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Key Takeaways

  • The average annual rate of auto insurance in Hartford comes to around $2,200. It is higher than the state and national averages.
  • With an average annual rate of $1,786, State Farm offers the most affordable car insurance in Hartford, CT.
  • All drivers must have a minimum liability coverage level of 25/50/25 and uninsured/underinsured motorist coverage limits of 25/50.

Introduction

What makes Hartford city in Connecticut famous? With headquarters of many insurance companies located in the city, it has the nickname 'Insurance Capital of the World.' So, the city plays a key role in the country's insurance sector. But, does that make auto insurance costs affordable for the drivers?

Well, we can't say that! But unfortunately, Hartford auto insurance costs you the highest in Connecticut. So, a driver may need to shell out a few more dollars if they want to buy auto insurance in Hartford, CT. So, finding affordable insurance companies in Hartford, CT, will be a pain for the driver.

Don't worry, that's where we can help you. We will help you compare insurance quotes from Hartford insurance companies and get a cheap insurance quote. So, how much does auto insurance in Hartford, CT, cost? How can you find cheap car insurance in Hartford City? We have all the answers!

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How Much Does Car Insurance Cost in Hartford?

Car insurance in Hartford is the most expensive one in the state. A driver must pay an annual average cost of $2,200 to buy auto insurance in Hartford, CT. The rate is higher than the state and national averages. So, get the quotes from different insurers, compare, and buy one to get cheap car insurance in Hartford, CT.

Hartford (annual average) Connecticut (annual average) United States
$2,200 $1,708 $1,557

Our auto insurance review of Hartford, CT, includes average rates based on driving record, age, gender, credit score, and marital status. Keep reading to find out more!

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Hartford Auto Insurance Premiums by Company

Comparing prices from various insurers and selecting the cheapest is one of the best methods to save money on auto insurance in Hartford, CT. State Farm offers the most reasonable premiums for an average driver in Hartford. Car insurance from State Farm costs you an annual average rate of $1,786. Amica has the second cheapest auto insurance in Hartford, CT.

Car insurance company Average Annual Rate
State Farm $1,786
Amica $2,197
Progressive

$2,529
Allstate $2,754

Hartford Auto Insurance Premiums by Age Group

It's no secret that teenagers may pay the most for auto insurance in all cities. For example, teenagers must pay around an average annual rate of $9,847 to buy Hartford car insurance. However, in Hartford, drivers in their 50s have the most affordable auto insurance rates, with an average annual rate of $1,976 for their Hartford auto insurance.

So, how can your lower your insurance costs in Hartford? A driver needs to get out of his teens! insurance costs in Hartford? A driver needs to get out of his teens!

Age Average Annual Rate
Teens $9,847
20s $2,982
30s $2,177
40s $2,049
50s $1,976
60s $2,051
70s $2,683

Hartford Auto Insurance Premiums by Marital Status/Gender

The cost of a driver's auto insurance may occasionally depend on their marital status and gender. Because they are more prone to submit claims, single drivers often pay more for insurance than married drivers in most US cities. For example, in Hartford, single drivers pay $84 more than single drivers for auto insurance. Widowed and divorced drivers also pay as much as single people do.

Gender is another factor that affects the pricing of auto insurance in Hartford, CT. In Hartford, male drivers pay $42 more than female drivers for auto insurance.

Gender/Marital Status Average Annual Rate
Male $2,200
Female $2,158
Single $2,200
Married $2,116
Widowed $2,200
Divorced $2,200

Hartford Auto Insurance Premiums by Driving Record

How can you lower the rates of auto insurance in Hartford, CT? The best way is by keeping a clean driving record. At-fault accidents, DUIs and DWIs, reckless driving tickets, and speeding tickets frequently increase the rate of auto insurance in Hartford, CT.

With an average annual rate of $3,777, drivers with DUI/DWI citations pay the most for auto insurance. The rate is $1,577 more than the city average. So, try to maintain a clean driving record to reduce the cost of auto insurance in Hartford, CT.

Offense Average Annual Rate
Reckless Driving $3,758
DUI/DWI $3,777
Speeding Ticket $2,723
At-Fault Accident (damages < $,1000) $3,247
At-Fault Accident (damages > $2,000) $3,227

Hartford Auto Insurance Premiums by Credit Rating

A good credit score will result in cheaper auto insurance. Ideally, drivers with better credit scores pay less for auto insurance than those with less ideal credit scores. For instance, drivers in Hartford who raise their credit score from 'Very Poor' (300-579) to 'Exceptional' (800-850) can reduce their car insurance costs by more than 50%.

Saving money on auto insurance requires moving from 'Very Poor' to 'Fair' credit. For example, Hartford's annual auto insurance costs might drop by $2,079 if you raise your credit score to 'Good.'

