Cheapest Car Insurance Quotes in New Hartford Center

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New Hartford Center Car Insurance

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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 New Hartford Center

The car insurance rate in New Hartford Center is $1345 for a six-month policy, which is $86 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $687, making it a popular choice for budget-conscious drivers. Rates in New Hartford Center 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 New Hartford Center

$1345

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in New Hartford Center

1st place: Kemper

At $687 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $709 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $832 for six months, making it the third cheapest auto insurance company in New Hartford Center.

New Hartford Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Hartford Center, CT is Kemper, offering policies at just $687 for a six-month term. This is followed by Travelers, which has an average six-month premium of $709.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3155 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Hartford Center drivers find the best deals.

Cheap Car Insurance Companies in New Hartford Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$687	$116
Travelers	$709	$120
USAA	$832	$140
Amica Mutual	$927	$156
State Farm	$1111	$187
Progressive	$1234	$208
Allstate	$1335	$225
Nationwide	$1379	$232
Amica	$1468	$244
Farmers	$1966	$335
Hanover	$3155	$531

Key Takeaways

Way's key takeaways about car insurance in New Hartford Center

The auto insurance costs in New Hartford Center fall around $687 for six months.
The cheapest auto insurance company in New Hartford Center is USAA.
Teen drivers pay the highest rate in New Hartford Center at $1324 per month.

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Cheapest Minimum Liability Car Insurance in New Hartford Center

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 New Hartford Center are given below.

USAA provides the cheapest minimum car insurance coverage in New Hartford Center. Their Average 6 Month Premium is $290. Farmers is the most expensive at $910 for the same period.

Cheapest Liability Coverage in New Hartford Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$290	$50
Kemper	$307	$52
Amica Mutual	$414	$70
Amica	$419	$70
Progressive	$435	$73
State Farm	$458	$77
Nationwide	$513	$86
Allstate	$598	$101
Hanover	$1189	$202
Travelers	$262	$44
Farmers	$910	$155

Cheapest Full Coverage Car Insurance in New Hartford Center

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 New Hartford Center is Kemper at $116 per month and $687 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Hartford Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$687	$116
Travelers	$709	$120
USAA	$832	$140
Amica Mutual	$927	$156
State Farm	$1111	$187
Progressive	$1234	$208
Allstate	$1335	$225
Nationwide	$1379	$232
Amica	$1468	$244
Farmers	$1966	$335
Hanover	$3155	$531

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Average Car Insurance in New Hartford Center 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 New Hartford Center, CT increasing?

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

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

Car Insurance Premiums by Age in New Hartford Center

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

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Cheapest Car Insurance Rates for Teen Drivers in New Hartford Center,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the New Hartford Center at $58 per month. At $7789 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$346	$58
Amica Mutual	$430	$71
USAA	$1178	$198
Amica	$2083	$351
Allstate	$2306	$388
State Farm	$2468	$415
Progressive	$3490	$588
Nationwide	$4818	$811
Hanover	$7365	$1252
Farmers	$7454	$1243
Travelers	$7789	$1324

Teen Car Insurance Rates in CT 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 New Hartford Center, Kemper is the cheapest car insurance provider. At $397 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 New Hartford Center is Amica, offering rates of around $4617 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$397	$66
Amica Mutual	$726	$123
USAA	$1385	$231
Travelers	$1402	$239
Progressive	$1658	$279
Allstate	$1810	$305
Nationwide	$1899	$320
State Farm	$3221	$542
Farmers	$3958	$660
Amica	$4617	$785

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Car Insurance Rates with An Accident in New Hartford Center

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 New Hartford Center, CT, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in New Hartford Center include Amica Mutual and Kemper, offering $486 and $509, respectively. Hanover is an expensive provider with an average six-month premium of $5633.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$486	$81
Kemper	$509	$86
State Farm	$792	$133
Travelers	$792	$134
USAA	$804	$135
Amica	$1424	$240
Progressive	$1692	$285
Nationwide	$2155	$363
Allstate	$4053	$676
Farmers	$4495	$764
Hanover	$5633	$939

New Hartford Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Hartford Center CT. For example, the car insurance in New Hartford Center after a DUI increases to $1782 for a six month policy. While the rate increases by $234 for a six-month policy in the case of a speeding ticket.

