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Car insurance coverage in Hartford costs an average of $1,771 annually for full coverage. That's $324 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Hartford, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Hartford provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Hartford

GEICO General is the cheapest car insurance company in Hartford with an average cost of $1,189 per year, based on insurance.com's rate analysis. While USAA Casualty is second in terms of the cheapest car insurance companies in Hartford. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
GEICO General Ins Co$1,189
USAA Casualty Ins Co$1,196
Kemper Independence Ins Co$1,443
Progressive Direct Ins Co$1,603
State Farm Mutl Automobile Ins$1,965
Nationwide Ins Co of Am$2,134
Allstate F&C Ins Co$2,294
Metropolitan Group P&C Ins Co$2,343

Cheapest car insurance cost in Hartford by age group

Among the carriers surveyed by Insurance.com, Geico Gen Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,241 a year or $103 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Gen Ins Co is also the cheapest auto insurance company for seniors with an average cost of $1,403 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Gen Ins Co offers the cheapest car insurance for young adults in Hartford at about $1,973 a year. While Geico Gen Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $4,505 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Gen Ins Co$1,241$1,403$4,505$1,973
State Farm Mut Auto Ins Co$2,040$1,968$6,051$3,373
Nationwide Ins Co Of Amer$2,483$2,380$11,108$4,572
Safeco Ins Co Of IL$2,879$2,687$16,266$4,784
Progressive Cas Ins Co$3,074$2,728$17,185$5,556
Allstate Fire & Cas Ins Co$3,241$3,464$11,159$4,580

Cheapest car insurance companies in Hartford by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Hartford no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: Kemper Independence
  • Cheapest for a driver with a speeding ticket: Geico
  • Cheapest for accident: Geico
  • Cheapest for DUI: Progressive

Cheapest for a driver with poor credit: Kemper Independence

Kemper Independence is the cheapest car insurance company for a driver with poor credit in Hartford. Its average annual rate is $2,626 or $219 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAverage Annual Rates
Kemper Independence Ins Co$2,626
Geico$2,735
Progressive$3,224
USAA$3,345
Nationwide$4,704
Allstate$4,838
State Farm$5,185
Metropolitan$8,710

Cheapest auto insurance for drivers with a speeding ticket: Geico

Geico is the cheapest auto insurance company for a driver with a speeding ticket in Hartford. Its average annual premium is $2,156 annually or $180 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAverage Annual Rates
Geico$2,156
USAA$2,200
Progressive$2,660
State Farm$2,750
Kemper Independence Ins Co$2,757
Allstate$2,894
Nationwide$3,910
Metropolitan$4,999

Cheapest auto insurance after an at-fault accident: Geico

Geico offers the cheapest car insurance rates for a driver with an accident record in Hartford at about $2,420 per year. Apart from Geico, USAA, State Farm, and Kemper Independence are other cheap insurance companies on our list.

CompanyAverage Annual Rates
Geico$2,420
USAA$2,727
State Farm$2,750
Kemper Independence Ins Co$2,845
Progressive$3,582
Nationwide$4,489
Allstate$4,699
Metropolitan$8,812

Cheapest auto insurance after a DUI: Progressive

Progressive is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $2,540 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAverage Annual Rates
Progressive$2,540
State Farm$2,750
Kemper Independence Ins Co$3,398
USAA$3,827
Allstate$4,116
Geico$4,820
Nationwide$5,405
Metropolitan$9,241

Average car insurance cost in Hartford

The average car insurance rate in Hartford is $1,771 a year for a full coverage policy of 100/300/100 for a driver age 30, $324 more than the national average of $1,447.

The average annual premium in Hartford for minimum coverage is $853 a year or $71 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,771$853