How to find the cheapest car insurance in Hartford

On average, car insurance in Hartford costs $131 per month for minimum liability coverage, or about $252 per month for full-coverage insurance. Hartford drivers pay 28% more Connecticut’s state average.

Smart car insurance shoppers in Hartford, Connecticut turn to Jerry every month, because Jerry makes it easy for customers to compare and purchase affordable car insurance.

Below are some of the cheapest car insurance quotes Jerry found for customers in Hartford.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Progressive	$205	27	06112	Hyundai Sonata Limited	State Minimum	Yes
Bristol West	$520	46	06106	Gmc Envoy	State Minimum	No
Progressive	$254	30	06106	Ford Mustang Mach-E Selec	50/100	Yes
National General	$482	23	06114	Honda Cr-V Ex	State Minimum	Yes
National General	$204	37	06114	Volkswagen Golf Gl	State Minimum	No

Last Updated Nov 29, 2024

Best car insurance companies in Hartford

There’s no “one-size-fits-all” model for car insurance—and no single company can offer the best rates for every driver.

State Farm, Progressive, USAA, and GEICO have the largest market shares in Connecticut and may offer the most competitive rates for Connecticut drivers.

But bigger isn’t always better! State Farm is often named as the cheapest car insurance company in Connecticut—but in our survey, State Farm was rated just 2.6 out of 5.0 for cost.

Which insurers got the best ratings among Connecticut drivers? Safe Auto, Farmers, Safeco, and Bristol West all performed well, with average ratings above 4.5 for both policy cost and customer service.

Check out what Jerry customers rated various insurance providers below.

Insurance company	Overall rating	Price	Claims experience	Customer service
Geico	4.5	3.5	4.2	4.4
Progressive	4.4	3.9	3.2	4.3
Farmers	4	2.8	N/A	4.5
Liberty Mutual	3.9	3	N/A	3.9
State Farm	3.8	3.2	N/A	4.2

Best cheap car insurance quotes in Hartford

To legally hit the road in Hartford, Connecticut, drivers are required to carry set amounts of liability insurance and uninsured/underinsured motorist insurance.

But minimum coverage may not offer enough financial coverage in the event of an accident—so drivers in Hartford should consider purchasing full coverage for the best protection.

Cheap minimum liability insurance quotes in Hartford

The state minimum for liability coverage in Connecticut follows a 25/50/25 pattern—that means you need at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $25,000 for property damage liability coverage per accident.

For uninsured motorist coverage, your policy should meet the same limits.

With this basic coverage, you’ll be protected up to your policy’s limits if you are responsible for injuries or property damage while driving.

Cheap minimum liability insurance quotes in Hartford

Connecticut has fairly average liability insurance coverage requirements. But most drivers need more than the 25/50/25 state minimum.

In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the state’s 25/50/25 limit—especially if you cause serious injuries to another person. A totaled vehicle could cost well above $25,000, while medical bills can quickly exceed $50,000.

Moreover, Connecticut car accident laws set the statute of limitations for personal injury lawsuits to three years after a crash–so your liability will extend long after the actual incident passes.

The bottom line: For better financial protection, consider upgrading your liability coverage limits to 50/100/50 or even 100/300/100 liability coverage. Better yet, invest in a full-coverage policy.

Cheap full coverage car insurance quotes in Hartford

Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your own vehicle.

Full coverage policies include comprehensive and collision coverage, in addition to your liability coverage.

• Collision coverage helps cover the costs of repairs if your vehicle is damaged in an accident with another vehicle or stationary object (such as a tree or road sign).
• Comprehensive coverage helps cover costs associated with non-collision incidents, such as theft, vandalism, falling objects, or hail.

Take a look at what real Jerry drivers paid for various levels of coverage below.

Liability Limits	Has Full Coverage	Insurance Company	Premium (monthly)	Age	Zip Code	Car
State Minimum	Yes	Progressive	$205	27	06112	Hyundai Sonata Limited
State Minimum	No	Bristol West	$520	46	06106	Gmc Envoy
50/100	Yes	Progressive	$254	30	06106	Ford Mustang Mach-E Selec
State Minimum	Yes	National General	$482	23	06114	Honda Cr-V Ex
State Minimum	No	National General	$204	37	06114	Volkswagen Golf Gl

Last Updated Nov 29, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.

Jerry, a top insurance agency, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Hartford

Based on Jerry’s work with drivers in Hartford, we’ve found that the average annual cost minimum liability coverage is $131 each year. That works out to about $1,568 per month. For full coverage, we’ve found that the average annual cost minimum liability coverage is Hartford drivers typically pay $3,024 per year or $252 per month.

While average insurance rates can help you predict your own insurance costs, it’s important to note that every driver’s insurance premium is calculated differently.

Car insurance companies look at many different factors when calculating your annual premiums, including your demographics, driving record, and discount eligibility—so your actual insurance costs could vary significantly from the state averages.

Average cost of car insurance in Hartford by zip code

Even within the same city, car insurance rates can still vary.

That’s because the rate of car accidents, auto theft, and other incidents often differs among neighborhoods—and areas that experience higher rates are consequently considered higher risk. As a result, drivers living in these neighborhoods could face higher premiums than drivers in other areas.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
6103	$102	$289
6105	$169	$249
6112	$136	$245
6114	$180	$304

Car insurance quotes in Hartford by rating factors

Insurance companies in Hartford use many rating factors when deciding your auto insurance premium:

• Your driving record and claims history: Accidents, tickets, or other traffic violations on your driving record could result in higher premiums.
• Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.
• Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage costs more for luxury, high-performance, and sports cars.
• Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
• How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.

