Cheap Auto Insurance Quotes in Hartford, CT (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$123
$220
$275
$539
GEICOTravelersNationwideThe General
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$244
$285
$219
$202
$224
$289
ConnecticutBridgeportNew HavenStamfordWaterburyHartford
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Hartford, CT Driving Facts

connecticut

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.

Driving History
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.

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.

 

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

Insurify Insights: How Hartford Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Hartford, CT
suspended licenses
#7
Cities with Most
Suspended Licenses Rank

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.

Accidents Hartford

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 paid on average 29.68% more than drivers with a clean record

Speeding Hartford

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 paid on average 52.58% more than drivers with a clean record

DUI/DWIs Hartford

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 paid on average --% more than drivers with a clean record

Most Popular Vehicle Hartford

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.

Rude Hartford

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 paid on average 48.71% more than drivers with a clean record.

Safest Drivers Hartford

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%

Failure to Yield the Right of Way Hartford

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 paid on average --% more than drivers with a clean record

Reckless Drivers Hartford

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: --%

Hybrid/Electric Vehicle Ownership Hartford

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%
Most Patriotic City

Most Patriotic City

Hartford

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Stamford won Insurify's Most Patriotic Cities Award for the state of Connecticut.


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

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.