Cheapest Car Insurance Quotes in Hartford

Kemper Preferred, Travelers Insurance, and State Auto offer the cheapest full-coverage car insurance in Hartford.

Andrew Dunn
Written byAndrew Dunn
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Andrew Dunn

Andrew Dunn is a veteran business and finance writer with more than a decade of experience covering the industry for publications including The Charlotte Observer and Business North Carolina magazine. His work has been recognized numerous times by the Society of American Business Editors and Writers and the N.C. Press Association. Andrew earned a degree in journalism from the University of North Carolina at Chapel Hill, as well as a certificate in business journalism and a minor in Spanish. He lives in Charlotte, N.C

Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated December 5, 2022

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How much does car insurance cost in Hartford?

The actual cost you’ll pay for car insurance in Hartford can vary widely, depending on factors like the value of your vehicle, your driving history, how much you drive, and your credit. That’s why it’s so important to shop around for an auto insurance policy. One insurer may offer you a much better deal than you’d find at another.

To find the cheapest quotes on average, Insurify data scientists crunched the numbers on the latest insurance rates from a wide variety of companies doing business in Hartford. The average monthly cost for a car insurance policy ranged from $169 to $639 for a full-coverage policy and $113 to $484 for a liability-only policy.

  • Kemper Preferred Insurance has the cheapest liability-only insurance coverage in Hartford, at an average of $119 per month.

  • Kemper Preferred also has the lowest-cost full-coverage auto insurance policy in Hartford, averaging $169 per month.

  • For young drivers, Travelers Insurance offers the cheapest auto insurance. Policies for this age group average $174 per month.

Learn More: Cheap Car Insurance in Connecticut

Cheapest car insurance in Hartford: Kemper Preferred

At an average cost of $162 per month, Kemper Preferred Insurance offers the cheapest car insurance rates in Hartford. This figure takes into account both full-coverage policies and liability-only policies that fulfill Connecticut’s required minimums.

But the rate you’re quoted may vary based on a variety of factors ranging from the type of car you drive to where you park your car for the night. Here’s a look at average monthly costs, by insurer, for drivers in Hartford.

Insurance CompanyInsurify Composite Score (ICS)
The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.
Liability OnlyFull Coverage
Kemper PreferredN/A$113$169
Travelers80N/A$218
State Auto76$139$253
Safeco86$179$231
StillwaterN/AN/A$278
Midvale Home & AutoN/A$199$295
ProgressiveN/A$204$330
Liberty Mutual82$234$329
Plymouth RockN/A$263$314
Nationwide89$310$327
National General58$344$411
CSAAN/A$421$494
Direct AutoN/A$437$418
Bristol WestN/A$485$639
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists and insurance experts weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

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How much car insurance do you need in Hartford?

The state of Connecticut requires you to carry both liability insurance and uninsured motorist insurance in order to legally drive. The state sets required minimum amounts but encourages drivers to purchase policies with higher limits.

Hartford drivers could face additional risk from flooding of the Connecticut River, which flows through the heart of downtown. The city is also prone to property damage from tornadoes and thunderstorms. This means full coverage and higher liability limits could be warranted.

Minimums insurance requirements for Hartford drivers are:[1]

  • $25,000 per person and $50,000 per accident in bodily injury liability coverage

  • $25,000 per accident in property damage liability coverage

  • $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage

If you’re found at fault in an accident, your liability insurance pays for injuries and damages in the other vehicle. It doesn’t pay for any injuries or damages you sustain. You’ll need full-coverage insurance for that. Uninsured motorist coverage covers you if you’re in an accident that an uninsured driver caused.

Proof of insurance is required to register a vehicle in Connecticut, and you need to keep valid insurance as long as you drive.[2] You’ll also need to have proof of insurance in your vehicle at all times, and you may need to provide this proof if you’re stopped by law enforcement or involved in an accident.

Insurance companies must notify the state Department of Motor Vehicles if you cancel your policy, and you may receive a warning notice if you drop your insurance — and ultimately pay a $200 fine. If you switch policies, you may be required to provide documentation of your new policy.[3]

Learn More: How Long Does an Accident Affect Your Insurance Rates?

Connecticut DMV information

Connecticut’s Department of Motor Vehicles is the government agency responsible for issuing driver’s licenses, registering vehicles, and keeping a record of auto insurance information for drivers in the state.

In-person service at DMV locations is by appointment only, but you can get most of its services done online. This includes renewing a driver’s license or car registration, requesting a duplicate license, or checking that your car insurance complies with the law.

