Cheap Auto Insurance Quotes in Hartford, CT (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Welcome to The Insurance Capital of the World

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 more than just a roadtrip resting place.  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 Hartford, Connecticut.

Car Insurance in Hartford, CT

The average cost of Connecticut car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Hartford, CT to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Hartford, CT

Here are the cheapest carriers in Hartford for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance 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 carrier reviews. The following are the top rated carriers that offer car insurance in Hartford. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Hartford, CT Driving Facts

Minimum Car Insurance Requirements in CT

All motor vehicles operated or parked on Connecticut roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Connecticut auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Connecticut law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Connecticut are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)
  • $25,000/accident for Property Damage (PD)
  • $25,000 per person/$50,000 per accident Uninsured Motorist Bodily Injury (UMBI)

Hartford Car Insurance Rates by Driver Age

At $791 per month, most teenagers will have a tough time paying for car insurance without mom and dad’s help. Connecticuters can expect car insurance prices to go down as they add more years of driving experience. Just a few years for the young adults results in more than $350 in monthly savings. The rates continue to trend down, with most people over 30 paying less than the state’s $297 average. People in their 50s get the best deal and pay $550 less than the youngest drivers.

Driver's AgeAvg. Monthly Cost
Driving HistoryAvg. Monthly Cost
No Violation$359
Speeding Ticket$386
At-Fault Accident$377
Failure to Stop for Red Light / Stop Sign$295

Hartford Car Insurance Rates by Driving and Accident History

In the Constitution State, safe driving rewards people on the road and at the bank. Insurance companies provide “good driver” and “accident-free” discounts to those with clean records. Why do people with a failure to stop pay less than those with no violations? Drivers with violations often choose bare-bones policies, meaning they may choose liability only and not comprehensive or collision coverage. Drivers with violations or at-fault accidents on their records will be relieved to know that the mishaps stop affecting insurance rates after three years.

Hartford Car Insurance Rates by Credit Tier

It may surprise Hartford residents that credit makes such a dramatic difference in what they pay for monthly premiums. Like most states, Connecticut allows insurance companies to rate drivers based on credit. Generally, the better credit drivers have, the less they pay for car insurance. So, why do those with poor credit pay less than those with average credit? People with better credit often finance costlier cars and buy more coverage to protect their assets. Either way, a move from average credit to excellent credit saves $120 per month, an over $1,400 per year price cut.

Credit TieAvg. Monthly Cost

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 and Lyft, plus 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.


Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Hartford stacks up for the state of Connecticut:

Honda Accord
Most Popular Car in
Hartford, CT
suspended licenses
Cities with Most
Suspended Licenses Rank

FAQs - Hartford, CT Car Insurance

How is fault assigned after a car accident in Connecticut?

As a fault-based state, after a car accident, the driver found at-fault will be responsible for compensating other drivers and passengers for property damage and bodily injury. Blame may be split amongst multiple drivers, and damages would be split accordingly.

What happens if I drive uninsured in Connecticut?

Driving uninsured puts yourself and those around you at great risk. An estimated 9.4 percent of drivers on Connecticut roads are uninsured or underinsured. If caught, uninsured drivers face hundreds in fines, civil penalties, license and registration suspension, SR-22 requirements, and even jail time.

What is the punishment for committing a DUI in Connecticut?

DUIs can really damage a driver’s driving record. The punishment can be severe, too; Connecticut drivers risk two days to six months in jail, $500 to $1,000 in fines, 45-day license suspension, and interlocking ignition devices in their vehicles after their first DUI offense. Punishments worsen with subsequent offenses.

Which insurance company offers the cheapest auto insurance in Connecticut?

The best way to get the cheapest car insurance in Connecticut and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. provides the cheapest car insurance quotes and companies in your area in just a few seconds.