Best Cheap Auto Insurance in Hartford, MI (2021)

The average Hartford, MI auto insurance rates are $730 per month. The minimum auto insurance in Hartford is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Hartford, Michigan, 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: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Hartford for teen drivers is Allstate
  • Average auto insurance rates in Hartford, MI for senior drivers are $5,798 per year
  • The cheapest auto insurance company in Hartford is USAA

Hartford, Michigan auto insurance requirements are 20/40/10 according to Michigan 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, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Hartford to other Michigan cities, including Sterling Heights auto insurance rates, Dearborn auto insurance rates, and Ann Arbor auto insurance rates to see how Hartford, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Hartford, Michigan

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

Minimum Required Auto Insurance Coverage in Hartford, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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

Auto insurance rates in Hartford, Michigan 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, Michigan

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 $14,754 $14,754 $13,727 $13,727 $36,543 $36,543 $15,541 $15,541
Farmers $3,701 $3,701 $3,455 $3,455 $8,362 $8,362 $4,159 $4,159
GEICO $3,298 $3,298 $3,367 $3,367 $9,466 $9,466 $3,159 $3,159
Liberty Mutual $13,713 $13,713 $13,578 $13,578 $32,196 $32,196 $13,713 $13,713
Nationwide $3,942 $3,942 $3,505 $3,505 $10,508 $10,508 $4,327 $4,327
Progressive $2,664 $2,492 $2,360 $2,614 $9,709 $10,393 $3,098 $2,898
State Farm $6,284 $6,284 $5,837 $5,837 $22,056 $22,056 $7,376 $7,376
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,587 $2,431 $2,439 $2,291 $6,254 $5,884 $3,129 $2,973

Cheap Hartford, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Hartford, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $36,543 $36,543
Farmers $8,362 $8,362
GEICO $9,466 $9,466
Liberty Mutual $32,196 $32,196
Nationwide $10,508 $10,508
Progressive $9,709 $10,393
State Farm $22,056 $22,056
Travelers $13,395 $13,395
USAA $6,254 $5,884

Cheap Hartford, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Hartford, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,727 $13,727
Farmers $3,455 $3,455
GEICO $3,367 $3,367
Liberty Mutual $13,578 $13,578
Nationwide $3,505 $3,505
Progressive $2,360 $2,614
State Farm $5,837 $5,837
Travelers $3,858 $3,858
USAA $2,439 $2,291

Cheap Hartford, Michigan 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, Michigan compared to the annual auto insurance rates with a clean record in Hartford, Michigan.

Annual Hartford, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,719 $13,029 $44,142 $13,674
Farmers $4,137 $5,268 $5,199 $5,073
GEICO $1,705 $3,601 $10,840 $3,144
Liberty Mutual $12,709 $15,412 $28,745 $16,333
Nationwide $4,779 $6,351 $5,780 $5,371
Progressive $3,858 $5,031 $4,528 $4,697
State Farm $6,595 $7,915 $17,151 $9,894
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,815 $3,517 $4,595 $3,066

Cheap Hartford, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Hartford, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $44,142
Farmers $5,199
GEICO $10,840
Liberty Mutual $28,745
Nationwide $5,780
Progressive $4,528
State Farm $17,151
Travelers $10,331
USAA $4,595

Cheap Hartford, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Hartford, Michigan

Insurance Company Poor Fair Good
Allstate $30,523 $16,944 $12,956
Farmers $6,460 $4,312 $3,986
GEICO $6,191 $4,560 $3,716
Liberty Mutual $28,944 $16,719 $9,237
Nationwide $6,950 $5,268 $4,492
Progressive $5,209 $4,398 $3,978
State Farm $16,836 $8,530 $5,800
Travelers $6,813 $6,608 $6,525
USAA $5,224 $2,996 $2,275

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Cheap Hartford, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Hartford, Michigan

ZIP Code Average Annual Rates
49057 $6,128

Cheap Hartford, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Hartford, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $20,141 $20,141
Farmers $4,919 $4,919
GEICO $4,714 $4,932
Liberty Mutual $17,672 $18,928
Nationwide $5,570 $5,570
Progressive $4,528 $4,528
State Farm $10,109 $10,668
Travelers $6,611 $6,686
USAA $3,458 $3,539

Cheap Hartford, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Hartford, Michigan

Insurance Company Low Medium High
Allstate $19,530 $20,195 $20,698
Farmers $4,786 $4,907 $5,064
GEICO $4,484 $4,777 $5,207
Liberty Mutual $17,826 $18,254 $18,820
Nationwide $5,814 $5,480 $5,417
Progressive $4,401 $4,534 $4,651
State Farm $9,867 $10,453 $10,846
Travelers $6,575 $6,656 $6,715
USAA $3,385 $3,508 $3,602

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Best By Category: Cheapest Auto Insurance in Hartford, Michigan

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

Best Annual Auto Insurance Rates by Company in Hartford, Michigan

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

The Cheapest Hartford, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Hartford, Michigan

Insurance Company Average Annual Rates
Allstate $20,141
Farmers $4,919
GEICO $4,823
Liberty Mutual $18,300
Nationwide $5,570
Progressive $4,528
State Farm $10,389
Travelers $6,649
USAA $3,498

What affects auto insurance rates in Hartford, Michigan?

There are a lot of reasons why auto insurance rates in Hartford, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hartford, Michigan. 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, Michigan commute length is 21.0 minutes according to City-Data.

Hartford Traffic

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

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Compare Hartford, Michigan Auto Insurance Quotes

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