Compare the Cheapest Car Insurance Quotes in Hartford

On average, it costs $1,483 per month to insure a car in Hartford, which is 2.8% more expensive than the state average. GEICO is the most affordable widely available company, with an average annual cost of $880. MoneyGeek researched the cheapest options depending on driving history and coverage amount and also analyzed the best companies based on cost and quality.

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Last Updated: 7/30/2022
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In Hartford, GEICO typically offers the cheapest policy. However, the cheapest for you may be different depending on your coverage and profile. GEICO is also the best option for a state-minimum policy, while State Farm is best with a speeding ticket. For military families, USAA offers the cheapest policy.

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The Cheapest and Best Car Insurance in Hartford

The Cheapest Car Insurance Companies in Hartford

MoneyGeek found the following cheap car insurance companies in Hartford for drivers looking for a full coverage policy:

  • GEICO: $880 per year
  • Progressive: $1,201 per year

For drivers with a military background, USAA is the most affordable option in the city with an average cost of $843 per year.

GEICO is the cheapest widely available insurance company in Hartford and its policies cost approximately 166% less than those from MetLife — the most expensive company in the city. In a full coverage policy, both comprehensive and collision insurance are included and its cost depends on the amount of liability insurance you choose.

Cheapest Car Insurance in Hartford
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $843
  • 2.
    GEICO
    $880
  • 3.
    Progressive
    $1,201
  • 4.
    Amica Mutual
    $1,331
  • 5.
    State Farm
    $1,362
  • 6.
    Allstate
    $1,565
  • 7.
    Travelers
    $1,572
  • 8.
    Nationwide
    $1,616
  • 9.
    MetLife
    $2,336

MoneyGeek collected average rates for a 40-year-old male driver in Hartford with a full coverage policy, as defined in our methodology.

While a full coverage policy costs more, it’s also more valuable as it includes comprehensive and collision insurance, which protects you against the cost of damage to your vehicle in case of an accident.

  • Comprehensive: It covers you against the repair or replacement cost if your vehicle is damaged in a non-collision incident.
  • Collision: It pays for the repair or replacement of your vehicle if it gets damaged in an at-fault accident.

With an older car, it may be better to opt for a minimum coverage policy or liability-only coverage to get cheaper rates. That’s because a full coverage policy may cost you more than the actual value of the car.

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Cheapest Car Insurance in Hartford for Minimum Coverage

MoneyGeek’s research shows that a minimum coverage policy is the most affordable option for drivers looking for cheap car insurance in Hartford. We found that the following companies offer the most affordable minimum coverage policies:

  • GEICO: $427 per year
  • Amica Mutual: $660 per year

If you’re in a military family, USAA is another strong option, as its average annual rate is $434.

In Hartford, GEICO’s state minimum policies cost an average of $1,296 less than the policies offered by MetLife — the most expensive company in the city with an average cost of $1,723 per year.

While a minimum coverage policy is less expensive, it does not include comprehensive and collision insurance and has low levels of liability coverage, which means you may not be fully protected in case of an accident.

Cheapest Minimum Liability Car Insurance in Hartford
State Minimum

In Connecticut, all drivers are required to have an auto insurance policy with at least 25/50/25 in liability limits and 25/50 in uninsured/underinsured motorist coverage limits. A minimum car insurance policy in Connecticut will cut down your monthly insurance costs. However, you may have to pay a higher amount out of pocket in case of an accident.

For example, if you cause an accident and the medical bills cost $60,000, the insurance company will only pay up to $50,000. You would have to cover the remaining $10,000 yourself.

Connecticut Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

Cheapest Car Insurance in Hartford if You Have Driving Violations

If you have driving violations like a speeding ticket, at-fault accident or DUI on your record, you would have to pay a higher cost for car insurance. MoneyGeek found the following cheapest companies in Hartford depending on the type of violation:

  • Cheapest after a speeding ticket: State Farm, $1,483 per year
  • Cheapest after an at-fault accident: GEICO, $1,260 per year
  • Cheapest after a DUI: Progressive, $1,431 per year

For drivers with a military background and violations like a speeding ticket or an at-fault accident on their record, USAA offers the cheapest policies in the city.

