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connecticut car insurance that’s right for you, not someone sorta like you

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, Esurance technology and tools are 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 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
  • Claims and prior insurance history
  • Coverages, limits, and deductibles on your policy

When you get a Connecticut insurance quote from Esurance, CoverageMyWay™ can help make sure you only pay for what's right for you, not someone sorta like you.

connecticut trends, facts, and info

Uninsured drivers in Connecticut

An Insurance Research Council report using data from 2009 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 or cancellation of coverage will be reported by your former insurer to the state, which will result in a notice from the Department of Motor Vehicles.

This warning allows you to purchase auto coverage and pay a $200 fine in order to avoid facing more serious repercussions, including a suspension of your drivers license among others.

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 2012, 236 people lost their lives in car accidents in Connecticut, and about 30 percent of those deaths were speed related. Now, the good news: Connecticut's overall traffic fatality rate (per 100,000 people) was 6.57 for the same year, well below the national average of 10.69.

Protecting teen drivers

Connecticut has enacted stricter driving laws for teenagers, including mandatory license suspensions and court fines for violations like cell phone usage, driving intoxicated, and street racing, among others.

And these restrictions seem to be working. Between 2008 and 2012, there was a 60 percent drop in Connecticut car crashes involving 16- and 17-year-old drivers.

Related links

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

How to handle a car accident: a 7-step guide
Get expert, step-by-step info on what to do after a crash.

Wonder if you could be saving on car insurance?

get your free quote online

or call 1-800-378-7262