How much does car insurance cost in Hartford?

 

Car insurance costs an average of $2,188 per year in Hartford. That's more expensive than the average across Connecticut ($1,696) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Hartford.

 
CAR INSURANCE: HARTFORD RATES VS. STATE + NATIONAL AVERAGES
Hartford Average (per year) Connecticut Average National Average
$2,188 $1,696 $1,548
 
Jump to rates by:
  • Provider
  • Age group
  • Gender and marital status
  • Driving history
  • Credit score

 

 

Hartford auto insurance rates by provider

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, GEICO offers Hartford's most affordable premiums. Reference below the top options for affordable insurance in Hartford. Don't forget to get car insurance quotes based on your unique driving profile.

 
HARTFORD AUTO INSURANCE RATES BY COMPANY
Insurance Company Average Rate (annual)
GEICO $1,409
State Farm $1,774
Amica $2,185
Progressive $2,517
Allstate $2,742
 

While finding the cheapest car insurance is important, we recommend also researching the customer satisfaction ratings of car insurance companies.

 
 

 

Hartford car insurance premiums by age

Hartford drivers in their 50s pay relatively affordable car insurance rates just $1,964 each year, on average. Those in their 40s don't pay significantly more ($2,037).

The Hartford drivers who pay the highest insurance rates are teenagers. When Hartford drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Hartford is $6,865, the largest such difference between any two age groups.

 
HARTFORD CAR INSURANCE PREMIUMS BY DRIVER AGE
Age tier Average Annual Rate
Teenagers $9,835
20s $2,970
30s $2,165
40s $2,037
50s $1,964
60s $2,039
70s $2,671
 

Learn more about the impact of age on auto insurance rates.

 
 

 

Hartford car insurance premiums by gender and marital status

 

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Hartford pay $84 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Hartford, single drivers pay less than those who are widowed.

Another component of auto insurance pricing is gender. In Hartford, the gap in car insurance costs between genders is $42 per year, with male drivers paying more than female drivers.

 
INSURANCE RATES IN HARTFORD BY MARITAL STATUS AND GENDER
Gender/Marital Status Average Yearly Rate
Female $2,146
Male $2,188
Single $2,104
Married $2,104
Divorced $2,188
Widowed $2,188
 

Learn more about how gender and marital status have on car insurance rates.

 
 

 

Hartford car insurance rates by accident and citation history

 

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Hartford drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,557 per year versus the city average. A ticket for speeding results in a $523 rate hike while a DWI or DUI violation costs $1,577per year in extra insurance expenditures.

 
HARTFORD CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/Incident Average Yearly Rate
DUI/DWI $3,765
Reckless Driving $3,746
At-fault Accident (damages < $1,000) $3,235
At-fault Accident (damages greater than $2,000) $3,215
Speeding Ticket (16-20 mph over speed limit) $2,711
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

Hartford car insurance rates by credit score

 

One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Hartford drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 57% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Hartford, improving your credit to "Fair" could help you earn a $1,573 decrease in annual car insurance rates.

 
HARTFORD CAR INSURANCE RATES BY CREDIT SCORE
Credit Score Average Yearly Rate
Very Poor $4,267
Fair $2,694
Good $2,188
Very Good $2,035
Exceptional $1,845
 

Get additional information on how credit impacts car insurance costs.

 
 

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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