Allstate submitted a Connecticut filing introducing its optional “Just Enough Coverage” personal auto endorsement, a product designed to reduce premiums by limiting coverage for permissive drivers and undisclosed household operators. The filing was submitted on May 5, 2026, with a requested effective date of October 13, 2026.

Under the endorsement, permissive drivers and undisclosed operators would only receive Connecticut’s statutory minimum liability limits for bodily injury and property damage coverage. The endorsement also removes collision, comprehensive, and other vehicle damage protections when the insured vehicle is operated by those drivers.

The filing defines undisclosed operators as household residents with driver’s licenses who are not listed or excluded on the policy. Permissive drivers are individuals using the insured vehicle with permission but who are not listed on the declarations page.

The endorsement also introduces exclusions tied to hazardous materials transportation and autonomous vehicle operation. Allstate states there would be no coverage for losses occurring while an autonomous vehicle is operating without active human monitoring or control.

The Connecticut filing follows earlier “Just Enough” filings in Maryland, Mississippi, and Nebraska. As previously reported, Allstate has been positioning the concept as a lower-cost, customizable coverage option that allows customers to remove protections they may not want, alongside a broader push toward modular personal auto products and digital account management tools.