that time, a hearing may be requested.  An adverse decision following an administrative hearing will result in:
- Suspension of registration
- Loss of all privileges to renew or register ANY motor vehicle

When must I provide proof of insurance to the DMV?

- When your previous insurer informs the DMV that your policy has been cancelled and the DMV notifies you that proof of insurance is necessary.  Depending on when you change your insurance carrier, your new insurance provider may be unable to provide information to show coverage prior to your being mailed a warning letter.
- If you are randomly selected and your insurer on record with the DMV cannot verify that you are currently insured.

What is Connecticut’s Registration Certificate?

When you register or renew a vehicle registration, you must certify insurance coverage.  Your signature attests that minimum vehicle liability insurance will be maintained throughout the registration period and the vehicle will not be driven without insurance.  Action must be taken by the DMV if this statement is not honored.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

The Official State of Connecticut Web Site
Connecticut Department of Insurance
Connecticut Department of Transportation
Connecticut Department of Public Safety