The average cost of car insurance in Hartford is $2,454 per year for a full coverage policy, which is $664 more expensive than than the state average in Connecticut ($1,790 per year). Auto insurance rates in Hartford are also significantly higher than the national average, but you can save money on your car insurance by shopping around.
Comparing insurance rates between multiple companies is the easiest, most effective way to save money on car insurance. Policygenius can help you compare quotes to find the best coverage for you.
Cheapest car insurance companies in Hartford, CT
Our analysis found that GEICO is the cheapest car insurance company in Hartford, with an average annual rate of $1,032 per year. USAA was the second-cheapest car insurance company in Hartford, but it’s only available to members of the military and their families.
Company | Average Annual Premium | JD Power |
|---|---|---|
GEICO | $1,032 | 871 |
USAA | $1,438 | 890 |
State Farm | $1,728 | 881 |
Kemper | $1,731 | - |
Electric Insurance | $2,050 | - |
Cheapest car insurance rates by ZIP code in Hartford, CT
Your ZIP code is one of the biggest factors insurance companies use when setting your rates. Things like the number of car accidents or stolen vehicles in your ZIP code can impact what you pay for car insurance.
Population density is also a factor when determining rates by ZIP code, which means drivers in Hartford will be charged much more than drivers in smaller, more rural areas.
Zip Code | Average Annual Premium |
|---|---|
06101 | $2,454 |
06103 | $2,454 |
06105 | $2,454 |
06106 | $2,454 |
06112 | $2,454 |
06114 | $2,454 |
06120 | $2,454 |
06152 | $2,454 |
06160 | $2,454 |
Choosing the right car insurance company in Hartford, CT
The company that offers the best car insurance in Hartford depends on your specific needs (and the company that’s cheapest for one driver may not offer the cheapest rates for another). Here’s what to consider when shopping for car insurance:
Cost: Insurance rates vary significantly from one company to the next, so it is important for people who are shopping for the lowest price to compare quotes from multiple companies.
Coverage: Different companies offer different types and levels of coverage, so make sure you are comparing apples to apples when choosing between two insurance policies.
Customer service: Most people only interact with their insurance company after an accident, which is a stressful experience. Check customer service ratings to make sure you’re picking a company that will treat you well when things go wrong.
Car insurance rates for drivers with driving violations in Hartford, CT
If you have a recent car accident or moving violation on your driving record, your insurance rates will likely increase, sometimes significantly, because of it.
While something like an expired registration may not have much of an impact on your rates, a more serious infraction (like reckless driving, a DUI, or an at-fault accident) could increase your rates by thousands of dollars a year.
Violation | GEICO | USAA | State Farm | Kemper | Electric Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,513 | $2,171 | $1,907 | $2,840 | $2,223 |
Driving without lights | $1,029 | $1,761 | $1,907 | $2,609 | $2,275 |
DUI | $3,687 | $3,175 | $1,907 | $3,647 | $4,136 |
Expired registration | $1,029 | $1,761 | $1,907 | $2,609 | $2,121 |
Failure to yield | $1,029 | $1,761 | $1,907 | $2,609 | $2,275 |
Following too closely | $1,029 | $1,761 | $1,907 | $2,609 | $2,275 |
Hit and run | $3,507 | $3,307 | $1,907 | $3,647 | $4,096 |
Illegal turn | $1,029 | $1,761 | $1,907 | $2,609 | $2,275 |
Improper passing | $1,029 | $1,761 | $1,907 | $2,609 | $2,275 |
Not showing documents | $1,029 | $1,761 | $1,907 | $2,609 | $2,121 |
Not-at-fault accident | $1,316 | $1,532 | $1,745 | $2,335 | $2,237 |
Open container | $1,029 | $2,319 | $1,907 | $2,609 | $2,121 |
Passing a school bus | $1,253 | $2,319 | $1,907 | $2,609 | $2,275 |
Racing | $1,316 | $3,175 | $1,907 | $3,647 | $2,121 |
Reckless driving | $2,725 | $2,122 | $1,907 | $3,647 | $8,016 |
Running a red light | $1,029 | $1,761 | $1,907 | $2,609 | $2,275 |
Speeding | $1,253 | $1,761 | $1,907 | $2,798 | $2,275 |
Suspended license | $1,029 | $2,978 | $1,907 | $3,647 | $4,459 |
Cheapest car insurance for drivers with bad credit in Hartford, CT
While some states prevent insurance companies from using your credit score to set your insurance rates, Connecticut isn’t one of them. Insurance companies in Hartford can use your credit score to help determine your rates, and drivers with bad credit will pay more for coverage.