If you have a poor driving record in Hartford, you can get cheaper rates by improving your record over time. Meanwhile, it’s best to shop around and compare quotes from different companies to find the best deal.

Cheapest Car Insurance in Hartford With a Violation
Speeding Ticket

Average Cost of Car Insurance in Hartford

Hartford$1,483
CT$1,442
U.S.$1,424

The average cost of car insurance in Hartford is $1,483 per year, which is 2.8% more expensive than the average insurance cost in the state and 4.1% more expensive than the average cost of a policy around the U.S.

Personalized Quotes to Get You the Cheapest Car Insurance in Hartford

In Hartford, car insurance quotes are affected by several factors like age, gender, make and model of vehicle, coverage level and ZIP code. If you want to get cheaper rates, it’s best to shop around and compare quotes from different companies.

Compare Car Insurance Rates in Hartford

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in Hartford

Based on average prices, customer satisfaction scores and claims ratings, MoneyGeek identified the top auto insurance providers in Hartford. The following are the top two companies in the city:

  • GEICO: MoneyGeek score of 95.8 out of 100
  • State Farm: MoneyGeek score of 85.6 out of 100

Despite receiving a perfect MoneyGeek score of 100, USAA was not included in our ranking system, as its policies are only available to military members and their families.


1
GEICO
Score:93

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO received high scores in all categories, but scored exceptionally high in affordability: The average premium cost for a 40-year old driver in Hartford is only $880 per year. It offers a wide range of coverage options — such as the mechanical breakdown insurance — at competitive prices, making it a great choice for both budget-minded and safety-conscious drivers in Hartford.

More About GEICO

GEICO is an excellent choice for drivers looking for affordable and comprehensive auto insurance. In terms of coverage, GEICO offers most of the basics and one rare coverage option, mechanical breakdown insurance. Mechanical breakdown insurance covers the cost of repairs if your car breaks down, regardless of whether the problem is your fault or not.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:93

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm scored high for customer satisfaction, financial stability and claims, but its policies cost significantly more than those offered by GEICO. On average, a standard State Farm policy costs around $1,362 per year in Hartford. The insurer offers one rare coverage, rideshare insurance, in addition to other common coverage add-ons like roadside assistance and rental car and/or travel reimbursement.

More About State Farm

State Farm’s rideshare insurance is a valuable add-on coverage for drivers that work for ridesharing companies like Uber or Lyft. This ensures that all coverages included in your personal auto insurance policy, except for liability insurance, remain in effect after you’ve matched with and/or are transporting a rider. State Farm’s roadside assistance helps you get back on the road if your car experiences mechanical issues. Whether you've run out of gas, have a flat tire or need a jump start, State Farm can assist you. Additionally, its rental car and/or travel reimbursement covers you for rental car and travel expenses (meals, lodging and transportation) if you're involved in an accident.

Read MoneyGeek's State Farm auto Insurance Review

Average Cost of Car Insurance by Postal Code

Since some locations have high car theft rates, numbers of accidents and probability of natural disasters, the residents of these areas may have to pay significantly more for car insurance. However, in Hartford, the cost of car insurance does not change based on your location within the city.

  • Zip Code
    State Minimumper year
  • 06106
    $1,483
  • 06114
    $1,483

Factors That Impact Insurance Costs in Hartford

In addition to individual driver needs and history, location-specific factors like the rate of fatal accidents and the percentage of uninsured motorists also contribute to car insurance rates in Hartford. How Hartford ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities12th/300
handcuffs2 icon
Most Car Thefts83rd/300
uninsured icon
Most Uninsured Motorists by State36th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall91st/300
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Most Rainy Days47th/300

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.