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.
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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.
|Failure to Stop for Red Light / Stop Sign||$295|
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.
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.
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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.
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Hartford drivers measure up to their fellow Connecticut motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.