Click here for our full-length guide to Connecticut car insurance quotes, discounts, and state requirements.

Car travel is the main mode of transportation for nearly 120,000 drivers in Hartford. Finding the right car insurance policy for you and your lifestyle is a vital step towards safe driving in Connecticut. 

Halfway between New York City and Boston, Connecticut’s capital city, Hartford, is known as the “Insurance Capital of the World”.  Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Hartford. Compare and save on the best and cheapest car insurance quotes in Connecticut here.

Find cheap car insurance quotes for Hartford today.

Cheapest Car Insurance Quotes in Hartford, CT

Here are the cheapest insurance companies in Hartford based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuote
The General$539/month

USAA often offers the lowest car insurance rates to Connecticut drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Hartford, CT

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Hartford. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuote
Nationwide 84$275/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Hartford has much higher premiums compared to state and national averages. Fret not, though, find savings and compare policies on Insurify today. 

Hartford Average Premium Connecticut Average Premium National Average Premium
$289/month $244/month


Hartford Auto Insurance Requirements 

Before operating on Connecticut roadways, Connecticut drivers must ensure their motor vehicle holds sufficient liability insurance.

Liability coverage is a safety necessity.

In Connecticut, state minimum coverage limits for liability car insurance are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Hartford auto insurance rates.

Read more about Connecticut car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

Hartford DMV Information 

Surprisingly, there are no DMV outposts in the city of Hartford. There is, however, a DMV office in Wethersfield, just south of Hartford. Their operating hours are 9 AM to 5 PM with varying morning and weekend hours. You may be able to skip your visit altogether and utilize their online portal to get the answers and services you need. 

Public Transit in Hartford

Due to its proximity to other cities, Hartford benefits from lots of public transportation options. The CT Transit System offers visitors and residents convenient, affordable, and sprawling bus services in and around the city. Amtrak and Greyhound provide train and long haul bus services at stations in and near Hartford. Ridesharing services like Uber, Lyft, and traditional taxis also operate across the city.

Conclusion: How to get the best and cheapest car insurance in Hartford 

As New England drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

There are nearly 1.4 million registered vehicles in Connecticut- and with an estimated 9.4 percent of Connecticut vehicles driving uninsured, with driving comes huge risk. Don’t become just one more uninsured motorist—use Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated February 11, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.