The cheapest insurer varies depending on your needs and profile. Based on our research, GEICO offers the cheapest policies for full and minimum coverage. It also has the most affordable rates for drivers with tickets and at-fault accidents, while State Farm offers the best value for those with a DUI. GEICO and Kemper provide the best value for teens, and USAA is best for military families. For the best customer service, MoneyGeek recommends Amica Mutual.
Cheapest and Best Car Insurance in Hartford
Cheapest Minimum Liability Car Insurance in Hartford
The cheapest car insurance companies for a minimum coverage policy in Hartford are:
- GEICO: $426 per year
- Amica Mutual: $574 per year
Hanover is the most expensive provider for minimum coverage, with policies costing $2,236 per year on average. Asof October 2022, GEICO offers the cheapest auto insurance in Connecticut at a statewide average rate of $319 per year. This makes getting insured with this company cost more per year in Hartford compared to most other cities across the state.
The state sets liability limits for minimum insurance. Minimum liability coverage in Connecticut extends to bodily injury, property damage and uninsured/underinsured motorist coverage at these limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
Your liability coverage pays for injuries and damages if you’re at fault for an accident. If you have $25,000 in property damage liability per accident, your insurer will pay only up to $25,000 in total property damage. You’ll have to pay out of pocket if the cost of damage exceeds this limit.
Cheapest Full Coverage Car Insurance in Hartford
The cheapest car insurance companies for a full coverage policy in Hartford are:
- GEICO: $982 per year
- Amica Mutual: $1,184 per year
Hanover is the least affordable provider for full coverage at $4,624 per year, on average. As of October 2022, the cheapest full coverage auto insurance in Connecticut is from GEICO, averaging $693 per year. This means that a full coverage policy from GEICO costs more in Hartford than in most other cities in Connecticut, showing how location impacts prices.
Full coverage insurance increases your liability limits and adds comprehensive and collision insurance to your policy.
- Collision Insurance: Covers the costs of repair or replacement of your vehicle if it sustains damage in an at-fault accident.
- Comprehensive Insurance: Covers expenses related to repairing or replacing your vehicle if it sustains damage in a non-accident incident.
You might not get the most out of a full coverage policy if you have an older car since it might be worth more than the value of your vehicle.
Cheapest Car Insurance in Hartford After a Driving Offense
The cheapest car insurance companies for a full coverage policy after driving violations in Hartford are:
- Speeding ticket: GEICO ($1,141 per year)
- At-fault accident: GEICO ($1,411 per year)
- DUI: State Farm ($1,537 per year)
Hanover has the highest annual premiums for full coverage following a speeding ticket ($5,891), an at-fault accident ($7,519) or DUI ($26,592). You might notice a significant rate increase following a violation, with even the cheapest insurers charging less affordable rates.
Insurance premiums could increase substantially more after a severe violation. Compared to Hartford drivers with a clean record, those with a ticket pay around $382 more, while those with a DUI face a whopping rate increase of roughly $4,389 for full coverage. We even found the cheapest car insurance for drivers with poor driving records.
Cheapest Car Insurance in Hartford for Teens and Their Families
The cheapest car insurance companies for teens on a family policy in Hartford are:
- GEICO: $1,551 per year for female teens; $2,210 per year for male teens
- Kemper: $2,147 per year for female teens; $2,247 per year for male teens
State Farm is the most expensive full coverage insurance provider for teens, with rates averaging $3,679 or $4,639 when a female or male teen is included in a family policy. Male teens are considered riskier to insure. The cheapest insurer for females charges around $677 less than it does for male drivers. These rate differences usually taper off in early adulthood.
Buying an individual policy is often costly for a teen. A cheaper option is to add the teen driver to a family policy. In Hartford, a 16-year-old male who’s included in a family policy would pay around $4,501 less than if they purchased a separate policy. Teens and their parents should also get personalized quotes from multiple insurers to find the best and cheapest car insurance for teens.
Cheapest Car Insurance in Hartford for Military Drivers
In Hartford, the cheapest car insurance companies for military drivers are:
- USAA: $841 per year
- GEICO: $982 per year
The rates shown above represent averages for a full coverage policy. For minimum coverage, USAA and GEICO still top our list of the most affordable insurance providers at average rates of $416 and $426 per year, respectively.
How to Compare Cheap Hartford Car Insurance Quotes Online
Comparison shopping is one of the best ways to find the lowest rates, but it can be time-consuming. Getting a personalized quote could easily take up to 15 minutes, and you’ll have to repeat this process for each insurer.
With MoneyGeek’s car insurance calculator, you’ll quickly get a ballpark figure of your rate. Our database scans thousands of quotes from multiple insurers to give you a personalized estimate based on your age, vehicle type, preferred coverage level and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Hartford: Summary
The best car insurance for you will depend on your priorities. The best car insurance in Hartford, Connecticut, includes:
- Best overall: Amica Mutual (MoneyGeek score of 84 out of 100)
- Best for service: Amica Mutual (MoneyGeek score of 71 out of 100)
- Best cheap: Amica Mutual (MoneyGeek score of 71 out of 100)
We modified the weight we gave to factors in each section, which impacts scores. Amica Mutual is the best auto insurance in Connecticut, not just in Hartford.
