Auto Insurance in Hartford, CT

Live, Work and Play Close to Home

The historic city of Hartford, CT offers its residents 17 diverse neighborhoods to choose from. This capital city of the great state of Connecticut was established in 1637, and it can lay claim to noted citizens likes Noah Webster, Mark Twain, J.P. Morgan, Katharine Hepburn, and Harriet Beecher Stowe. Hartford is also home to several of the largest corporations in the state and provides just over 65,000 jobs to nearby residents.

Hartford is the place to be if you enjoy a healthy balance between work and play, with a vibrant downtown that hosts the seat of the state government and is the city’s main employment center. Hartford also has dozens of clubs, bars, and restaurants for those who enjoy a night on the town, as well as a wide range of museums, parks, and other attractions. Take in some history at the Mark Twain House and Museum or visit the Connecticut Science Center. Catch the annual Flower and Garden Show or the Dragon Boat and Asian Festival.

Whether you travel to and from the city center for work or head out on the weekends to explore the many parks and entertainment venues, you can keep your family safe with VIU by HUB’s auto insurance for Hartford residents.

Requirements for Auto Insurance in Hartford

The devastating losses that can occur because of an auto accident have led many states to establish insurance requirements for any registered vehicles. Connecticut has followed this model and put in place several regulations concerning auto insurance. For CT residents, any vehicle that has an active registration must have liability insurance on it. Individuals must also carry underinsured and uninsured motorist coverage.

• $20,000 per person in bodily injury liability
• $40,000 per accident for bodily injury liability
• $10,000 per accident in property damage liability

Uninsured and underinsured coverage requires registered car owners to have a minimum of $20,000 per person and a minimum of $40,000 per accident.

Exceeding the Minimums with Auto Insurance in Hartford

When it comes to auto insurance in Hartford CT, not enough coverage can be just as financially devastating as not carrying insurance at all. Car insurance is an investment that protects you and your family from the costly expenses associated with vehicle accidents. In Connecticut, the at-fault driver is financially responsible for compensating anyone injured in an accident, whether it be other drivers, passengers, or pedestrians. If you only carry the minimums with insurance, you may be facing much of these expenses out of pocket.

Our VIU by HUB brokers know the requirements of the law, but they also know what financial security requires. Rather than accepting the minimums for your coverage plan, you can meet with one of our brokers to talk about your risks and the coverages you would need to address them. You may find you should add these additional coverages:

• Collision coverage to address damages to your personal vehicle
• Comprehensive address damage that occurs outside of a collision (theft, windstorm, falling object, vandalism, etc.)

This information is intended for general informational purposes only and is not intended to constitute legal advice.