Hartford, CT Auto Insurance | Cheap Car Insurance in Hartford, CT

Hartford, CT auto insurance requires drivers to have 20/40/10 in liability coverage. Cheap car insurance in Hartford, CT can start at $59/month with Allstate. Some of the best Hartford, CT car insurance companies include: Allstate, State Farm, Liberty Mutual, Amica, and Victoria.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Cheap car insurance in Hartford, CT is offered by Allstate with rates as low as $59 per month. Other best Hartford, CT car insurance companies such as Allstate, State Farm, Liberty Mutual, Amica, and Victoria also offer competitive premiums. Connecticut auto insurance requires you to have 20/40/10 minimum in liability coverage. This means Liability insurance will pay if the driver is responsible for the accident. We recommend carrying more than the Hartford, CT auto insurance minimum in the event of a worst-case scenario.

Hartford might just possess everything you could want in a city. In addition, 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 the largest percentage of males in occupations: Farmers and farm managers (population 50,000+)”?

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

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 Hartford, Connecticut auto 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, you can get Hartford, CT auto insurance rates as low as $59/mo* of you know how to play your cards right.

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Who has the Cheapest Car Insurance in Hartford, Connecticut?

Average Monthly Auto Insurance PremiumsLegend: Hartford Allstate State Farm Liberty Mutual Amica Victoria 102030405060708090100110$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 the cheapest auto insurance in Hartford, Connecticut.

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 affordable car insurance in Hartford, Connecticut differ from company to company. To verify you’re still being charged the most favorable rate, keep reading and discover ways to save on Hartford, Connecticut automobile insurance!

Major Factors in Cheap Car Insurance in Hartford, Connecticut

There is a wide array of various items that can factor into the Hartford, CT auto insurance 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 CodeLegend: Bridgeport New Haven Hartford Stamford Waterbury Allstate State Farm Liberty Mutual Amica Victoria 102030405060708090100110$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, CTLegend: Hartford Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 5101520251117113283

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 PolicyLegend: Basic Coverage Comprehensive Coverage Allstate State Farm Liberty Mutual Amica Victoria 255075100125150175200225250$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 ScoreLegend: Excellent Credit Poor Credit Allstate State Farm Liberty Mutual Amica Victoria 153045607590105120135150$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 ComparisonLegend: 34 Year Old 17 Year Old Allstate State Farm Liberty Mutual Amica Victoria 4080120160200240280320360400$59$238$68Do 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 one of the Hartford, CT auto insurance companies for more information on accident forgiveness.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate State Farm Liberty Mutual Amica Victoria 255075100125150175200225250$59$59$85$93$68$74Do Not Sell$74$91$91Do 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/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder Allstate State Farm Liberty Mutual Amica Victoria 306090120150180210240270300330$59$198$68$184$91$279$87$174$115$359

Minor Factors in Cheap Auto Insurance in Hartford, Connecticut

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.

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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

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