With a MoneyGeek score of 85 out of 100, USAA is also worth considering if you have a military background.
Best Overall Car Insurance in Hartford
The overall best companies for car insurance in Hartford that provide the best balance between affordability and service quality are:
- Amica Mutual: MoneyGeek score of 84 out of 100 ($1,184 per year)
- GEICO: MoneyGeek score of 75 out of 100 ($982 per year)
Amica Mutual scored well in affordability and customer satisfaction, showing it balances these factors well. USAA is another solid option if you are affiliated with the military. USAA received an impressive MoneyGeek score of 85 out of 100.
Highly affordable full coverage policies averaging $1,184 per year
Received high marks for customer satisfaction
Offers rare coverages such as glass deductible modification and identity theft protection
Average rating on claims management
Doesn’t offer deductible modification
Amica Mutual strikes the perfect balance between affordability, service and coverage options. It has a good line-up of coverages that provide great value. Its glass deductible modification coverage is a rare find which lets you save hundreds of dollars by not requiring you to pay a deductible when you need to repair or replace your damaged windows or windshield. This is great to have, considering that Connecticut typically faces severe weather conditions that have a significant impact on travel conditions and roadways.
There are increasing incidents of fraud these days, but with Amica Mutual’s identity theft coverage, you’ll be protected from the dangers and financial impact of this crime, especially on your ability to get a loan, credit rating and employment, among others. Its roadside assistance coverage is a must-have for all drivers, providing round-the-clock services in addition to paying for expenses for towing, fuel delivery and labor.
Best Car Insurance in Hartford for Customer Service
Without considering cost, the best car insurance companies for customer service in Hartford are:
- Amica Mutual: MoneyGeek score of 71 out of 100 ($1,184 per year)
- Hanover: MoneyGeek score of 58 out of 100 ($4,624 per year)
With Amica Mutual as your insurer, you could look forward to having a good selection of coverage choices while receiving reliable service. This insurer is also the second cheapest option, so you get great service at a low rate.
Provides excellent customer service
High coverage score
Offers three of the four essential coverages – roadside assistance, rental car reimbursement and gap insurance
Average rating on claims management
Doesn’t offer deductible modification and original equipment manufacturer (OEM) coverages
Amica Mutual is our winner for delivering efficient and reliable customer service while providing a good selection of coverages that many drivers will find useful. Glass repairs normally run into hundreds of dollars, but you could easily dial up your protection against these expenses with Amica Mutual’s add-on coverages. If you have full glass coverage, your policy will pay for necessary repairs and replacement of your damaged windshield and windows without a deductible.
Boost your savings even further by pairing this with glass deductible modification. With this optional benefit, your deductible won’t apply when you file a claim to repair or replace your damaged windshield or windows. Amica Mutual also has the basics covered with essential add-on coverages. If you frequently drive to work, Amica Mutual’s rental car coverage will ensure that you won’t have trouble with your daily commute while your car is in the shop for accident-related repairs.
Best Cheap Car Insurance Companies in Hartford
Focusing on affordability and service quality for policies that only meet Connecticut’s minimum coverage requirements, we found that the best auto insurance companies in Hartford are:
- Amica Mutual: MoneyGeek score of 71 out of 100 ($574 per year)
- Hanover: MoneyGeek score of 58 out of 100 ($2,236 per year)
A minimum coverage policy is usually the most affordable option for most drivers but be forewarned that it provides the least amount of protection against liability costs and won’t cover damages to your car after an accident.
An affordable minimum coverage policy costs $574 per year
Received the highest marks for customer satisfaction
Second cheapest for minimum coverage cost
Offers discounts for insuring multiple cars, bundling policies and installing advanced safety features
Lower rating on claims management
Amica Mutual receives our top score for delivering exceptional customer service while keeping premiums affordable. Its minimum coverage policy is the second cheapest out of eight insurers in Hartford. Even then, you could slash your rates some more by taking advantage of the many discount opportunities that Amica Mutual offers. It has all of the discounts that most insurers commonly provide, such as for insuring multiple cars, bundling policies and being claims-free for at least three years.
Amica Mutual also rewards policyholders for installing safety devices in their vehicles, such as airbags or other passive restraint features, an anti-theft system, collision-avoidance features or adaptive headlights. You could also enjoy reduced rates for taking an approved driver safety course or completing a driver training program if you’re under 21. Maximize your savings on your auto insurance by going paperless, paying in full or setting up an automatic payment schedule.
Average Cost of Car Insurance in Hartford
The average cost of car insurance in Hartford is $1,565 per year for a full coverage policy. This is more expensive by $124 compared to the average cost of car insurance in Connecticut and $300 more than the national average. We used a full coverage policy that has $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
Location is just one factor that impacts car insurance costs.
About Mark Fitzpatrick