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How much is car insurance in Hartford?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $30 a month more expensive to insure your vehicle in Hartford than it is in the rest of Connecticut.
Drivers relocating the Hartford should take note of the differences in average rates. The cost of insuring a vehicle in Hartford is about $64 more expensive than the average rate for the rest of the U.S.
These rates may be the average amount residents of Hartford pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've broken down average rates for Hartford to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
You can expect to see your monthly premium drop every 10 years or so. Hartford drivers may see their rates creep back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their vehicle, Hartford actually goes against the grain. While female drivers pay $148 a month for car insurance, males only pay about $141.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Hartford, a driving record with a single accident will usually get you a rate around $164 a month. Similarly, drivers with one ticket will typically pay around $182 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$155|
|15 Years or Older||$140|
As you can see in the first table above, the cheapest vehicles to insure in Hartford are usually trucks and vans, which run about $126 per month.
SUV drivers will see rates of about $142, while the rates for car owners average out to about $146 per month.
You may also see different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Hartford, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$146|
Generally speaking, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Hartford is no exception, with the difference totaling to around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$279|
One other element taken into consideration is your housing status. If you rent your home or apartment in Hartford, expect to pay around $31 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Hartford, CT
Recent trends in car insurance for Hartford drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Auto insurance rates in Hartford decreased from 2016-2017, before leveling out in 2018. They finished down in 2021, at $126 a month
How does Hartford compare to neighboring areas?
Why are car insurance rates in Hartford different from other areas?
Car insurance companies will take into account many factors when choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Area laws
- Regional crime rates
- Access to off-street parking
- Number of car accidents
- Number of drivers
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Hartford?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Hartford.
Hartford Insurance FAQs
What factors affect car insurance quotes in Hartford?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Hartford different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Hartford?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Hartford?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Hartford or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.