Cheapest Car Insurance Quotes in Hartford

Finding the cheapest car insurance quotes in Hartford shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Hartford Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Hartford

The car insurance rate in Hartford is $824 for a six-month policy, which is $112 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $444, making it a popular choice for budget-conscious drivers. Rates in Hartford can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Hartford

$824

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Hartford

1st place: AutoOwners Insurance Co

At $444 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $580 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $627 for six months, making it the third cheapest auto insurance company in Hartford.

Hartford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hartford, AL is AutoOwners Insurance Co, offering policies at just $444 for a six-month term. This is followed by State Farm, which has an average six-month premium of $580.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1762 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hartford drivers find the best deals.

Cheap Car Insurance Companies in Hartford, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$444	$74
State Farm	$580	$98
Travelers	$627	$106
Country Financial	$643	$108
Cincinnati	$664	$112
USAA	$685	$115
Auto-Owners	$732	$123
Nationwide	$925	$158
Allstate	$941	$158
Progressive	$1061	$179
Farmers	$1762	$294

Key Takeaways

Way's key takeaways about car insurance in Hartford

The auto insurance costs in Hartford fall around $444 for six months.
The cheapest auto insurance company in Hartford is Cincinnati.
Teen drivers pay the highest rate in Hartford at $1029 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Hartford

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Hartford are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Hartford. Their Average 6 Month Premium is $115. Farmers is the most expensive at $669 for the same period.

Cheapest Liability Coverage in Hartford, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$115	$19
Mercury	$126	$21
Country Financial	$194	$33
Auto-Owners Insurance Co	$199	$33
USAA	$199	$33
State Farm	$204	$34
Travelers	$219	$37
Auto-Owners	$251	$42
Progressive	$356	$60
Nationwide	$377	$62
Allstate	$413	$70
Farmers	$669	$112

Cheapest Full Coverage Car Insurance in Hartford

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Hartford is AutoOwners Insurance Co at $74 per month and $444 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hartford, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$444	$74
State Farm	$580	$98
Travelers	$627	$106
Country Financial	$643	$108
Cincinnati	$664	$112
USAA	$685	$115
Auto-Owners	$732	$123
Nationwide	$925	$158
Allstate	$941	$158
Progressive	$1061	$179
Farmers	$1762	$294

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Hartford Instantly!

Average Car Insurance in Hartford by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Hartford, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Hartford, Alabama, may be increasing due to several external factors. Alabama has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Hartford's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Hartford

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

undefined

Cheapest Car Insurance Rates for Teen Drivers in Hartford,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Hartford at $21 per month. At $6111 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$126	$21
Country Financial	$199	$33
Travelers	$1228	$207
USAA	$1490	$251
State Farm	$1552	$261
Auto-Owners	$2368	$403
Allstate	$3058	$515
Nationwide	$3722	$633
Progressive	$5358	$902
Farmers	$6111	$1029

Teen Car Insurance Rates in AL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Hartford, Cincinnati is the cheapest car insurance provider. At $162 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Hartford is Farmers, offering rates of around $2849 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$162	$27
Country Financial	$277	$48
Nationwide	$377	$62
Travelers	$789	$133
USAA	$946	$158
Progressive	$1129	$190
Allstate	$1787	$298
State Farm	$2054	$349
Auto-Owners	$2269	$378
Farmers	$2849	$484

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Hartford.

Car Insurance Rates with An Accident in Hartford

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Hartford, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Hartford

The cheapest car insurance companies after an at-fault accident in Hartford include Cincinnati and AutoOwners Insurance Co, offering $178 and $277, respectively. Farmers is an expensive provider with an average six-month premium of $2441.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$178	$30
Auto-Owners Insurance Co	$277	$48
Country Financial	$277	$47
Safeway	$345	$58
Travelers	$502	$84
State Farm	$560	$94
USAA	$695	$117
Auto-Owners	$742	$125
Allstate	$1177	$198
Progressive	$1709	$288
Nationwide	$1751	$292
Farmers	$2441	$415