Tips for getting cheap car insurance in Hartford

Car insurance isn’t always cheap, but you can reduce the rate you pay with a few different strategies:

  • Bundle insurance policies. When you buy multiple insurance policies from the same company, like home and auto insurance, this is called bundling. Insurance companies often offer discounts to people who bundle two or more policies.

  • Choose a higher deductible. Your deductible is the amount you pay out of pocket toward a claim before insurance kicks in to cover the rest. The higher your deductible, the lower your monthly premium costs tend to be. However, be sure you can afford the deductible you choose so you’re not caught in a tight financial spot if you need to file a claim.

  • Improve your credit score. Insurers generally look at your credit while setting car insurance rates. Boosting your credit score could lower your car insurance costs. The best way to improve your credit score is to always pay your bills on time.

  • Seek out discounts. You may be able to qualify for a lower “group rate” on auto insurance through an organization you’re a member of, such as your employer or university alumni association. Some insurers also offer discounts to drivers who install safety features in their cars, like anti-theft devices.

Because car insurance rates can vary significantly from company to company, it’s vital to shop around and compare quotes before buying a policy.

Learn More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Hartford

Your age can have a significant effect on the rate you pay for car insurance. Younger drivers typically pay higher insurance rates since older and more experienced drivers tend to be in fewer accidents. In Hartford, average car insurance rates drop dramatically once you enter your 20s and steadily decrease until you reach middle age.

Quote Price by Age Group

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for young drivers in Hartford

Travelers Insurance offers the cheapest average car insurance rates for young drivers in Hartford. The averages below are for full-coverage policies.

InsurerAverage Monthly Rate
Travelers$174
State Auto$217
Nationwide$324
Progressive$372
Liberty Mutual$438
Kemper Preferred$186
Stillwater$249
Safeco$254
National General$406
Plymouth Rock$415
Midvale Home & Auto$424
Direct Auto$534
CSAA$790
Bristol West$810
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

If you’re a young driver, you may save money on car insurance by being included on your family’s insurance plan rather than purchasing a policy of your own. You may also qualify for a discount by earning good grades or taking driver education courses.

Cheapest car insurance for middle-aged drivers in Hartford

Once you’re older than 25, your insurance rates will likely start to drop — especially if you’ve maintained a good driving record. For middle-aged drivers, State Auto offers the lowest-cost full-coverage insurance policy in Hartford. The averages below are for full-coverage policies.

InsurerAverage Monthly Rate
State Auto$145
Travelers$179
Nationwide$251
Liberty Mutual$262
Progressive$294
Kemper Preferred$160
Plymouth Rock$206
Stillwater$209
Safeco$225
Midvale Home & Auto$241
Direct Auto$325
National General$332
CSAA$465
Bristol West$561
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

If you’re a middle-aged driver, should be sure to shop around and compare quotes to make sure you’re getting the best deal on your car insurance policy. You may also find a group discount through your employer or college alumni association.

Cheapest car insurance for senior drivers in Hartford

Senior drivers typically have the lowest insurance rates of any age group. Plymouth Rock offers the cheapest average car insurance rates for senior drivers in Hartford. The averages below are for full-coverage policies.

InsurerAverage Monthly Rate
Plymouth Rock$94
Liberty Mutual$105
Safeco$183
Bristol West$354
CSAA$428
Kemper Preferred$129
Midvale Home & Auto$160
Direct Auto$255
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Seniors who no longer commute to work may qualify for low-mileage discounts. If you drive an older vehicle, you may also consider reducing coverage levels to save money. It may not be cost-effective to carry collision or comprehensive insurance on an older car if the premium is more than 10% of the value of the vehicle.

How credit scores affect cheap car insurance in Hartford

Many insurance companies look at your credit when determining your car insurance rate. That’s because research has shown that people with lower credit scores tend to file claims more regularly. The higher your score, the lower your car insurance rates will generally be.[4]

The state of Connecticut allows insurers to consider credit scores when setting auto coverage rates. However, companies must disclose to the state insurance commissioner and potential customers the process they use to do so.

In general, a credit score between 800 and 850 is excellent, and between 740 and 799 is very good. Scores between 670 and 739 are good and between 580 and 669 are fair. Anything below 580 is considered poor. Drivers with bad credit tend to pay the highest rates.

Average rates listed below are for full-coverage policies in Hartford.

