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Hartford, CT

In the market for auto insurance in Hartford, CT? At AutoInsuranceEZ.com, you will find the very best insurance rates near you. To get free car insurance quotes from the very best providers today, type your zip code into the quote box on this page.

Hartford might just possess everything you could want in a city. There are miles of beaches and parks in which to enjoy your spare time, in addition to the thriving business community. In fact, Hartford is #3 on the list of top 10 cities for doing business within the United States.

  • Fun Fact: Did you know that Hartford is #1 on the list of “Top 101 cities with largest percentage of males in occupations: Farmers and farm managers (population 50,000+)”? Learn more about Hartford.

Auto Insurance Coverage Requirements in Connecticut

To drive legally in the state of Connecticut, you will need:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

 
Are you still making payments on a new car? Well, it’s important to let your insurance company know up front. Many lenders won’t let you purchase any kind of insurance which doesn’t contain Comprehensive and Collision coverage. Otherwise, you’ll probably be free to buy a liability only policy.

Did you know that the average monthly payment for motorists in Connecticut can be as high as $137 per month? However, in Hartford, you can get insured for as low as $59/mo* of you know how to play your cards right.

Average Monthly Auto Insurance Premiums Legend: Hartford Allstate State Farm Liberty Mutual Amica Victoria 10 20 30 40 50 60 70 80 90 100 110 $59 $68 $91 $87 $115

 

If you want a competitive rate, you can’t seem to go wrong with Amica, Allstate, or State Farm. In order to learn more about these companies, as well as their local competitors, you’re going to want to compare as many free quotes online as you can find.

Auto insurance carriers consider several factors when figuring out insurance quotes, including marital status, occupation, years of driving experience, past tickets, and business use of the vehicle. Also keep in mind that premiums differ from company to company. To verify you’re still being charged the most favorable rate, keep reading and discover ways to save on auto insurance in Connecticut!

Major Car Insurance Factors in Hartford

There is a wide array of various items that can factor into the rate quotes you are given. Even though many of these things aren’t really anything you can do something about, a few of them are factors which you can change for the better. Here are some elements that might alter your car insurance premium:

  • Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Hartford is 125,017 and the median household income is $27,417.

Auto Insurance by Zip Code Legend: Bridgeport New Haven Hartford Stamford Waterbury Allstate State Farm Liberty Mutual Amica Victoria 10 20 30 40 50 60 70 80 90 100 110 $58 $60 $59 $51 $64 $69 $65 $68 $58 $66 $75 $87 $91 $48 $70 $94 $92 $87 $58 $72 $98 $94 $115 $78 $92

 

  • Automotive Accidents

If you live in an area with a lot of traffic, odds are that the crash statistics will be higher as well. As you can see from the chart, Hartford had only 11 fatal accidents in 2013, which was lower than the year before.

Fatal Accidents in Hartford, CT Legend: Hartford Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 11 17 1 13 28 3

 

  • Auto Thefts in Hartford

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in 2013 was 639 for Hartford – a significant drop from previous years. Remember, adding Comprehensive coverage to your auto policy is the only way to protect yourself from theft.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allstate State Farm Liberty Mutual Amica Victoria 25 50 75 100 125 150 175 200 225 250 $59 $161 $68 $138 $91 $266 $87 $166 $115 $197

 

  • Your Credit Score

Why do auto insurance companies look at your credit score before they determine your rate? Well, the working logic is that people with higher credit scores are more likely to pay their premiums on time each month. This reduces the financial risk for the insurance company, and they reward their customers with lower rates. In the chart below, you can see how drastically different rates can be depending on whether you have excellent or poor credit:

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allstate State Farm Liberty Mutual Amica Victoria 15 30 45 60 75 90 105 120 135 150 $45 $85 $57 $123 $79 $141 $59 $138 $110 $160

 

