How much does car insurance cost in Hartford?

How much does car insurance cost in Hartford

Car insurance costs an average of $2,188 per year in Hartford. This is more expensive than the Connecticut average ($1,696) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay at Hartford based on your marital status, age, credit rating, and other general factors.

CAR INSURANCE: HARTFORD RATES VS. STATE + NATIONAL AVERAGES
Hartford Average (per year) Connecticut Average National Average
$2,188 $1,696 $1,548

Hartford auto insurance rates by provider

One of the best ways to save on auto insurance is to compare rates from several companies and choose the insurance company that best suits your insurance needs. For casual drivers, GEICO offers the most affordable Hartford premiums. Check out the best options for affordable insurance in Hartford below. Don’t forget to get a car insurance quote based on your unique driver profile.

HARTFORD AUTO INSURANCE RATES BY COMPANY
Insurance Company Average Rate (annual)
GEICO $1,409
State Farm $1,774
Amica $2,185
Progressive $2,517
Allstate $2,742

Hartford car insurance premiums by age

One of the best ways to save on auto insurance is to compare rates from several companies and choose the insurance company that best suits your insurance needs. For casual drivers, GEICO offers the most affordable Hartford premiums. Check out the best options for affordable insurance in Hartford below. Don’t forget to get a car insurance quote based on your unique driver profile.

HARTFORD CAR INSURANCE PREMIUMS BY DRIVER AGE
Age tier Average Annual Rate
Teenagers $9,835
20s $2,970
30s $2,165
40s $2,037
50s $1,964
60s $2,039
70s $2,671

Hartford car insurance premiums by gender and marital status

In some cases, the marital status and gender of the driver can affect the car insurance rates they pay. In much of the United States, single drivers pay more than married drivers, based on data showing they are more likely to sue. Married drivers pay $84 less than single drivers for car insurance in Hartford. Prices for widows are also much lower than prices for single people. Interestingly, single drivers in Hartford pay less than widows.

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Another component of the price of car insurance is gender. In Hartford, the gender difference in the cost of car insurance is $42 per year, with male drivers paying more than female drivers.

INSURANCE RATES IN HARTFORD BY MARITAL STATUS AND GENDER
Gender/Marital Status Average Yearly Rate
Female $2,146
Male $2,188
Single $2,104
Married $2,104
Divorced $2,188
Widowed $2,188

Hartford car insurance rates by accident and citation history

Keeping a clean notebook is one of the best ways to keep your car insurance costs down. Speed ​​quotes, reckless driving costs, DUI and DWI, and error-based accidents all increase the percentage.

Hartford drivers found guilty of reckless driving are paying a hefty price in auto insurance, facing a $1,557 annual increase above the city average. A speeding ticket adds $523 to the fare, while a DWI or DUI violation costs $1,577 per year in additional insurance costs.

HARTFORD CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/Incident Average Yearly Rate
DUI/DWI $3,765
Reckless Driving $3,746
At-fault Accident (damages < $1,000) $3,235
At-fault Accident (damages greater than $2,000) $3,215
Speeding Ticket (16-20 mph over speed limit) $2,711

Hartford car insurance rates by credit score

One of the by-products of good credit is lower auto insurance costs. Drivers who maintain their credit history typically pay less for auto insurance than drivers with less-than-good credit histories.

Hartford drivers who upgrade their credit rating from very bad (300-579) to very good (800-850) can save up to 57% of their auto insurance premium. Switching from “very bad” to “fair” credit is an important step in saving money on auto insurance. At Hartford, you can achieve a $1,573 reduction in annual auto insurance rates by upgrading your credit to Fair.

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HARTFORD CAR INSURANCE RATES BY CREDIT SCORE
Credit Score Average Yearly Rate
Very Poor $4,267
Fair $2,694
Good $2,188
Very Good $2,035
Exceptional $1,845

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