Credit Rating Average Annual Rate
Very Poor $4,279
Fair $2,706
Good $2,200
Very Good $2,047
Exceptional $1,857

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How to get cheap auto insurance in Hartford, CT

Utilizing any discounts offered is one of the most dependable strategies to reduce the cost of your Hartford auto insurance. Most auto insurance providers provide comparable discounts. However, since each company has its policies and procedures, you might find some reductions with one company that aren't offered by another. The following are a few of the most typical auto insurance discounts.

  • Good student discount: Full-time students with a strong GPA frequently qualify for this discount.
  • Safe driver discount: Drivers who keep a spotless driving record can be qualified for a safe driver discount.
  • Bundling discount: Discount for purchasing multiple policies from the same provider (such as house and car or auto and renters insurance) typically results in substantial savings.
  • Multi-car discount: You can typically save money by insuring more than one vehicle under a single policy.
  • Group/employer/professional discount: Discounts for groups, employers, and professionals include those who work as nurses, teachers, and firefighters, to name a few.
  • Low mileage discount: Depending on their annual mileage, drivers who don't drive a lot may be qualified for a reduction.
  • Military discount: Active and retired military personnel are eligible for discounts from several insurance firms.
  • Accident-free discount: You can qualify for this discount for not having any accidents on your driving record.

Auto insurance in Hartford: Minimum insurance requirement in Connecticut

Nearly all states have minimum insurance requirements, and almost all states mandate car insurance. Drivers in Connecticut risk being penalized or revoked their registration if they don't have the bare minimum of auto insurance.

  • Bodily injury liability per person - $25,000
  • Bodily injury liability per accident - $50,000
  • Property damage liability per accident - $25,000
  • Uninsured motorist coverage per person - $25,000
  • Uninsured motorist coverage per accident - $50,000

The Connecticut minimum insurance requirements might be insufficient to pay for all damage and medical costs in an accident. It implies that drivers with minimum liability coverage may have to pay out of pocket if their claims surpass the policy's maximum. The ideal way to ensure that you remain protected during an accident where you were at fault is to have the maximum liability insurance coverage you can afford. Add comprehensive and collision coverage to your policy if you cannot pay for the repair or replacement of your car out of pocket.

Auto Theft Statistics in Hartford

Unfortunately, the auto theft rate in Hartford is much higher than the state average. In 2019, the auto theft rate in the city was around 533 per 100,000 residents. At the same time, the state rate was nearly 436 per 100,000 residents. So, it is always safe to buy an insurance policy with comprehensive coverage to get enough coverage in the case of auto theft.

Accident Statistics in Hartford

According to the data for 2019, around 25 vehicles were involved in fatal accidents. The fatal accident count was around 15, and four pedestrians were involved in fatal accidents. So if you're driving in Hartford, also be careful about drunk drivers. In 2019, there were nearly ten fatal accidents that involved drunk persons. So, always buy a Hartford auto insurance policy with great collision coverage.

Useful Info for Driving in Hartford

Due to its sizable suburban population, Hartford has significant traffic. As a result, thousands of people use the local highways during the beginning and conclusion of each workday.

  • The Connecticut Department of Transportation owns Connecticut Transit (CTtransit). The Hartford Division of CTtransit provides local and commuter bus service within the city and its surroundings. The Downtown Area Shuttle (DASH) bus line in Hartford serves as a free downtown shuttle. Bike racks are present on all city buses.
  • The Hartford Union Station, established in 1889, provides service to the city. Amtrak has a service via Springfield and New Haven from Hartford to Vermont. Numerous bus companies are served by the station as well. [224] The Hartford Line, a commuter train service between New Haven and Springfield that stops at stations in communities along Interstate 91, also provides service to Hartford Union Station. It makes use of an Amtrak-owned rail route.

Car Insurance Companies in Hartford, CT

Are you looking for insurance companies in Hartford, CT? Insurance companies in the city claim to provide good discounts and customized coverages. Our experienced agents can help you understand the state's most complex requirements, insurance terms, coverages, and discounts. Here are some of the companies that provide car insurance in Hartford.

Driving Conditions in Hartford

  • Driving conditions are fair.
  • Hartford traffic is not that easy to navigate.
  • On average, there are 119 rainy days per year in Hartford. Rain averages 49 inches. 
  • Snowfall averages 38 inches.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQ

How much does car insurance cost in Hartford City?

Auto insurance in Hartford, CT, will cost you an annual average rate of $2,200.

What kind of car insurance do you need in Hartford City?

All drivers should have a minimum liability coverage level of 25/50/25 and uninsured/underinsured motorist coverage limits of 25/50.

What determines your car insurance cost in Hartford City?

The insurer you choose greatly impacts the cost of auto insurance in Hartford, CT. Also, factors like driving record, age, gender, credit score, and marital status affect car insurance rates.

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Learn more by city and state for car insurance




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