  • Your Age

Statistically speaking, young and inexperienced drivers are the most likely to get into an accident. That’s why older drivers get charged lower monthly rates – because the insurance company is not taking on a huge financial risk by insuring them. If you are a young teenage driver, try looking into good student discounts, as well as Drivers Ed and defensive driving courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allstate State Farm Liberty Mutual Amica Victoria 40 80 120 160 200 240 280 320 360 400 $59 $238 $68 Do Not Sell $91 $387 $87 $399 $115 $413

 

  • Your Driving Record

In this chart, you can see how much you can save with a clean driving record vs. the much higher rates you can expect to pay if you’ve had a minor traffic citation or committed a serious offense (such as reckless driving or getting a DUI). Some companies may refuse to insure you for serious traffic violations. Other companies may have an “accident forgiveness” policy, which means they won’t charge you higher rates if you have one minor violation on an otherwise perfect record. Contact your insurance provider for more information on accident forgiveness.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate State Farm Liberty Mutual Amica Victoria 25 50 75 100 125 150 175 200 225 250 $59 $59 $85 $93 $68 $74 Do Not Sell $74 $91 $91 Do Not Sell $162 $87 $114 $273 $101 $115 $144 $156 $178

 

  • Your Vehicle

Confused about which vehicles are cheaper to insure than others? Well, so are most insurance companies. But one thing they are very clear on, however, is that more expensive vehicles (such as luxury cars) should be charged a higher premium than your typical, compact sedan. This sentiment is reflected in the chart below, where you can see that carrying auto insurance on a luxury vehicle is significantly more expensive than with your typical sedan.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Allstate State Farm Liberty Mutual Amica Victoria 30 60 90 120 150 180 210 240 270 300 330 $59 $198 $68 $184 $91 $279 $87 $174 $115 $359

 

Minor Car Insurance Factors in Hartford

You may or may not be aware of the following factors which can alter your monthly rate:

  • Your Marital Status

Whether you are single or married, as an individual, your marital status will not influence your monthly rate by more than a few percentage points, if at all. However, married couples can get access to lower rates by bundling their policies together with the same company. You can get further discounts by bundling homeowner’s insurance, or renter’s insurance to your auto policies.

  • Your Gender

No matter what you may have heard, there is no significant difference in risk between male and female drivers – according to most insurance companies. If your provider charges a different rate at all, it should amount to no more than 2-3%. And some companies reward female drivers, while other providers charge less for males.

  • Your Driving Distance to Work

Typical work commute driving time can range between 19-29 minutes for workers in Hartford. And in regards to how they get to work, about 55% prefer to drive their own car. Between 9-36% carpool, depending on what part of the city they live in.

Driving fewer miles each year, or reserving your vehicle for trips to and from work only, won’t save you much on your monthly rates. The only thing which will influence your price is whether or not you designate your vehicle as “for business” use. Business vehicles are typically charged 10-12% more each month.

  • Your Coverage and Deductibles

Purchasing more coverage means that your insurance company will, more than likely, charge you a higher monthly rate. You can help offset this cost and make your comprehensive coverage more affordable by choosing to raise your deductible. However, keep in mind that you will have to pay that money upfront in the event of an accident.

  • Education in Hartford, CT

Most Hartford motorists have either not yet completed their high school education, or possess a high school diploma. But did you know that the higher your education, the more money you can save on car insurance? It’s true! Many insurance companies give discounted rates to those with associates or bachelor’s degrees. Some of these discounts are even bigger than what you might expect from having a high-paying salary or a prestigious job title.

Hartford has a great number of universities and technical schools to choose from. The University of Hartford is perhaps the largest, offering over 100 undergraduate and graduate programs to prospective students. Additionally, there is also Trinity College, which is the second oldest university in the state behind Yale. And St. Joseph College is a unique choice for those interested in an all-girls’ school.

Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Connecticut Insurance Department

Connecticut Department of Banking – Financial Institutions Division

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Connecticut Drivers? See How Much You Can Save on Car Insurance in Your Area!

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