As a Connecticut resident, it’s important to have auto insurance that covers you at all times of the year. If you’re looking to get a car insurance quote or just want more information on how to get the best auto insurance in CT, we’ve got here to help. The Hartford AARP® Car Insurance Program has been protecting Connecticut members and their families since 1984. We are honored to serve the residents of this state and proud to have called Connecticut home for over 200 years.
No matter where you live in the state constitution, your CT auto insurance will help ensure you feel safe on the road. At The Hartford, we have a reputation for integrity, trust, and respect for our auto insurance claims.
How to Find the Best Car Insurance in CT
Everyone wants to get the best car insurance. At CT, this means finding the coating that best fits your needs. We can help you choose car insurance and provide you with the types of benefits that can really make a difference. Through The Hartford’s AARP program, Connecticut motorists can enjoy auto insurance benefits such as:
- 12 months protection
- New car replacement§§
- Accident Forgiveness
- Disappearing reduction
- Complaint service round the clock
Discounts on Connecticut Car Insurance Rates
As an AARP member, you can qualify for discounts to save on your car insurance costs. We offer auto insurance discounts for:
- Anti-theft devices such as alarms or tracking devices
- Airbags if your car has more than one
- Types of vehicle fuel, such as hybrid or electric vehicles
- Students who meet certain requirements, such as attending school full-time and maintaining a certain grade
- point average
- Discounts for safe drivers, e.g. B. defensive driving class
- Combine your car and home insurance**
- Full policy payment when you pay full premium in advance
Required Car Insurance Coverages in Connecticut
Car insurance coverage required in Connecticut
The car insurance required varies from country to country. When you receive a quote, we will consider the terms of Connecticut auto insurance. The state requires drivers to be responsible within the following minimums:
- $25,000 for personal injury liability insurance
- $50,000 personal injury due to accident
- $25,000 for property damage insurance
Connecticut also requires drivers to carry uninsured coverage for motorist injuries. So your auto insurance quote covers coverage for uninsured/uninsured motorists with a minimum of:
- $25,000 per person
- Total $50,000 per incident
This insurance can help you pay your medical bills if you are involved in an accident involving an uninsured driver or have adequate insurance.
According to a recent Insurance Research Council survey, 9.4% of Connecticut drivers are uninsured.4 While this is below the national average of 12.6%, it is still important to have uninsured car insurance. Without it, you will have to pay for your own medical expenses if the other driver is not insured.
In addition to the minimum coverage amount, Connecticut drivers are also required to keep proof of vehicle insurance and registration in their car at all times. We make it easy for you to get proof of insurance. Call 800-423-6789 to request proof of insurance or go to the customer service center and print your ID.
Staying Safe on Connecticut Roads
When traveling in Connecticut, obey these safe driving laws
Connecticut Seat Belt Laws:
Connecticut is one of 34 states that have basic seat belt laws. This means that the police can find the driver or passenger who is not wearing a seat belt without committing another traffic offense.
Connecticut Distracted Driving Laws:
Connecticut has a number of laws to prevent distracted driving:
- Cell phones are banned for all drivers in Connecticut.
- New drivers in Connecticut are not allowed to use hands-free or hands-free cell phones.
- Texting while driving is illegal in Connecticut.
Connecticut Teen Driver Laws:
Connecticut has enacted licensing laws to ensure young people get the experience and maturity they need to be safe behind the wheel. These laws:
- Limit driving at night
- Make sure driving is controlled enough
- Limit the number of young passengers
Get Car Insurance Quotes in CT Today
Whether you are going to the beach or to the city, it is important to work with an auto insurance company that you can trust and rely on.
We know that every driver is unique and has different needs. Our specialists are here to find out your type of driver and help you every step of the way. Talk to our specialists if you are looking for auto insurance in Connecticut or need to file a claim for accidental damage. You can rest assured that we have taken care of you all this time.
How Much Does It Cost to Insure a Car in CT?
The median cost of auto insurance in Connecticut in 2018 was $1,217, according to the Insurance Information Institute. The national average is $1,004, and Connecticut is the ninth most expensive state for auto insurance. Remember that the price of your car insurance is unique to you. A variety of factors can have a big impact, so it’s a good idea to get a quote for a personalized policy.
Why is car insurance so expensive in CT?
The expenses depend on the population of the country, the number of drivers and the level of income. Connecticut roads are very congested, which can increase the risk of an accident. Drivers living in affluent areas can also drive more expensive cars and have more liability, resulting in higher premiums.6
Is Connecticut a Guiltless State?
Connecticut is not a guilt-free state. This means that if you are responsible for a car accident, you will have to pay for the damage.
What Happens If You Drive Without Insurance in CT?
Driving a car in Connecticut without insurance is a crime.8 This means you may experience:
- Fines up to $500
- imprisonment for a maximum of three months