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How much is car insurance in Hartford?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $30 a month more expensive to insure your vehicle in Hartford than it is in the rest of Connecticut.
Similarly, Hartford residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $63 more expensive than the national average to insure your vehicle in Hartford.
Keep in mind that these are the average auto insurance rates for Hartford, and that the rate you get could end up being something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've analyzed the average rate for Hartford and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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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 car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Hartford.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for insurance coverage, Hartford actually goes against the grain. While female drivers pay $147 a month for auto insurance coverage, males only pay about $142.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Hartford, having a single accident on your record will usually get you rates around $161 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $149 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$173|
|15 Years or Older||$139|
According to the first table above, the cheapest vehicles to insure in Hartford are by and large trucks and vans, at $125 per month.
Car owners, on the other hand, typically pay around $147 per month, while SUV drivers can expect to pay about $141 a month for insurance coverage.
The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. 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|
Overall, those who are currently married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Hartford can be as much as $19 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$257|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Hartford, homeowners can expect to pay around $24 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Hartford, CT
Recent trends in car insurance for Hartford drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Hartford, auto insurance rates had been increasing from 2017-2018, before leveling out in 2019. Car insurance rates finished up in 2022, at $144 per month
How does Hartford compare to neighboring areas?
Why are car insurance rates in Hartford different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (total number of local car accidents)
- Regional crime rates
- Off-street parking accessibility
- Number of drivers in the region
- Area laws
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Hartford?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com can handle all of this for you. Enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from a number of the car insurance companies providing auto coverage in Hartford.
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Hartford Insurance FAQs
What factors affect car insurance quotes in Hartford?
The factors that car insurance companies take into account when calculating your monthly cost 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?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Hartford?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Hartford?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Hartford or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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