Best Cheap Auto Insurance in Hartford, CT (2021)

The average Hartford, CT auto insurance rates are $527 per month. The minimum auto insurance in Hartford is at least 25/50/20 in coverage to comply with Connecticut auto insurance laws. To find the best cheap auto insurance in Hartford, Connecticut, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Hartford, CT for senior drivers are $3,073 per year
  • The most expensive auto insurance company in Hartford for teen drivers is Travelers
  • The cheapest auto insurance company in Hartford is GEICO

Hartford, Connecticut auto insurance requirements are 25/50/20 according to Connecticut auto insurance laws. Finding cheap auto insurance in Hartford can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hartford, Connecticut, including driving record, credit, commute time, and more.

Compare auto insurance in Hartford to other Connecticut cities, including New Haven auto insurance rates, Bristol auto insurance rates, and New Britain auto insurance rates to see how Hartford, Connecticut auto insurance rates stack up.

Before you buy Hartford, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hartford, Connecticut auto insurance quotes.

Minimum Auto Insurance in Hartford, Connecticut

Hartford, Connecticut auto insurance laws require that you have at least the Connecticut minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hartford, Connecticut.

Minimum Required Auto Insurance Coverage in Hartford, Connecticut

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Hartford, Connecticut Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Hartford, Connecticut are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hartford, Connecticut

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,881 $3,820 $3,593 $3,846 $11,632 $13,706 $4,032 $4,192
GEICO $3,127 $3,134 $2,900 $2,925 $7,186 $8,460 $3,007 $2,905
Liberty Mutual $4,777 $5,234 $3,672 $4,574 $23,824 $26,952 $4,809 $5,259
Nationwide $3,600 $3,643 $3,221 $3,387 $10,150 $12,924 $4,190 $4,518
Progressive $3,404 $3,150 $2,885 $3,024 $14,251 $15,827 $3,854 $4,302
State Farm $2,546 $2,546 $2,342 $2,342 $7,857 $9,914 $2,870 $3,289
Travelers $2,857 $2,899 $2,853 $2,848 $23,317 $38,228 $3,107 $3,477
USAA $2,566 $2,540 $2,395 $2,367 $8,178 $8,574 $3,455 $3,580

Cheap Hartford, Connecticut Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Hartford, Connecticut is a challenge. Take a look at the annual teen auto insurance rates in Hartford, Connecticut.

Annual Auto Insurance Rates for Teen Drivers in Hartford, Connecticut

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,632 $13,706
GEICO $7,186 $8,460
Liberty Mutual $23,824 $26,952
Nationwide $10,150 $12,924
Progressive $14,251 $15,827
State Farm $7,857 $9,914
Travelers $23,317 $38,228
USAA $8,178 $8,574

Cheap Hartford, Connecticut Auto Insurance for Seniors

What are senior auto insurance rates in Hartford, Connecticut? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Hartford, Connecticut

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,593 $3,846
GEICO $2,900 $2,925
Liberty Mutual $3,672 $4,574
Nationwide $3,221 $3,387
Progressive $2,885 $3,024
State Farm $2,342 $2,342
Travelers $2,853 $2,848
USAA $2,395 $2,367

Cheap Hartford, Connecticut Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hartford, Connecticut compared to the annual auto insurance rates with a clean record in Hartford, Connecticut.

Annual Hartford, Connecticut Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,189 $6,420 $7,553 $5,189
GEICO $2,670 $3,501 $7,366 $3,285
Liberty Mutual $8,650 $10,840 $10,745 $9,317
Nationwide $4,619 $6,065 $6,971 $5,162
Progressive $5,411 $7,840 $5,709 $6,389
State Farm $3,917 $4,312 $4,312 $4,312
Travelers $7,988 $8,666 $12,647 $10,493
USAA $3,239 $4,076 $6,274 $3,239

Cheap Hartford, Connecticut Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Hartford, Connecticut is not easy. Compare the annual rates for DUI auto insurance in Hartford, Connecticut to find the best deal.

Annual Auto Insurance Rates After a DUI in Hartford, Connecticut

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,553
GEICO $7,366
Liberty Mutual $10,745
Nationwide $6,971
Progressive $5,709
State Farm $4,312
Travelers $12,647
USAA $6,274

Cheap Hartford, Connecticut Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Hartford, Connecticut annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Hartford, Connecticut

Insurance Company Poor Fair Good
Allstate $7,787 $5,848 $4,628
GEICO $6,126 $3,687 $2,804
Liberty Mutual $14,100 $8,726 $6,837
Nationwide $7,590 $5,058 $4,464
Progressive $6,895 $6,190 $5,926
State Farm $5,885 $3,749 $3,007
Travelers $11,297 $9,406 $9,143
USAA $5,574 $3,752 $3,294

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Cheap Hartford, Connecticut Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Hartford, Connecticut can vary. Compare the annual cost of auto insurance by ZIP code in Hartford, Connecticut to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Hartford, Connecticut

ZIP Code Average Annual Rates
6101 $6,213
6103 $6,441
6105 $6,441
6106 $6,441
6112 $6,441
6114 $6,441
6120 $6,441
6152 $6,213
6160 $6,441

Cheap Hartford, Connecticut Auto Insurance Rates By Commute

Commute length and annual mileage affect Hartford, Connecticut auto insurance. Find the cheapest annual Hartford, Connecticut auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Hartford, Connecticut

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,088 $6,088
GEICO $4,142 $4,269
Liberty Mutual $9,888 $9,888
Nationwide $5,704 $5,704
Progressive $6,337 $6,337
State Farm $4,106 $4,321
Travelers $9,948 $9,948
USAA $4,156 $4,258

Cheap Hartford, Connecticut Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Hartford, Connecticut? Check out the comparison of annual Hartford, Connecticut auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Hartford, Connecticut

Insurance Company Low Medium High
Allstate $5,606 $6,071 $6,587
GEICO $3,786 $4,122 $4,709
Liberty Mutual $9,408 $9,787 $10,468
Nationwide $5,745 $5,743 $5,624
Progressive $5,758 $6,263 $6,991
State Farm $3,928 $4,221 $4,490
Travelers $9,047 $9,865 $10,933
USAA $3,917 $4,212 $4,492

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Best By Category: Cheapest Auto Insurance in Hartford, Connecticut

Compare the cheapest auto insurance companies in Hartford, Connecticut in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Hartford, Connecticut

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Hartford, Connecticut Auto Insurance Companies

What auto insurance companies in Hartford, Connecticut are the cheapest? Compare the top Hartford, Connecticut auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Hartford, Connecticut

Insurance Company Average Annual Rates
Allstate $6,088
GEICO $4,206
Liberty Mutual $9,888
Nationwide $5,704
Progressive $6,337
State Farm $4,213
Travelers $9,948
USAA $4,207

What affects auto insurance rates in Hartford, Connecticut?

There are a lot of reasons why auto insurance rates in Hartford, Connecticut are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hartford, Connecticut. Many local factors may affect your Hartford auto insurance rates.

Hartford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hartford, Connecticut commute length is 23.0 minutes according to City-Data.

Hartford Traffic

How does Hartford, Connecticut rank for traffic? According to Inrix Hartford, Connecticut is the 292nd most congested worldwide.

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Compare Hartford, Connecticut Auto Insurance Quotes

Before you buy Hartford, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hartford, Connecticut auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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