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connecticut car insurance

Welcome, Connecticuters. Whether you're new to the Constitution State or just tracking down some info, you're in the right place for all things car insurance in Connecticut. You can get a free Connecticut car insurance quote in mere minutes, instantly gaining access to our interactive online tools that make the insurance process more transparent and easy to understand.

Once you become part of the Esurance family (and we're confident you will), you'll have the same easy access to flexible online policy management, 24/7 customer service, and an overall hassle-free insurance process. Whether you live in Hartford, Bridgeport, or somewhere in between, every Esurance policy is built to save residents of your superb state time and money.

Connecticut car insurance discounts from Esurance

Here are a few ways Connecticut residents can cut down their car insurance costs:

  • Fast 5® discount
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount
  • Defensive Driver discount
  • Good Student discount

Discounts may vary. To review your current Esurance discounts, give us a call anytime at 1-800-ESURANCE (1-800-378-7262).

Car insurance coverages in Connecticut

Required coverages

Connecticut drivers are legally required to carry the following coverages and minimum limits:

  • $20,000/$40,000 bodily injury liability coverage (per person, per accident)
  • $10,000 property damage liability coverage per accident
  • $20,000/$40,000 uninsured/underinsured motorist bodily injury liability coverage

Optional coverages

Connecticut drivers who want a little extra financial protection and peace of mind can add these additional coverages to their policy:

  • Comprehensive coverage (includes glass coverage)
  • Collision coverage
  • Rental reimbursement coverage
  • Customized parts and equipment coverage
  • Loan/lease gap coverage
  • Medical payments coverage
  • Emergency roadside service

E-star® car repair shops in Connecticut

Esurance customers who take their cars to Esurance-approved body shops can take advantage of RepairView® and guaranteed repairs for as long as they own their cars.

Find an E-star shop near you.

How your Connecticut car insurance rate is determined

The following factors can affect your car insurance premium in Connecticut:

  • Accidents and violations within the past 3 to 5 years
  • Your vehicle's year, make, model, and average annual mileage
  • ZIP Code where your vehicle is parked or garaged
  • Insurance score based on credit and other factors
  • Claims and prior insurance history
  • Coverages, limits, and deductibles on your policy

Connecticut trends, facts, and info

Uninsured drivers in Connecticut

A recent report from the Insurance Research Council estimated that 10 percent of Connecticut drivers were uninsured. The national average was 13.8 percent.

No proof of insurance

Car insurance is mandatory for Connecticut drivers, and you must keep your proof of insurance in your car at all times. This can be your policy's declarations page or your permanent ID card.

A lapse of coverage will be reported by your former insurer to the state, which may then result in a suspended drivers license. Reinstating it will require proof of coverage and a $200 fine.

Alternative car insurance options

If you're considered a high-risk driver and you're struggling to find an insurance policy, visit the state's official page for non-standard car insurance coverage.

Ability to drive safely

First, the bad news from the National Highway Traffic Safety Administration: In 2010, 319 people lost their lives due to car accidents in Connecticut. This was an increase from the 224 deaths in 2009. Now, the good news: Connecticut's overall traffic fatality rate (per 100,000 motorists) was 8.92, below the national average of 10.63.

Protecting teen drivers

Connecticut enacted strict driving laws for teenagers in 2008, including curfew restrictions for teenage drivers. And they seem to be working. From 2007-2009, there was a 34 percent drop in Connecticut teen crashes (compared to a 26 percent drop nationwide).

Connecticut's DUI stats

Forty-two percent of Connecticut traffic fatalities in 2011 involved a driver with an over-the-limit blood alcohol concentration, which was the third-highest percentage in the nation.

Related links

Driving danger zones
Learn more about common and lesser-known danger areas while driving.

Coverage Counselor®
Esurance can help build a policy that fits you best.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262