Connecticut Minimum Car Insurance Requirements
Connecticut requires all drivers to carry liability insurance: $20,000 bodily injury per person, $40,000 per accident, and $10,000 property damage (20/40/10).
Driving without insurance is illegal. You risk license suspension, fines up to $500, and vehicle impound. Proof of insurance must be shown during traffic stops.
The insurer is NOT allowed to share your information with immigration authorities. Connecticut follows federal privacy law.
Can Immigrants Get a License in Connecticut?
Connecticut does NOT currently issue driver licenses to undocumented immigrants. You must have a valid passport and social security number or ITIN to apply.
If you have an ITIN, you may qualify. Contact the Connecticut DMV directly at 860-594-2000 to confirm your eligibility based on your specific situation.
If you cannot get a Connecticut license, you may still get car insurance using an ITIN and a foreign license as proof of identity.
Best Insurance Options for Immigrants in Connecticut
Many major insurers accept ITIN instead of SSN in Connecticut: Geico, State Farm, Progressive, and Allstate are common options. Rates vary widely, so get quotes from at least 3 companies.
You will need: valid passport or foreign license, ITIN number, proof of Connecticut residency (lease, utility bill), and vehicle information.
Never lie on an application. If you cannot drive legally in Connecticut due to lack of license, some insurers offer non-owner policies instead.
Tips for Immigrant Drivers in Connecticut
Keep proof of insurance in your vehicle at all times. Police stops can happen randomly. Show your foreign license and insurance card.
Do not assume traffic stops are immigration enforcement. Police and insurance companies have different jobs and different rules.
If pulled over and nervous, you have the right to remain silent and ask for a lawyer. Write down the officer name and badge number.
Connecticut has free legal aid organizations for immigrants. Search Connecticut Immigrant Rights Center for local help.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $20,000 | Connecticut state minimum |
| Bodily Injury (per accident) | $40,000 | Connecticut state minimum |
| Property Damage | $10,000 | Connecticut state minimum |
| Uninsured Motorist (per person) | $20,000 | Required in Connecticut |
| Uninsured Motorist (per accident) | $40,000 | Required in Connecticut |
| Medical Payments (PIP) | $5,000 | No-fault medical coverage required |
📋 Official Sources
Frequently Asked Questions
Yes. Connecticut insurers accept ITIN instead of SSN. Get an ITIN from IRS at https://www.irs.gov/individuals/individual-taxpayer-identification-number even without immigration status.
No. Connecticut does not issue driver licenses to undocumented immigrants. You need proof of legal presence. Check your state DMV for alternative ID options.
Connecticut requires: 20,000 bodily injury per person, 40,000 per accident, 10,000 property damage, 20,000 uninsured motorist per person.
Geico, State Farm, and Progressive work with ITIN numbers. Rates vary by driving record and age. Get quotes from multiple insurers to compare.
Most insurers want a valid Connecticut license or valid foreign license. Some accept foreign licenses temporarily. Call insurers directly to confirm their policy.