This means working to improve your credit score is one way to save money on car insurance. But if you do have poor credit, our analysis found that GEICO is the cheapest car insurance company for Hartford drivers with low credit scores.
Company | Annual rates for drivers with low credit score |
|---|---|
GEICO | $1,604 |
Kemper | $2,520 |
USAA | $2,607 |
Progressive | $3,295 |
State Farm | $3,583 |
Buying car insurance in Hartford, CT
Car insurance is required by law in almost every state, and every state has minimum insurance requirements.
Connecticut drivers who don’t have at least the minimum required amount of car insurance could be fined or have their registration canceled.
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage per accident: $25,000
Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident
If you’re in an accident, the minimum insurance requirements in Connecticut may not be enough to cover all the damage and medical expenses. This means drivers who only have minimum levels of liability coverage could exceed the limits of their car insurance coverage and wind up having to pay out of pocket.
Having the highest levels of liability insurance that you can afford is the best way to make sure you are protected in the event of an at-fault accident. You should also add comprehensive and collision coverage to your policy if you can’t afford to repair or replace your vehicle out-of-pocket.
Is Connecticut a no-fault state?
No, Connecticut is an at-fault state, which means you don’t need personal injury protection (PIP). In an a-fault state, if you cause a car accident, you have to pay for any injuries or property damage associated with the accident. Your liability insurance covers the cost of the other driver’s car repairs and medical expenses if you are found at fault, but only up to the limits of your policy.
How to get cheap car insurance in Hartford, CT
One of the most reliable ways to save money on car insurance in Hartford is by taking advantage of any available discounts.
Most car insurance companies offer similar discounts, but each company has their own rules and processes, so you may find some discounts through one company that aren’t available through another. Some of the most common car insurance discounts include:
Good student discount: Full time students who have a high GPA are usually eligible for a good student discount.
Bundling discount: Buying multiple policies from the same company (home and auto, or auto and renters) usually comes with a significant discount.
Group/employer/professional discount: Nurses, teachers, and firefighters are just a few of the people who may be entitled to a discount based on their job.
Safe driver discount: Drivers who maintain a clean driving record may be eligible for a safe driver discount.
Multi-car discount: Insuring more than one vehicle on the same policy can usually save you money.
Accident-free discount: If you don’t have any accidents on your driving record, you may be eligible for an accident-free discount.
Low mileage discount: Drivers who don’t drive much may be eligible for a discount based on their annual mileage.
Military discount: Many insurance companies offer discounts for both active and retired members of the military.
There are lots of ways to save money on your car insurance, but the best way to keep your rates low is to compare quotes from multiple companies. Reshop your car insurance every year to make sure you are paying the best rates.
Frequently asked questions
How much is car insurance per month in Connecticut?
The average cost of car insurance in Connecticut is $149.16 per month. Drivers in Hartford pay an average of $204.50 per month for car insurance, which is $55.34 higher than the state average.
What is the cheapest car to insure in Connecticut?
Car insurance companies consider speed, safety features, and the cost to repair or replace a vehicle when calculating rates. According to our research, the Ford F150 and the Honda CR-V are the two of the cheapest popular cars to insure.
Who has the cheapest car insurance rates in Hartford?
With an average rate of $1,032 per year, GEICO has the cheapest car insurance in Hartford.
Is there low income car insurance in Hartford, CT?
Some states (California, Hawaii, and New Jersey) have subsidized auto insurance programs for low income residents, but Connecticut isn’t one of them. The best way to save money on car insurance in Hartford is to compare quotes between multiple companies and take advantage of any available discounts.
