Connecticut Minimum Car Insurance Requirements
Connecticut requires minimum liability coverage of 20/40/10: $20,000 bodily injury per person, $40,000 per accident, and $10,000 property damage. You must carry proof of insurance at all times while driving.
Driving without insurance in Connecticut means fines up to $200, license suspension, and possible jail time. An accident without insurance can result in a civil lawsuit against you personally.
Can Immigrants Get a License in Connecticut?
Connecticut does NOT allow undocumented immigrants to obtain a standard driver license. The state requires proof of lawful presence or Social Security number.
However, you may be eligible for a Connecticut ID card from the DMV, which requires proof of identity and Connecticut residency but not immigration status. Check the Connecticut DMV website for current ID card eligibility.
Best Insurance Options for Immigrants in Connecticut
Major insurers like Geico, State Farm, and Progressive accept ITIN numbers instead of SSN in Connecticut. Call ahead and ask specifically: "Can I get a quote using my ITIN?" This protects you from wasted time.
You do not need a Connecticut driver license to buy car insurance. An ITIN, ID card, passport, or foreign license can work as identification. Buying insurance does NOT report you to immigration authorities - insurance companies are not immigration enforcement.
Tips for Immigrant Drivers in Connecticut
If stopped by police, say: "I do not consent to a search" and "I want to speak to a lawyer." These rights apply to everyone in the US regardless of immigration status.
Keep your insurance card, ID, and vehicle registration together in your car at all times. Connecticut police enforce traffic laws, not immigration laws. Learn more about your rights at the ACLU website.
Renew your car insurance on time - expired insurance can lead to license suspension even without an accident.
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $20,000 | Per injured person |
| Bodily Injury (per accident) | $40,000 | Total per accident |
| Property Damage | $10,000 | Damage to others property |
| Uninsured Motorist (BI) | $20,000/$40,000 | Required in Connecticut |
| Uninsured Motorist (PD) | $10,000 | Required in Connecticut |
📋 Official Sources
Frequently Asked Questions
Yes. Use an ITIN (Individual Taxpayer Identification Number) instead. Insurance companies accept ITINs. Get yours at https://www.irs.gov/individuals/individual-taxpayer-identification-number
No. Connecticut requires proof of legal presence for a driver license. Check https://www.ncsl.org/transportation/states-that-allow-unauthorized-immigrants-to-get-a-drivers-license for options in other states.
Connecticut requires: 20/40/10 liability (bodily injury per person/per accident, property damage). Uninsured motorist coverage also required. Rates vary by driver and car.
Major insurers like State Farm, Geico, Progressive, and Allstate accept ITINs and foreign licenses in Connecticut. Get quotes from multiple companies. Rates vary.
Yes. Many insurers accept foreign licenses with proof of residency and an ITIN. Some require an International Driving Permit. Ask insurers directly about their requirements.
No. Insurance companies are NOT immigration enforcement. Your data is protected by the Gramm-Leach-Bliley Act. Insurance companies do not share customer info with ICE.
Yes. Insurers require a Connecticut mailing address. Use your apartment, home, or even a trusted friend or family member address where you receive mail.
No, you cannot get insurance on a car you do not own. The car owner must be listed on the policy. You can be a named driver on someone else's policy.