Cheapest car insurance companies in Hartford 

After an in-depth analysis, Insurance.com found that Geico and Progressive are the cheapest car insurance companies in Hartford for 2023. 

Geico has the cheapest car insurance rates in Hartford at an average cost of $1,698 per year.

Car insurance prices in Hartford can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Hartford drivers.

CompaniesAverage 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 

The cheapest auto insurance company in Hartford for teen drivers is USAA. For full coverage, its average annual rate for Hartford drivers is $3,197. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

When compared to other car insurance companies, USAA turned out to be the cheapest car insurance company for young drivers in Hartford, offering full coverage at an annual average cost of $1,328.

For Hartford drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. USAA provides the cheapest car insurance premiums, offering full coverage policies at $802 annually

USAA tops the list in terms of affordability for senior drivers in Hartford. With an average annual premium of $907, USAA offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.

CompanyTeensYoung AdultsAdultsSeniors
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 

Your driving profile plays an important role in determining your car insurance rates in Hartford. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.

To find the cheapest car insurance company in Hartford, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Hartford drivers based on driver profile.

Geico has the cheapest rates for Hartford drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,781, Geico offers substantial savings among the insurers analyzed.

Drivers with poor or bad credit scores in Hartford can consider the following car insurance companies to get the affordable car insurance coverage. 

CompanyAverage annual rates
Geico$1,781
Progressive$2,449
USAA$2,532
Nationwide$3,198
Allstate$3,960
State Farm$3,992

Geico has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Hartford. Its full coverage car insurance policy costs an average of $1,490 per year for drivers aged 30. 

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs. 

CompanyAverage annual premium
Geico$1,490
USAA$1,804
State Farm$2,140
Progressive$2,260
Allstate$2,351
Nationwide$2,860

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Hartford is $2,140. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket. 

CompanyAverage annual rates
State Farm$2,140
Geico$2,167
USAA$2,535
Progressive$3,289
Nationwide$3,974
Allstate$3,995

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.

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage 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 

In Hartford, the annual cost of car insurance for the coverage level of 100/300/100 is $2,299 or around $192 per month. However, the average yearly rate for state minimum coverage in Hartford is $959.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState 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.