Cheapest Car Insurance Quotes in Hartford

A minimum-coverage car insurance policy in Hartford costs an average of $346 per month, according to data from Insurify. That’s about 37% more expensive than the statewide Connecticut average of $252.

A likely reason why: Hartford is one of Connecticut’s largest cities, with a population of more than 120,000 people. Drivers in urban areas typically pay a higher rate for auto insurance than people living in small towns or rural areas.

How much does car insurance cost in Hartford?

The actual cost you’ll pay for car insurance in Hartford can vary widely, depending on factors like the value of your vehicle, your driving history, how much you drive, and your credit. That’s why it’s so important to shop around for an auto insurance policy. One insurer may offer you a much better deal than you’d find at another.

To find the cheapest quotes on average, Insurify data scientists crunched the numbers on the latest insurance rates from a wide variety of companies doing business in Hartford. The average monthly cost for a car insurance policy ranged from $169 to $639 for a full-coverage policy and $113 to $484 for a liability-only policy.

• Kemper Preferred Insurance has the cheapest liability-only insurance coverage in Hartford, at an average of $119 per month.

• Kemper Preferred also has the lowest-cost full-coverage auto insurance policy in Hartford, averaging $169 per month.

• For young drivers, Travelers Insurance offers the cheapest auto insurance. Policies for this age group average $174 per month.

Learn More: Cheap Car Insurance in Connecticut

Cheapest car insurance in Hartford: Kemper Preferred

At an average cost of $162 per month, Kemper Preferred Insurance offers the cheapest car insurance rates in Hartford. This figure takes into account both full-coverage policies and liability-only policies that fulfill Connecticut’s required minimums.

But the rate you’re quoted may vary based on a variety of factors ranging from the type of car you drive to where you park your car for the night. Here’s a look at average monthly costs, by insurer, for drivers in Hartford.

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists and insurance experts weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

How much car insurance do you need in Hartford?

The state of Connecticut requires you to carry both liability insurance and uninsured motorist insurance in order to legally drive. The state sets required minimum amounts but encourages drivers to purchase policies with higher limits.

Hartford drivers could face additional risk from flooding of the Connecticut River, which flows through the heart of downtown. The city is also prone to property damage from tornadoes and thunderstorms. This means full coverage and higher liability limits could be warranted.

Minimums insurance requirements for Hartford drivers are:^[1]

• $25,000 per person and $50,000 per accident in bodily injury liability coverage

• $25,000 per accident in property damage liability coverage

• $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage

If you’re found at fault in an accident, your liability insurance pays for injuries and damages in the other vehicle. It doesn’t pay for any injuries or damages you sustain. You’ll need full-coverage insurance for that. Uninsured motorist coverage covers you if you’re in an accident that an uninsured driver caused.

Proof of insurance is required to register a vehicle in Connecticut, and you need to keep valid insurance as long as you drive.^[2] You’ll also need to have proof of insurance in your vehicle at all times, and you may need to provide this proof if you’re stopped by law enforcement or involved in an accident.

Insurance companies must notify the state Department of Motor Vehicles if you cancel your policy, and you may receive a warning notice if you drop your insurance — and ultimately pay a $200 fine. If you switch policies, you may be required to provide documentation of your new policy.^[3]

Learn More: How Long Does an Accident Affect Your Insurance Rates?

Connecticut DMV information

Connecticut’s Department of Motor Vehicles is the government agency responsible for issuing driver’s licenses, registering vehicles, and keeping a record of auto insurance information for drivers in the state.

In-person service at DMV locations is by appointment only, but you can get most of its services done online. This includes renewing a driver’s license or car registration, requesting a duplicate license, or checking that your car insurance complies with the law.

Tips for getting cheap car insurance in Hartford

Car insurance isn’t always cheap, but you can reduce the rate you pay with a few different strategies:

• Bundle insurance policies. When you buy multiple insurance policies from the same company, like home and auto insurance, this is called bundling. Insurance companies often offer discounts to people who bundle two or more policies.