Hartford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hartford AL. For example, the car insurance in Hartford after a DUI increases to $711 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Hartford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$857	$143
One Med/PIP claim	$857	$146
One comp claim	$884	$147
Two Med/PIP claims	$884	$150
Not-at-fault accident	$889	$148
Two comp claims	$930	$158
Driving without lights	$1019	$170
Failure to wear a seat belt	$1030	$175
Failure to show documents	$1035	$172
Child safety restraint	$1040	$177
Cell phone violation	$1056	$176
Driving with expired registration	$1056	$180
Driving too slowly	$1061	$177
Speeding 6 - 10 MPH over limit	$1061	$180
Speeding in school zone	$1061	$177
Texting while driving	$1061	$180
Speeding 11 - 15 MPH over limit	$1072	$179
Wrong way/wrong lane	$1072	$182
Failure to yield	$1077	$180
Following too closely	$1077	$183
Illegal turn	$1077	$180
Speeding 16 - 20 MPH over limit	$1077	$183
Failure to stop at a red light	$1082	$180
Improper passing	$1082	$184
Passing school bus	$1118	$187
Speeding 21 - 25 MPH over limit	$1124	$191
At-fault accident - less than $1000	$1134	$189
In 65 MPH zone	$1150	$195
At-fault accident - $1000-$2000	$1239	$207
Operating a vehicle without permission	$1265	$215
At-fault accident - greater than $2000	$1275	$213
Open container	$1302	$221
Reckless driving	$1442	$240
Driving with a suspended license	$1506	$256
Racing	$1526	$254
Refusal to submit to a chemical test	$1536	$261
DUI	$1568	$261
Leaving scene of an accident/hit and run	$1631	$277

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Hartford after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Hartford.

The cheapest car insurance premiums in Hartford are offered by Cincinnati at $240 for a six-month policy. However, it can be as expensive as $2347 with companies like Farmers.

Hartford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$240	$40
Country Financial	$324	$55
Travelers	$617	$104
State Farm	$925	$156
USAA	$1035	$174
Allstate	$1092	$184
Progressive	$1097	$185
Auto-Owners	$1390	$234
Nationwide	$2336	$390
Farmers	$2347	$399

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Hartford are offered by Cincinnati at $121. However, it can be as expensive as $2253 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hartford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$121	$20
Country Financial	$172	$29
Auto-Owners Insurance Co	$230	$39
State Farm	$387	$65
Travelers	$596	$100
USAA	$633	$107
Auto-Owners	$768	$128
Allstate	$1155	$196
Progressive	$1600	$267
Farmers	$2253	$383

Car Insurance Price Trends in Hartford, Alabama

Car insurance rates in Hartford have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Hartford rose by $174 in December compared to $172 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Hartford rose to $44 in December, compared to $43 in November. This represents an increase of $1 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Hartford?

The car insurance in Hartford is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Hartford?

The cheapest car insurance in Hartford is $74 per month for full coverage.

How much is car insurance in Hartford for teenagers?

Car insurance for teenagers costs $126 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Hartford?

The average cost of car insurance is $936 for a six-month policy. It will cost around $138 per month to insure your car in Hartford.

Is car insurance expensive in Hartford?

Car insurance can be expensive in Hartford if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Hartford can be affordable.

Cheapest Car Insurance Quotes in Hartford

Why you can trust Way?

How Much Is Car Insurance in Hartford

Avg. Car Insurance in Hartford

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Hartford

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Hartford Car Insurance Rates by Company

Cheap Car Insurance Companies in Hartford, AL

Way's key takeaways about car insurance in Hartford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hartford

Cheapest Liability Coverage in Hartford, AL

Cheapest Full Coverage Car Insurance in Hartford

Cheapest Full Coverage Car Insurance Quotes in Hartford, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hartford by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Hartford, AL increasing?

Car Insurance Premiums by Age in Hartford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hartford,AL

If you are in your twenties N/A is the best choice for car insurance in Hartford.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Hartford

Cheapest Car Insurance Companies after an At-Fault Accident in Hartford

Hartford Car Insurance Rates by Violation

Hartford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hartford after a DUI

Hartford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hartford after Speeding ticket

Car Insurance Price Trends in Hartford, Alabama

Average Car Insurance Cost in Hartford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hartford, AL

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources