Cheapest car insurance companies in Hartford
According to a study by Insurance.com, the cheapest car insurance companies in Hartford for 2023 are Geico and Progressive.
Geico is the cheapest option for most Hartford drivers, with an average annual rate of $1,698 .
The cost of car insurance in Hartford varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Hartford.
| Companies | Average annual rates |
|---|---|
| USAA | $781 |
| Geico | $1,698 |
| Progressive | $1,905 |
| Kemper Insurance | $2,015 |
| Nationwide | $2,437 |
| State Farm | $2,526 |
| Allstate | $2,567 |
| Farmers | $3,118 |
| Amica Mutual | $3,641 |
Cheapest car insurance cost in Hartford by Age Group
USAA stands out as Hartford's cheapest auto insurance company for teen drivers at an average annual of $3,197. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Hartford at about $1,328 per year.
As Hartford drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premium of $802.
With an average annual premium of $907, USAA offers Hartford's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $3,197 | $1,328 | $802 | $907 |
| Geico | $6,594 | $3,011 | $1,656 | $2,015 |
| State Farm | $7,610 | $4,283 | $2,549 | $2,497 |
| Progressive | $9,025 | $3,005 | $1,879 | $1,996 |
| Farmers | $9,033 | $5,277 | $3,187 | $2,982 |
| Kemper Insurance | $9,356 | $3,991 | $2,024 | $2,158 |
| Nationwide | $9,444 | $4,182 | $2,391 | $2,501 |
| Allstate | $10,147 | $4,012 | $2,665 | $2,738 |
| Amica Mutual | $11,721 | $6,413 | $3,608 | $3,794 |
Cheapest car insurance companies in Hartford by driver profile
When determining car insurance rates in Hartford, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Hartford that suits your budget.
Here's a list of car insurance companies that offer cheap insurance rates in Hartford based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: Geico
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Drivers in Hartford with poor credit can get the cheapest car insurance from Geico at an average cost of $1,781 a year, according to a data study by Insurance.com.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $1,781 |
| Progressive | $2,449 |
| USAA | $2,532 |
| Nationwide | $3,198 |
| Allstate | $3,960 |
| State Farm | $3,992 |
Cheapest for drivers with a speeding ticket: Geico
In Hartford, Geico provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $1,490, on average.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| Geico | $1,490 |
| USAA | $1,804 |
| State Farm | $2,140 |
| Progressive | $2,260 |
| Allstate | $2,351 |
| Nationwide | $2,860 |
Cheapest auto insurance after an at-fault accident: State Farm
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Hartford with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $2,140 annually.
| Company | Average annual rates |
|---|---|
| State Farm | $2,140 |
| Geico | $2,167 |
| USAA | $2,535 |
| Progressive | $3,289 |
| Nationwide | $3,974 |
| Allstate | $3,995 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest option for Hartford drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $2,140, on average.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| State Farm | $2,140 |
| Progressive | $2,629 |
| USAA | $3,316 |
| Allstate | $3,998 |
| Nationwide | $5,392 |
| Geico | $6,376 |
Average car insurance cost in Hartford
Full coverage car insurance in Hartford for a coverage limit of 100/300/100 is $2,299 per year or $192 per month, while the state minimum coverage costs an average of $959 a year.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | State minimum average |
|---|---|
| $2,299 | $959 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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