Customized Auto Insurance for CT Drivers
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
12-Month Rate Protection
New Car Replacement§§
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
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
$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
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.
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.
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