• Choose a higher deductible. Your deductible is the amount you pay out of pocket toward a claim before insurance kicks in to cover the rest. The higher your deductible, the lower your monthly premium costs tend to be. However, be sure you can afford the deductible you choose so you’re not caught in a tight financial spot if you need to file a claim.

• Improve your credit score. Insurers generally look at your credit while setting car insurance rates. Boosting your credit score could lower your car insurance costs. The best way to improve your credit score is to always pay your bills on time.

• Seek out discounts. You may be able to qualify for a lower “group rate” on auto insurance through an organization you’re a member of, such as your employer or university alumni association. Some insurers also offer discounts to drivers who install safety features in their cars, like anti-theft devices.

Because car insurance rates can vary significantly from company to company, it’s vital to shop around and compare quotes before buying a policy.

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Hartford

Your age can have a significant effect on the rate you pay for car insurance. Younger drivers typically pay higher insurance rates since older and more experienced drivers tend to be in fewer accidents. In Hartford, average car insurance rates drop dramatically once you enter your 20s and steadily decrease until you reach middle age.

Cheapest car insurance for young drivers in Hartford

Travelers Insurance offers the cheapest average car insurance rates for young drivers in Hartford. The averages below are for full-coverage policies.

If you’re a young driver, you may save money on car insurance by being included on your family’s insurance plan rather than purchasing a policy of your own. You may also qualify for a discount by earning good grades or taking driver education courses.

Cheapest car insurance for middle-aged drivers in Hartford

Once you’re older than 25, your insurance rates will likely start to drop — especially if you’ve maintained a good driving record. For middle-aged drivers, State Auto offers the lowest-cost full-coverage insurance policy in Hartford. The averages below are for full-coverage policies.

If you’re a middle-aged driver, should be sure to shop around and compare quotes to make sure you’re getting the best deal on your car insurance policy. You may also find a group discount through your employer or college alumni association.

Cheapest car insurance for senior drivers in Hartford

Senior drivers typically have the lowest insurance rates of any age group. Plymouth Rock offers the cheapest average car insurance rates for senior drivers in Hartford. The averages below are for full-coverage policies.

Seniors who no longer commute to work may qualify for low-mileage discounts. If you drive an older vehicle, you may also consider reducing coverage levels to save money. It may not be cost-effective to carry collision or comprehensive insurance on an older car if the premium is more than 10% of the value of the vehicle.

How credit scores affect cheap car insurance in Hartford

Many insurance companies look at your credit when determining your car insurance rate. That’s because research has shown that people with lower credit scores tend to file claims more regularly. The higher your score, the lower your car insurance rates will generally be.^[4]

The state of Connecticut allows insurers to consider credit scores when setting auto coverage rates. However, companies must disclose to the state insurance commissioner and potential customers the process they use to do so.

In general, a credit score between 800 and 850 is excellent, and between 740 and 799 is very good. Scores between 670 and 739 are good and between 580 and 669 are fair. Anything below 580 is considered poor. Drivers with bad credit tend to pay the highest rates.

Average rates listed below are for full-coverage policies in Hartford.

Learn More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Hartford

• Cheapest car insurance with an accident in Hartford: Kemper Preferred

• Cheapest car insurance with a speeding ticket in Hartford: Kemper Preferred

Your driving habits and driver record have a major effect on the rates you pay for car insurance. Safe drivers with a clean record will pay significantly lower rates than people with a history of speeding tickets and accidents. Higher-risk drivers pay higher rates, and if you’re required to file an SR-22 with the state, you’ll tend to pay more as well.

Car insurance in other Connecticut cities

Car insurance costs can vary significantly from city to city within a state. Here’s a look at car insurance rates in some other Connecticut locations:

• Cheap Auto Insurance Quotes in Bridgeport, CT

• Cheap Auto Insurance Quotes in New Haven, CT

• Cheap Auto Insurance Quotes in Norwalk, CT

• Cheap Auto Insurance Quotes in Stamford, CT

• Cheap Auto Insurance Quotes in Waterbury, CT

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