Connecticut Teen Driver Insurance: Parent & New Driver Guide
Connecticut requires 25/50/25 liability coverage and is an at-fault state.
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Connecticut at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
16
Minimum learner's permit age, 40 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
All teen drivers must complete Connecticut's graduated licensing program: a learner's permit held for at least 120 days (180 days if under 18), an 8-hour Safe Driving Practices course, and 40 hours of supervised driving including 10 hours at night. Connecticut law also mandates that all insurers offer a good student discount to drivers under 25 who maintain a B average or better, making it one of the few states where this discount is guaranteed, not carrier-discretionary.
Liability Insurance
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
Cost Overview
$303–$581/mo
Typical monthly rate in Connecticut, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
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Compare Teen Driver RatesRules for new drivers
Night driving
11pm-5am
Passengers
no non-household passengers first 6 months, then immediate family only
Source: IIHS and state DMV records, verified July 2026
Frequently Asked Questions
When can my teen get a full driver's license in Connecticut?
Connecticut teens can obtain a full, unrestricted license at age 18, or as early as age 16 years and 4 months if they complete the graduated licensing program: hold a learner's permit for at least 120 days (or 180 days if under 18), complete 40 hours of supervised driving including 10 at night, and hold an intermediate license for at least 4 months without any moving violations. During the intermediate phase, passengers are limited to immediate family members plus one non-family passenger, and driving is restricted between 11 p.m. and 5 a.m. unless for work, school, or emergencies.
Coverage Types
Liability-Only for Older Vehicles
State minimum 25/50/25 liability plus uninsured motorist coverage, no collision or comprehensive. Best for teen drivers operating a vehicle worth under $4,000 that's paid off.
Enhanced Liability (100/300/100)
Liability limits of $100,000 per person, $300,000 per accident, $100,000 property damage, plus UM/UIM at matching limits. Recommended baseline for most Connecticut families with a teen driver.
Full Coverage for Financed Vehicles
100/300/100 liability, collision (typically $500–$1,000 deductible), and comprehensive (typically $250–$500 deductible). Required by lenders if financing or leasing a vehicle.
Full Coverage with Telematics
Full coverage with enrollment in a usage-based insurance (telematics) program that monitors driving habits via smartphone app or plug-in device. Offers the deepest available discounts for safe driving.
Liability + Comprehensive (No Collision)
State minimum or enhanced liability plus comprehensive coverage, but no collision. Best for teen drivers operating a paid-off vehicle worth $4,000–$8,000 in areas with higher rates of theft, vandalism, or weather damage.
Named Non-Owner Policy
Liability-only policy for a teen driver who doesn't own a vehicle but occasionally drives a parent's or friend's car. Provides secondary coverage after the vehicle owner's policy.