New Hartford Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1139	$190
One Med/PIP claim	$1139	$194
Not-at-fault accident	$1178	$196
Two Med/PIP claims	$1183	$201
One comp claim	$1200	$200
Two comp claims	$1273	$216
Driving without lights	$1324	$221
Failure to wear a seat belt	$1340	$227
Child safety restraint	$1356	$227
Failure to show documents	$1362	$231
Speeding 6 - 10 MPH over limit	$1373	$229
Driving with expired registration	$1379	$234
Speeding 11 - 15 MPH over limit	$1379	$230
Speeding 16 - 20 MPH over limit	$1379	$234
Cell phone violation	$1385	$231
Texting while driving	$1385	$235
Driving too slowly	$1390	$232
Failure to stop at a red light	$1390	$236
Failure to yield	$1390	$232
Following too closely	$1390	$236
Illegal turn	$1390	$232
Improper passing	$1396	$238
Wrong way/wrong lane	$1396	$233
Speeding in school zone	$1402	$239
Speeding 21 - 25 MPH over limit	$1418	$236
At-fault accident - less than $1000	$1435	$244
In 65 MPH zone	$1491	$248
Operating a vehicle without permission	$1541	$262
Open container	$1625	$271
At-fault accident - $1000-$2000	$1781	$303
At-fault accident - greater than $2000	$1781	$297
Passing school bus	$2083	$354
Reckless driving	$2742	$457
Racing	$2826	$480
Driving with a suspended license	$2847	$475
Refusal to submit to a chemical test	$2870	$488
DUI	$2921	$487
Leaving scene of an accident/hit and run	$2970	$505

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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 New Hartford Center 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 New Hartford Center.

The cheapest car insurance premiums in New Hartford Center are offered by Kemper at $619 for a six-month policy. However, it can be as expensive as $16544 with companies like Hanover.

New Hartford Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$619	$104
Progressive	$1183	$199
USAA	$1189	$200
Travelers	$1223	$204
Allstate	$1519	$256
State Farm	$1546	$260
Amica Mutual	$2562	$431
Nationwide	$2853	$480
Farmers	$4707	$800
Amica	$5154	$859
Hanover	$16544	$2813

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 New Hartford Center are offered by Kemper at $391. However, it can be as expensive as $4489 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in New Hartford Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$391	$65
Amica Mutual	$475	$81
State Farm	$961	$162
Travelers	$961	$164
USAA	$961	$160
Allstate	$1089	$183
Nationwide	$1356	$228
Progressive	$1463	$246
Amica	$1703	$284
Farmers	$2513	$428
Hanover	$4489	$748

Car Insurance Price Trends in New Hartford Center, Connecticut

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

The average cost of full coverage in the New Hartford Center rose by $310 in January compared to $224 of December. In other words, there has been an increase by $86 when you compare January and December.

The average cost of liability insurance in the New Hartford Center dipped to $76 in January, compared to $81 in December. This represents an decrease of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in New Hartford Center?

The car insurance in New Hartford Center is $50 per month, which is lower than the national average.

What is the cheapest car insurance in New Hartford Center?

The cheapest car insurance in New Hartford Center is $116 per month for full coverage.

How much is car insurance in New Hartford Center for teenagers?

Car insurance for teenagers costs $346 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 New Hartford Center?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $227 per month to insure your car in New Hartford Center.

Is car insurance expensive in New Hartford Center?

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

What is the best car insurance in New Hartford Center, CT?

The best car insurance company in New Hartford Center CT is Kemper, offering $687 for a six-month policy.