Cheapest Car Insurance Quotes in Hartford

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Hartford Car Insurance

^$ 28

/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 $956 for a six-month policy, which is $87 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $491, 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

$956

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Hartford

1st place: AutoOwners Insurance Co

At $491 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $556 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Country Financial

Country Financial offers auto insurance rates at $582 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, IL is AutoOwners Insurance Co, offering policies at just $491 for a six-month term. This is followed by Westfield, which has an average six-month premium of $556.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $889 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, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$491	$84
Westfield	$556	$92
Country Financial	$582	$98
Travelers	$693	$117
American Family	$804	$135
Erie	$843	$141
USAA	$993	$167
State Farm	$1000	$168
Progressive	$1098	$185
Auto-Owners	$1156	$193
Allstate	$1660	$279
Farmers	$1660	$279
Hanover	$1033	$172
Mercury	$882	$147
Hastings Mutual	$889	$151

Key Takeaways

Way's key takeaways about car insurance in Hartford

The auto insurance costs in Hartford fall around $491 for six months.
The cheapest auto insurance company in Hartford is Mercury.
Teen drivers pay the highest rate in Hartford at $64 per month.

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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.

Mercury provides the cheapest minimum car insurance coverage in Hartford. Their Average 6 Month Premium is $164. First Chicago is the most expensive at $216 for the same period.

Cheapest Liability Coverage in Hartford, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$164	$28
Westfield	$176	$30
Auto-Owners Insurance Co	$209	$35
Country Financial	$222	$37
Erie	$274	$46
Auto-Owners	$300	$51
Travelers	$300	$51
American Family	$347	$58
State Farm	$347	$58
USAA	$366	$62
Progressive	$425	$72
Allstate	$667	$112
Farmers	$817	$139
Hanover	$196	$33
AAA	$281	$47
First Chicago	$216	$36

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 $84 per month and $491 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hartford, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$491	$84
Westfield	$556	$92
Country Financial	$582	$98
Travelers	$693	$117
American Family	$804	$135
Erie	$843	$141
USAA	$993	$167
State Farm	$1000	$168
Progressive	$1098	$185
Auto-Owners	$1156	$193
Allstate	$1660	$279
Farmers	$1660	$279
Hanover	$1033	$172
Mercury	$882	$147
Hastings Mutual	$889	$151

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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, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Hartford, Illinois, may be increasing due to several external factors. Illinois 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$778
30s	Auto-Owners	$538
40s	Auto-Owners	$528
50s	Auto-Owners	$498
60s	Auto-Owners	$524
70s	Auto-Owners	$664

Cheapest Car Insurance Rates for Teen Drivers in Hartford,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Hartford at $35 per month. At $373 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$209	$35
Mercury	$242	$41
Auto-Owners Insurance Co	$262	$44
Country Financial	$889	$150
Erie	$1091	$184
Travelers	$1156	$195
USAA	$2013	$339
American Family	$2411	$406
State Farm	$3469	$584
Progressive	$3476	$585
Allstate	$4038	$680
Farmers	$4110	$692
AAA	$373	$64

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in Hartford.

As young drivers face the highest rates in Hartford, AutoOwners offers the cheapest auto insurance rates at $778 for six months.

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, Mercury is the cheapest car insurance provider. At $249 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 State Farm, offering rates of around $3418 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$249	$42
Westfield	$327	$56
Hanover	$438	$73
Country Financial	$653	$110
Travelers	$725	$122
Progressive	$1038	$175
American Family	$1274	$215
USAA	$1692	$288
Allstate	$2778	$463
Farmers	$3196	$543
State Farm	$3418	$570

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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, IL, 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 AutoOwners Insurance Co and Westfield, offering $274 and $281, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $327.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$274	$46
Westfield	$281	$47
Mercury	$360	$59
Travelers	$627	$106
Erie	$634	$107
Country Financial	$640	$108
State Farm	$947	$160
USAA	$974	$164
American Family	$1091	$184
Progressive	$1575	$265
Farmers	$1738	$293
Allstate	$2882	$485
AAA	$464	$79
First Chicago	$300	$51
Hastings Mutual	$327	$56

Hartford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hartford IL. For example, the car insurance in Hartford after a DUI increases to $902 for a six month policy. While the rate increases by $242 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	$1078	$179
One Med/PIP claim	$1085	$185
Not-at-fault accident	$1144	$190
One comp claim	$1169	$199
Two Med/PIP claims	$1169	$195
Failure to wear a seat belt	$1254	$213
Driving without lights	$1267	$211
Child safety restraint	$1274	$217
Two comp claims	$1274	$212
Failure to show documents	$1294	$220
Speeding 6 - 10 MPH over limit	$1320	$220
Driving with expired registration	$1327	$226
Speeding 11 - 15 MPH over limit	$1353	$226
Driving too slowly	$1360	$231
Failure to yield	$1360	$227
Illegal turn	$1360	$231
At-fault accident - less than $1000	$1372	$229
Failure to stop at a red light	$1372	$233
Following too closely	$1372	$229
Speeding 16 - 20 MPH over limit	$1378	$234
Speeding in school zone	$1378	$230
Improper passing	$1385	$235
Wrong way/wrong lane	$1385	$231
Cell phone violation	$1411	$240
Texting while driving	$1411	$235
Passing school bus	$1425	$242
In 65 MPH zone	$1431	$239
Speeding 21 - 25 MPH over limit	$1444	$245
Operating a vehicle without permission	$1471	$245
At-fault accident - $1000-$2000	$1562	$265
At-fault accident - greater than $2000	$1587	$265
Open container	$1640	$279
Reckless driving	$1902	$317
Racing	$1921	$327
Driving with a suspended license	$1960	$327
Refusal to submit to a chemical test	$1973	$336
DUI	$1980	$330
Leaving scene of an accident/hit and run	$2000	$340

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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 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 Mercury at $249 for a six-month policy. However, it can be as expensive as $2803 with companies like Farmers.

Hartford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$249	$42
Travelers	$667	$112
Erie	$771	$130
Progressive	$804	$135
Country Financial	$1013	$171
American Family	$1235	$208
State Farm	$1340	$226
USAA	$1569	$264
Allstate	$2463	$415
Farmers	$2803	$476

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 Westfield at $209. However, it can be as expensive as $5136 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
Westfield	$209	$35
Auto-Owners Insurance Co	$235	$40
Mercury	$255	$43
Erie	$274	$46
Hanover	$314	$53
Country Financial	$660	$111
USAA	$856	$143
State Farm	$1169	$199
Travelers	$1327	$221
Progressive	$1372	$233
American Family	$1522	$256
Allstate	$4365	$743
Farmers	$5136	$856

Car Insurance Price Trends in Hartford, Illinois

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 $212 in December compared to $210 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 $58 in December, compared to $56 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hartford?

The car insurance in Hartford is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Hartford?

The cheapest car insurance in Hartford is $84 per month for full coverage.

How much is car insurance in Hartford for teenagers?

Car insurance for teenagers costs $209 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 $869 for a six-month policy. It will cost around $160 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 Illinois

National Average

Cheapest Car Insurance Companies in Hartford

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Hartford Car Insurance Rates by Company

Cheap Car Insurance Companies in Hartford, IL

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, IL

Cheapest Full Coverage Car Insurance in Hartford

Cheapest Full Coverage Car Insurance Quotes in Hartford, IL

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, IL 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,IL

If you are in your twenties AutoOwners 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, Illinois

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, IL

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

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