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Cheap Auto Insurance Quotes in Hartford, CT (July 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
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.

Quick Facts

  • The average cost of car insurance in Hartford is $305 per month, or $3660 annually.
  • Car insurance in Hartford is $81 more than the average cost of car insurance in Connecticut.
  • The cheapest car insurance provider in Hartford on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

GEICO
$123
Travelers
$220
Nationwide
$275
The General
$539

Cheapest Car Insurance in Hartford, CT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in HartfordQuotes
GEICO$123 /mo
Travelers$220 /mo
Nationwide$275 /mo
The General$539 /mo

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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 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.
Best CompaniesScoreQuotes
American Family89$366 /mo
Nationwide89$453 /mo
Liberty Mutual82$324 /mo

Average Car Insurance Cost

Connecticut Cities
Bridgeport$285/mo
New Haven$219/mo
Stamford$202/mo
Waterbury$224/mo
Hartford$289/mo
Connecticut$244/mo
Stamford
$202
New Haven
$219
Waterbury
$224
Average for CT
$244
Bridgeport
$285
Hartford
$289
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Connecticut

All motor vehicles operated or parked on Connecticut[1] roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

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

The minimum liability insurance requirements for private passenger vehicles in Connecticut are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Connecticut is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured/underinsured motorist bodily injury
  • $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Connecticut, you’re required to purchase insurance that covers bodily injuries under these circumstances.

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
teens$792
20s$421
30s$278
40s$269
50s$226
60s$235
70s$238
80s$306

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.

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 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 TierAvg. Monthly Cost
Excellent$266
Good$338
Average$386
Poor$381

Find local Hartford agents

  • AssuredPartners New England, Inc.

    1 Financial Plz,
    Hartford, CT 06103-4305
  • Tinker Realty & Insurance

    1136 Albany Avenue,
    Hartford, CT 06112-2316
  • Shimkus, Murphy & Lemkuil, Inc.

    380 New Britain Avenue,
    Hartford, CT 06106-3832
  • Nelson Insurance Inc

    821 Maple Ave,
    Hartford, CT 06114
  • 'People''s United Insurance Agency, Inc.'

    1 Financial Plz,
    Hartford, CT 06103-2608
  • R-T Specialty, LLC

    20 Church St Ste 1500,
    Hartford, CT 06103-1247
  • Sentinel Insurance Company, LTD

    1 Hartford Plaza,
    Hartford, CT 06105
  • Northland Insurance Agency

    1 Tower Square,
    Hartford, CT 06103
  • Amica Mutual Insurance Company

    101 E River Dr Fifth Floor,
    East Hartford, CT 06108
  • Travelers Insurance

    300 Windsor St,
    Hartford, CT 06120
View more

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.

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.

 

FAQs - Hartford, CT Car Insurance

  • 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.
  • 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.
  • 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.
  • 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. Insurify.com provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Hartford Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Hartford, Connecticut below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Hartford drivers measure up to their fellow motorists across Connecticut in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Hartford

#15

City with the Most Speeding Tickets Rank in Connecticut

#19

City with the Most Moving Violations Rank in Connecticut

#13

City with the Most DUIs Rank in Connecticut

#3

City with the Most Suspended Licenses in Connecticut

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Hartford drivers rank 22 in the number of car accidents per driver across all cities in Connecticut.

    • Rank within state: #22
    • Percent of drivers in Hartford with an accident: 8.73%
    • Drivers in Hartford, CT with an accident in their driving history pay on average 29.68% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Connecticut, Hartford drivers rank 15 in the number of speeding infractions per driver.

    • Rank within state: #15
    • Percent of drivers in Hartford with a speeding ticket: 4.94%
    • Drivers in Hartford, CT with a speeding ticket in their driving history pay on average 52.58% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Hartford drivers rank 13 in the number of DUI’s per driver across all cities in Connecticut.

    • Rank within state: #13
    • Percent of drivers in Hartford with a DUI: 1.15%
    • Drivers in Hartford, CT with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Hartford is the Honda Accord.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Connecticut, Hartford drivers rank 5 in rude driving infractions.

    • Rank within state: #5
    • Percent of drivers in Hartford with a reckless driving violation: 1.83%
    • Drivers in Hartford, CT with a reckless driving violation in their driving history pay on average 48.71% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Hartford drivers rank 4 in clean driving records across all cities in Connecticut.

    • Rank within state: #4
    • Percent of drivers in Hartford with clean record: 86.13%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Hartford drivers rank 2 in failure to yield violations per driver across all cities in Connecticut.

    • Rank within state: #2
    • Percent of drivers in Hartford with a failure to yield violation: 0.41%
    • Drivers in Hartford, CT with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Connecticut, Hartford drivers rank 7 in the number of reckless driving offenses per driver.

    • Rank within state: #7
    • Percent of drivers in Hartford with a reckless driving offense: 0%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Hartford drivers rank 25 in hybrid and electric vehicle ownership across all cities in Connecticut.

    • Rank within state: #25
    • Percent of drivers in Hartford with a hybrid/electric vehicle: 0.19%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Insurance Content Project Manager

Tanveen Vohra is an insurance content project manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Connecticut Department of Insurance. "State Minimum Car Insurance." Accessed May 28, 2022