Car Insurance in CT

Connecticut car insurance
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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto & Home Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Customized Auto Insurance for CT Drivers

Auto insurance CT As a Connecticut resident, it’s important to have car insurance that keeps you protected through every season. If you’re looking to get a car insurance quote or just want more information on how to get the best car insurance in CT, we’re here to help. The AARP® Auto Insurance Program from The Hartford has been protecting Connecticut members and their families since 1984. We’re honored to serve residents in this state and are proud to call Connecticut home for over 200 years.
No matter where you live in the Constitution State, your auto insurance in CT should help make sure you feel protected on the road. At The Hartford, we have a reputation for integrity, trust and high customer ratings for our car insurance claims.*

How to Find the Best Car Insurance in CT

Everyone wants to get the best car insurance. In CT, that means finding the coverages that best fit your needs. We can help you when you’re choosing your car insurance and get you the kind of benefits that can really make a difference. Through the AARP Auto Insurance Program from The Hartford, Connecticut drivers can enjoy auto insurance benefits like:
  • 12-Month Rate Protection
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Discounts on Connecticut Car Insurance Rates

As an AARP member, you may qualify for discounts to help you save on your car insurance rate. We offer car insurance discounts for:
  • Anti-theft devices, such as alarms or tracking tools
  • Airbags if your car has more than one
  • Vehicle fuel type, like a hybrid or electric vehicle
  • Students who meet certain requirements, like attending an eligible school full time and maintaining a certain grade point average
  • Safe driver discount, such as a defensive driver class
  • Bundling your auto and home insurance policies**
  • Full policy payment if you pay your entire premium upfront

Required Car Insurance Coverages in Connecticut

Car insurance that is required varies by state. When you get a quote, we’ll take into consideration the requirements for car insurance in Connecticut. The state requires drivers to carry liability coverage at the following minimum limits:2
Connecticut also requires drivers to carry uninsured motorist bodily injury coverage. So, your auto insurance quote will include uninsured/underinsured motorist coverage at the minimum limits:3
  • $25,000 per person
  • $50,000 total per accident
This insurance can help pay your medical bills if you get into an accident with a driver that either doesn’t have insurance or enough coverage.
According to the latest study from the Insurance Research Council, 9.4% of drivers in Connecticut don’t have insurance.4 Although this is lower than the national average of 12.6%, it’s still important to have uninsured motorist insurance. Without it, you’ll have to pay out of pocket for your medical costs if the other driver doesn’t have coverage.
In addition to minimum coverage levels, Connecticut drivers must also keep proof of car insurance and registration in their cars at all times. We make it easy for you to get proof of insurance. Call 800-423-6789 to request proof of insurance or log into the Customer Service Center and print your ID cards.

Additional Car Insurance Coverages Available to Connecticut Drivers

We make it easy for Connecticut drivers to tailor their insurance policies. You can add the following car insurance coverages:

Staying Safe on Connecticut Roads

As you travel through Connecticut, keep these safe driving laws in mind:5

Connecticut Seat Belt Laws:

Connecticut is one of 34 states that have a primary seat belt law. This means police officers can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.

Connecticut Distracted Driving Laws:

Connecticut has a number of laws in place to discourage distracted driving:
  • Hand-held cell phones are banned for all drivers in the State of Connecticut.
  • New drivers in Connecticut are not allowed to use hand-held or hands-free cellphones.
  • Texting while driving is banned in Connecticut.

Connecticut Teen Driver Laws:

Connecticut has graduated licensing laws to ensure teenagers gain the experience and maturity required to be safe behind the wheel. These laws:
  • Limit nighttime driving
  • Ensure an adequate amount of supervised driving practice
  • Restrict the number of teen passengers

Get Car Insurance Quotes in CT Today

Car insurance quotes CT Whether you’re driving to the beach or heading to the city, it’s important to work with a car insurance company that you can trust and rely on.
We know every driver is unique and has different needs. Our specialists are here to learn the kind of driver you are and to help you every step of the way. Speak with our specialists if you’re looking for car insurance in Connecticut or if you need to file a claim for an accident. You can have peace of mind knowing we’ve got your back while you’re on the road.

Common Questions About Car Insurance in CT

How Much Does It Cost to Insure a Car in CT?

The average car insurance cost in Connecticut in 2018 was $1,217, according to the Insurance Information Institute. The national average was $1,004 and Connecticut ranks as the ninth most expensive state for car insurance. Be aware that your car insurance cost is unique to you. Different factors can have a big impact, so it’s a good idea to get a quote for your personalized policy.
Learn more about how much car insurance costs today.

Why Is Car Insurance So Expensive in CT?

The state’s population, number of drivers and income levels all play a role in costs. Connecticut’s roadways sees high congestion, which can increase the risk of an accident. Drivers living in affluent areas may also drive more expensive cars and get more liability coverage, which results in a higher premium.6

Is Connecticut a No-Fault State?

Connecticut is not a no-fault state.7 This means if you’re responsible for a car accident, you’ll have to pay for the damages.
Learn more about no-fault insurance.

What Happens If You Drive Without Insurance in CT?

Driving a car in Connecticut without insurance is a misdemeanor.8 This means you can face:
  • A fine up to $500
  • Imprisonment up to three months
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/20 and 12/31/20. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Terms and conditions apply.
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
‡‡ Terms and conditions apply. Availability varies by state.
Additional disclosures below.
auto insurance definition

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.
To learn more, read through our auto insurance definitions page.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.