Best Cheap Auto Insurance in Harwinton, CT (2021)

The average Harwinton, CT auto insurance rates are $365 per month. The minimum auto insurance in Harwinton is at least 25/50/20 in coverage to comply with Connecticut auto insurance laws. To find the best cheap auto insurance in Harwinton, 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: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Harwinton, CT for senior drivers are $2,185 per year
  • The minimum auto insurance required in Harwinton, Connecticut is 25/50/20
  • The most expensive auto insurance company in Harwinton for teen drivers is Liberty Mutual

Harwinton, Connecticut auto insurance requirements are 25/50/20 according to Connecticut auto insurance laws. Finding cheap auto insurance in Harwinton 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 Harwinton, Connecticut, including driving record, credit, commute time, and more.

Compare auto insurance in Harwinton to other Connecticut cities, including Waterbury auto insurance rates, Meriden auto insurance rates, and Bridgeport auto insurance rates to see how Harwinton, Connecticut auto insurance rates stack up.

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

Minimum Auto Insurance in Harwinton, Connecticut

Harwinton, 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 Harwinton, Connecticut.

Minimum Required Auto Insurance Coverage in Harwinton, 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 Harwinton, Connecticut Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Harwinton, 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 Harwinton, 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 $3,540 $3,501 $3,260 $3,491 $10,880 $12,859 $3,702 $3,891
GEICO $2,123 $2,129 $1,969 $1,985 $4,866 $5,766 $2,048 $1,992
Liberty Mutual $3,364 $3,661 $2,594 $3,200 $16,697 $18,831 $3,404 $3,710
Nationwide $2,229 $2,255 $2,003 $2,102 $6,150 $7,803 $2,582 $2,777
Progressive $2,354 $2,196 $2,009 $2,091 $9,769 $10,825 $2,690 $3,010
State Farm $1,811 $1,811 $1,663 $1,663 $5,501 $6,904 $2,036 $2,344
Travelers $1,757 $1,783 $1,750 $1,743 $13,358 $21,434 $1,913 $2,165
USAA $1,855 $1,837 $1,727 $1,706 $5,822 $6,120 $2,481 $2,574

Cheap Harwinton, Connecticut Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Harwinton, Connecticut

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,880 $12,859
GEICO $4,866 $5,766
Liberty Mutual $16,697 $18,831
Nationwide $6,150 $7,803
Progressive $9,769 $10,825
State Farm $5,501 $6,904
Travelers $13,358 $21,434
USAA $5,822 $6,120

Cheap Harwinton, Connecticut Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Harwinton, Connecticut

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,260 $3,491
GEICO $1,969 $1,985
Liberty Mutual $2,594 $3,200
Nationwide $2,003 $2,102
Progressive $2,009 $2,091
State Farm $1,663 $1,663
Travelers $1,750 $1,743
USAA $1,727 $1,706

Cheap Harwinton, 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 Harwinton, Connecticut compared to the annual auto insurance rates with a clean record in Harwinton, Connecticut.

Annual Harwinton, Connecticut Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,796 $5,929 $7,041 $4,796
GEICO $1,805 $2,366 $5,053 $2,216
Liberty Mutual $6,074 $7,596 $7,528 $6,533
Nationwide $2,841 $3,702 $4,241 $3,166
Progressive $3,728 $5,405 $3,919 $4,419
State Farm $2,762 $3,035 $3,035 $3,035
Travelers $4,618 $5,001 $7,282 $6,049
USAA $2,343 $2,941 $4,435 $2,343

Cheap Harwinton, Connecticut Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Harwinton, Connecticut

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,041
GEICO $5,053
Liberty Mutual $7,528
Nationwide $4,241
Progressive $3,919
State Farm $3,035
Travelers $7,282
USAA $4,435

Cheap Harwinton, Connecticut Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Harwinton, Connecticut

Insurance Company Poor Fair Good
Allstate $7,172 $5,434 $4,314
GEICO $4,158 $2,510 $1,912
Liberty Mutual $9,833 $6,136 $4,828
Nationwide $4,621 $3,099 $2,743
Progressive $4,756 $4,264 $4,084
State Farm $4,130 $2,644 $2,127
Travelers $6,517 $5,427 $5,269
USAA $3,987 $2,690 $2,369

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Cheap Harwinton, Connecticut Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Harwinton, Connecticut

ZIP Code Average Annual Rates
6791 $4,421

Cheap Harwinton, Connecticut Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Harwinton, Connecticut

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,640 $5,640
GEICO $2,816 $2,903
Liberty Mutual $6,933 $6,933
Nationwide $3,488 $3,488
Progressive $4,368 $4,368
State Farm $2,895 $3,039
Travelers $5,738 $5,738
USAA $2,979 $3,051

Cheap Harwinton, Connecticut Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Harwinton, Connecticut

Insurance Company Low Medium High
Allstate $5,331 $5,634 $5,956
GEICO $2,658 $2,826 $3,095
Liberty Mutual $6,650 $6,878 $7,270
Nationwide $3,547 $3,514 $3,403
Progressive $4,071 $4,330 $4,702
State Farm $2,792 $2,971 $3,137
Travelers $5,350 $5,701 $6,162
USAA $2,826 $3,018 $3,202

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Best By Category: Cheapest Auto Insurance in Harwinton, Connecticut

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

Best Annual Auto Insurance Rates by Company in Harwinton, 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 GEICO

The Cheapest Harwinton, Connecticut Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Harwinton, Connecticut

Insurance Company Average Annual Rates
Allstate $5,640
GEICO $2,860
Liberty Mutual $6,933
Nationwide $3,488
Progressive $4,368
State Farm $2,967
Travelers $5,738
USAA $3,015

What affects auto insurance rates in Harwinton, Connecticut?

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

Harwinton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Harwinton, Connecticut commute length is 30.7 minutes according to City-Data.

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Compare Harwinton, Connecticut Auto Insurance Quotes

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