Cheap car insurance quotes in Hartford after driving violations

Your driving history has a significant impact on car insurance rates. Violations on your record can drive up the cost of your annual premiums, especially if you have serious infractions.

Some common violations that could increase your insurance rates include:

• Speeding
• DUIs
• At fault accident
• Reckless driving
• Driving on a suspended license

Cheapest car insurance in Hartford after speeding ticket

In Connecticut, the penalties for speeding vary based on the degree of the offense, but a speeding ticket will generally impact car insurance rates, with harsher penalties for harsher offenses. In Hartford, a speeding ticket could increase your car insurance rate.

But with Jerry, you can save on car insurance—even with a speeding ticket on your record.

Speeding Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Speeding Violation-Minor	Progressive	$176	38	06114	Honda Civic Lx	State Minimum	No
Speeding Violation-Major	Progressive	$199	27	06106	Honda Accord Lx	State Minimum	No
Speeding Violation-Major	National General	$536	24	06112	Acura Tlx Advance	State Minimum	No
Speeding Violation-Major	Bristol West	$1,538	38	06114	Nissan Altima 2.5	State Minimum	Yes
Speeding Violation-Major	Bristol West	$1,001	33	06105	Chevrolet Malibu Lt	State Minimum	Yes

Last Updated Nov 29, 2024

Cheapest car insurance in Hartford after DUI

Drivers with a DUI are considered high-risk, which results in steep increases to your annual premium.

Car insurance rates can also vary dramatically between insurance providers when you have a DUI on your Connecticut driving record—so comparing rates is the best way to find the most affordable option after a DUI offense.

The good news is, Jerry has helped many drivers in Hartford obtain affordable auto insurance rates after a DUI.

Cheapest car insurance in Hartford after an at-fault accident

Insurance companies look at previous at-fault accidents on your record to determine how much of a risk you pose to insure. If you have an at-fault accident on your Connecticut driving record, you could see a steep increase in your insurance rates when your policy is up for renewal.

See what Jerry drivers paid for insurance after various accident types below:

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
At Fault With No Injury	Bristol West	$520	46	06106	Gmc Envoy	State Minimum	No
Not At Fault	National General	$539	32	06120	Nissan Altima 2.5	State Minimum	Yes
Not At Fault	National General	$322	27	06114	Hyundai Santa Fe Gls	State Minimum	No
At Fault With No Injury	Progressive	$142	42	06106	Ford Escape S	State Minimum	No
At Fault With No Injury	Progressive	$176	38	06114	Honda Civic Lx	State Minimum	No

Last Updated Nov 29, 2024

Cheapest car insurance in Hartford after other driving violations

Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation. Here are some examples of how Jerry has helped other Hartford drivers find cheap car insurance despite previous violations.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Other Minor	Bristol West	$520	46	06106	Gmc Envoy	State Minimum	No
Other Minor	Progressive	$254	30	06106	Ford Mustang Mach-E Selec	50/100	Yes
Other Minor	National General	$306	29	06106	Infiniti Qx60	State Minimum	No
Failure to Obey Signal	Progressive	$142	42	06106	Ford Escape S	State Minimum	No
Other Minor	National General	$227	45	06105	Chevrolet Tahoe K1500	State Minimum	No

Last Updated Nov 29, 2024

Cheap car insurance quotes in Hartford by age

Generally speaking, the golden bracket for low car insurance costs belongs to drivers between the ages of 25 and 75.

Whether you’re a teenage driver or senior driver who falls outside these bounds, here’s how to make the most of your age.

Cheap car insurance quotes in Hartford by age

Drivers between the ages of 16 to 19 pay the highest insurance premiums of any age bracket in the Constitution State, in large part due to their limited driving experience. As a driver gains more experience behind the wheel, however, rates will decrease.

Cheapest car insurance in Hartford for senior drivers

Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.

Cheapest car insurance in Hartford based on insurance history

Your insurance history—i.e., whether you have car insurance or not—also plays a role in determining the price of your premium.

Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance—and, depending on the duration, a lapse in insurance coverage could lead to being labeled a “high-risk driver,” resulting in higher premiums.

Cheap car insurance quotes for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.

Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).

Here’s how drivers with low credit scores saved with Jerry.

Credit Score	Insurance Company	Monthly Quote	Age	Zip Code	Car Make Model Trim	Liability Limits	Has Full Coverage
550-659	Progressive	$205	27	06112	Hyundai Sonata Limited	State Minimum	Yes
660-750	Progressive	$254	30	06106	Ford Mustang Mach-E Selec	50/100	Yes
660-750	National General	$482	23	06114	Honda Cr-V Ex	State Minimum	Yes
550-659	National General	$204	37	06114	Volkswagen Golf Gl	State Minimum	No
550-659	National General	$539	32	06120	Nissan Altima 2.5	State Minimum	Yes

Last Updated Nov 29, 2024

Cheap car insurance quotes in Hartford for popular cars

Your vehicle’s make and model also influence how much you pay for car insurance. The cheapest cars to insure have low repair costs, great security systems, and excellent safety ratings.

Some of the most popular models among Connecticut drivers include the Ford F-150, Chevy Silverado, Toyota Tacoma, and Subaru Outback. See how Jerry helps drivers save when insuring these models and others in Connecticut:

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Learn more: How to get car insurance before buying a car

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Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage

How to lower car insurance costs in Hartford

1. Shop around and compare quotes

Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.

That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.

2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers. Commonly available discounts for Connecticut drivers include:

• Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.
• Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!
• Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.
• Bundling discounts: Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.