Quote Price by Credit Score

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Learn More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Hartford

  • Cheapest car insurance with an accident in Hartford: Kemper Preferred

  • Cheapest car insurance with a speeding ticket in Hartford: Kemper Preferred

Your driving habits and driver record have a major effect on the rates you pay for car insurance. Safe drivers with a clean record will pay significantly lower rates than people with a history of speeding tickets and accidents. Higher-risk drivers pay higher rates, and if you’re required to file an SR-22 with the state, you’ll tend to pay more as well.

Car Insurance CompanyClean RecordWith AccidentWith Speeding Ticket
Kemper Preferred$159$165$183
Travelers$177No data$184
State Auto$193No dataNo data
Stillwater$229No dataNo data
Safeco$231No data$245
Plymouth Rock$265$311$631
Nationwide$282No dataNo data
Progressive$283$653No data
Midvale Home & Auto$292$369$449
National General$316$371$550
Liberty Mutual$339$237$311
Direct Auto$414$618$233
CSAA$523$1,696$304
Bristol West$620$821$767
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance in other Connecticut cities

Car insurance costs can vary significantly from city to city within a state. Here’s a look at car insurance rates in some other Connecticut locations:

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 car insurance rates FAQs

  • How much does car insurance cost in Hartford?

    The average car insurance policy in Hartford costs $381 per month. But the rate you’re quoted can vary significantly based on the type of car you drive and your driving record, credit, and age.

    Your rate can also vary based on factors outside your control, such as the cost of repairing vehicles in your area, crime, and weather events. Different insurance companies also offer very different rates, making it vital to shop around.

  • What is the monthly average cost of car insurance in Connecticut?

    The average cost of car insurance across the state of Connecticut is $297 per month. That’s cheaper than the average cost in Hartford, one of the state’s largest cities. However, car insurance in Connecticut is more than twice the national average rate of $121 per month.

  • What are the cheapest companies selling insurance in Hartford?

    For most drivers in Hartford, the cheapest car insurance will come from Kemper Preferred Insurance. The company offers the cheapest rates for both full-coverage and liability-only policies, as well as the lowest-cost insurance for people with a clean driving record, speeding tickets, or an at-fault accident.

    However, Travelers Insurance offers the cheapest car insurance for young drivers, and middle-aged drivers might find the best rate at State Auto.

  • Does insurance follow the vehicle or the driver in Connecticut?

    Like most states, liability auto insurance follows the vehicle rather than the driver in Connecticut. Even if you’re not driving, your liability insurance will cover the cost of injuries and property damage caused to another vehicle after an accident.[5] In general, the owner of a vehicle is not held liable in Connecticut if a driver borrowing the car is unlicensed.[6]

  • What company has the most affordable rates for teen drivers in Hartford?

    Travelers Insurance offers the cheapest average car insurance rates for young drivers in Hartford, at $174 per month. Kemper Preferred Insurance also offers affordable rates for young drivers, at $187 per month.

    Teen drivers generally pay higher rates for auto insurance, as they tend to be involved in accidents more frequently than older, more experienced drivers. The average cost of car insurance for teenage drivers in Hartford is $1,050 — roughly three times the average cost for all drivers.

  • How can you save money on car insurance in Hartford?

    You can often save money on car insurance in Hartford by bundling multiple insurance policies from a single company. For example, if you buy both home and auto insurance from the same insurer, you usually get a discount on one or both policies. You can also save money on car insurance in Hartford by choosing a higher deductible, improving your credit score, or seeking out discounts.

    But the best way to save money on car insurance in Hartford is to shop around to find the cheapest policy that works for you.

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Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. State of Connecticut . "What is Auto Insurance?." Accessed December 6, 2022
  2. Connecticut Department of Motor Vehicles . "Register your new vehicle or vessel." Accessed December 6, 2022
  3. Connecticut Department of Motor Vehicles . "What are minimum liability insurance requirements in CT?." Accessed December 6, 2022
  4. Insurance Information Institute. "Nine ways to lower your auto insurance costs." Accessed December 6, 2022
  5. Connecticut Department of Motor Vehicles . "Automobile Coverage Information." Accessed December 6, 2022
  6. Connecticut General Assembly . "Motor Vehicles ." Accessed December 6, 2022
Andrew Dunn
Andrew Dunn

Andrew Dunn is a veteran business and finance writer with more than a decade of experience covering the industry for publications including The Charlotte Observer and Business North Carolina magazine. His work has been recognized numerous times by the Society of American Business Editors and Writers and the N.C. Press Association. Andrew earned a degree in journalism from the University of North Carolina at Chapel Hill, as well as a certificate in business journalism and a minor in Spanish. He lives in Charlotte, N.C

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

Featured in

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Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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