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auto insurance connecticut

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 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 driving courses, such as a defensive driver class
  • Bundling your auto and home insurancepolicies**

Required Car Insurance Coverages in Connecticut

Car insurance coverage laws vary 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 for bodily injury liability insurance, per person per accident
  • $50,000 for total bodily injury, per accident
  • $25,000 for property damage liability insurance, per accident
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.

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

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