Connecticut insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Connecticut. Updated Mar 31, 2026.
Department of Insurance
Connecticut maintains a balanced regulatory environment emphasizing consumer protection while allowing market flexibility. The Insurance Department regulates all insurance lines through comprehensive Title 38a statutes. Connecticut expanded Medicaid under the ACA and operates Access Health CT, its state-based marketplace. The state allows flex-rating for personal auto and homeowners insurance (extended to 2030), providing insurers streamlined filing procedures while maintaining commissioner oversight.
Auto Insurance
Notable Laws
- Conn. Gen. Stat. § 38a-334: Mandatory minimum automobile liability insurance coverage requirements
- Conn. Gen. Stat. § 38a-336: Uninsured and underinsured motorist coverage required at minimum $25,000/$50,000
- Conn. Gen. Stat. § 52-572h: Modified comparative negligence rule - plaintiff can recover if 50% or less at fault
- Conn. Gen. Stat. § 14-12: Financial responsibility law requiring proof of insurance
- Conn. Gen. Stat. § 38a-334-7: Optional medical payments coverage available
Homeowners Insurance
Notable Laws
- Conn. Gen. Stat. § 38a-323: Requires 60 days advance notice for non-renewal of homeowners insurance policies
- Conn. Gen. Stat. § 38a-316g: Cancellation notice requirements - 10 days for nonpayment, 30 days for fraud or increased hazard
- Conn. Gen. Stat. § 38a-316f: Mandatory flood insurance disclosure required in homeowners and renters policies (PA 25-33, effective July 1, 2026)
- Conn. Gen. Stat. § 38a-686: Credit-based insurance scoring allowed for homeowners insurance underwriting and rating with required filings
- Conn. Gen. Stat. § 38a-328-13: Connecticut FAIR Plan regulations for declination, non-renewal, and cancellation procedures
Recent Bulletins
Financial Reporting and Other Requirements for CAPTIVE INSURERS
Outlines the 2026 financial reporting requirements, deadlines, and procedures for captive insurance companies domiciled in Connecticut.
View bulletinAnnual Statement Filing Requirements for 2026
Announces 2026 electronic financial statement filing requirements for all insurers licensed in Connecticut, including quarterly and annual filing deadlines.
View bulletinEffective Date of Changes Made to the Principle-Based Reserving Valuation Manual
Notifies life insurers of the effective date for changes to the NAIC Valuation Manual for principle-based reserving requirements.
View bulletinNew Procedures Concerning Surplus Lines Diligent Effort and Related Documentation
Implements new procedures for surplus lines brokers regarding diligent effort requirements and documentation for placing coverage with surplus lines insurers.
View bulletinPayment Flexibility for Federal Workers Affected by the Federal Government Shutdown
Requests insurers to provide payment flexibility and 60-day grace periods for federal workers impacted by government shutdowns.
View bulletinRecent Law Changes
Flex Rating Personal Risk Insurance Extension
Extends the sunset date for the flex rating law for personal risk insurance (home, auto, etc.) from July 1, 2025 to July 1, 2030, allowing insurers to file rates with streamlined procedures.
Insurers retain flexibility in rate filing for personal auto and homeowners insurance, reducing administrative burden while maintaining consumer protection.
Effective: 2025-06-30
Flood Insurance Disclosure Required
Requires homeowners and renters policies to include a notice stating flood losses are not covered and that separate flood insurance is available through the National Flood Insurance Program or private insurers.
Homeowners and renters receive mandatory disclosure about flood insurance gaps, increasing awareness of flood coverage needs.
Effective: 2026-07-01
Health Insurance Affordability and Mental Health Parity
Requires carriers to file annual mental health parity compliance certifications, allows commissioner to reduce rate requests by up to 2% for carriers exceeding cost growth benchmarks, and prohibits step therapy for certain conditions including MS and rheumatoid arthritis.
Health insurers face stricter parity compliance requirements with civil penalties up to $625,000, and patients gain faster access to prescribed medications without step therapy barriers.
Effective: 2025-10-01
Captive Insurance Law Changes
Modifies laws regarding captive insurers, specifically sponsored captive insurers. Allows other captive types to convert into protected cells, allows conveyance of cells to other sponsored captives, authorizes the insurance commissioner to separate insolvent cells, and establishes fines up to $15,000 for violations.
Captive insurance companies gain operational flexibility while facing enhanced regulatory oversight and potential penalties for violations.
Effective: 2025-10-01
Biomarker Testing Coverage
Requires individual and group health insurance policies to cover biomarker testing supported by medical and scientific evidence to diagnose and treat diseases like cancer, ensuring patients have access to precision medicine.
Patients gain coverage for advanced diagnostic testing that can identify targeted cancer treatments, improving access to personalized medicine.
Effective: 2026-01-01
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