Compare Hartford, IA Car Insurance Rates (2021)

Car insurance in Hartford, IA averages $253 a month. Hartford, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Hartford car insurance rates, compare quotes from the top car insurance companies in Hartford, IA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Hartford is USAA
  • The cheapest car insurance company in Hartford for teen drivers is USAA
  • Average car insurance rates in Hartford, IA after a DUI are $3,669/year

If you need to buy Hartford, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Hartford, IA is right here.

You’ll find Hartford car insurance rates, the cheapest Hartford, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Hartford, Iowa car insurance rates to Council Bluffs car insurance rates, West Des Moines car insurance rates, and Ames car insurance rates.

Ready to find affordable Hartford, IA car insurance today? Enter your ZIP code for fast, free Hartford car insurance quotes.

Cheapest Hartford, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Hartford, IA car insurance rates? Every Hartford, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hartford, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,063 $1,969 $1,843 $1,874 $6,211 $7,025 $2,228 $2,284
American Family $2,077 $2,077 $1,855 $1,855 $5,499 $7,743 $2,077 $2,505
Farmers $1,506 $1,534 $1,351 $1,474 $4,505 $4,797 $2,033 $2,173
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,148 $2,332 $1,893 $2,305 $10,414 $11,731 $2,434 $2,679
Nationwide $1,821 $1,868 $1,623 $1,731 $4,220 $5,456 $2,065 $2,245
Progressive $1,728 $1,650 $1,430 $1,484 $4,464 $5,030 $2,077 $2,248
State Farm $1,503 $1,503 $1,318 $1,318 $4,041 $5,127 $1,688 $1,923
Travelers $2,345 $2,388 $2,310 $2,313 $11,017 $17,695 $2,451 $2,835
USAA $1,248 $1,257 $1,149 $1,164 $3,460 $3,659 $1,495 $1,648

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Minimum Car Insurance in Hartford, IA

Every driver must carry the minimum car insurance in Hartford, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Hartford, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Hartford, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Hartford, IA. Compare credit history car insurance rates in Hartford from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Hartford, Iowa

Insurance Company Poor Fair Good
Allstate $3,808 $3,028 $2,725
American Family $4,096 $3,010 $2,526
Farmers $2,783 $2,302 $2,180
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,399 $3,959 $3,118
Nationwide $3,193 $2,502 $2,191
Progressive $2,949 $2,405 $2,187
State Farm $3,279 $2,028 $1,600
Travelers $6,075 $5,210 $4,973
USAA $2,472 $1,705 $1,479

Cheapest Hartford, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Hartford, IA to rates for a clean record with top companies.

Annual Hartford, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,689 $3,278 $3,757 $3,024
American Family $2,319 $3,387 $4,410 $2,728
Farmers $2,061 $2,560 $2,601 $2,465
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,878 $4,802 $4,895 $4,393
Nationwide $1,903 $2,733 $3,726 $2,152
Progressive $2,013 $3,335 $2,188 $2,519
State Farm $2,133 $2,472 $2,302 $2,302
Travelers $3,928 $5,276 $7,084 $5,389
USAA $1,435 $1,937 $2,518 $1,650

Cheapest Hartford, IA Car Insurance for Teen Drivers

Teen car insurance in Hartford, IA can be expensive. Take a look at rates from the top car insurance companies in Hartford for teenagers.

Annual Car Insurance Rates for Teen Drivers in Hartford, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,211 $7,025
American Family $5,499 $7,743
Farmers $4,505 $4,797
GEICO $4,328 $4,022
Liberty Mutual $10,414 $11,731
Nationwide $4,220 $5,456
Progressive $4,464 $5,030
State Farm $4,041 $5,127
Travelers $11,017 $17,695
USAA $3,460 $3,659

Cheapest Hartford, IA Car Insurance for Seniors

Take a look at Hartford, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Hartford, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,843 $1,874
American Family $1,855 $1,855
Farmers $1,351 $1,474
GEICO $1,710 $1,564
Liberty Mutual $1,893 $2,305
Nationwide $1,623 $1,731
Progressive $1,430 $1,484
State Farm $1,318 $1,318
Travelers $2,310 $2,313
USAA $1,149 $1,164

Cheapest Hartford, IA Car Insurance Rates After a DUI

A DUI in Hartford, IA increases car insurance rates. Compare Hartford, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Hartford, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,757
American Family $4,410
Farmers $2,601
GEICO $3,206
Liberty Mutual $4,895
Nationwide $3,726
Progressive $2,188
State Farm $2,302
Travelers $7,084
USAA $2,518

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Cheapest Hartford, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Hartford, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Hartford, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,111 $3,263
American Family $3,173 $3,249
Farmers $2,422 $2,422
GEICO $2,294 $2,387
Liberty Mutual $4,492 $4,492
Nationwide $2,629 $2,629
Progressive $2,514 $2,514
State Farm $2,247 $2,358
Travelers $5,419 $5,419
USAA $1,816 $1,954

The Best Cheap Car Insurance Companies in Hartford, IA

Take a look at a side-by-side comparison of the top car insurance companies in Hartford, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Hartford, Iowa

Insurance Company Average Annual Rates
Allstate $3,187
American Family $3,211
Farmers $2,422
GEICO $2,341
Liberty Mutual $4,492
Nationwide $2,629
Progressive $2,514
State Farm $2,302
Travelers $5,419
USAA $1,885

Category Winners: Cheapest Car Insurance in Hartford, Iowa

Find the cheapest car insurance companies in Hartford, IA for each category right here.

Best Annual Car Insurance Rates by Company in Hartford, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Hartford, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Hartford car insurance rates. Find the cheapest Hartford, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Hartford, Iowa

Insurance Company Low Medium High
Allstate $3,056 $3,192 $3,313
American Family $3,234 $3,389 $3,010
Farmers $2,314 $2,429 $2,522
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,297 $4,484 $4,696
Nationwide $2,739 $2,617 $2,530
Progressive $2,346 $2,524 $2,671
State Farm $2,194 $2,315 $2,398
Travelers $5,043 $5,505 $5,711
USAA $1,785 $1,892 $1,979

What affects car insurance rates in Hartford, Iowa?

What factors can have an impact on Hartford, IA car insurance? There are several reasons why Hartford car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Hartford, Iowa.

Commute Time in Hartford

The more time you spend in your car the higher the risk of an accident. The average commute length in Hartford, IA is 19.9 minutes according to City-Data.

Traffic in Hartford

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Hartford, IA traffic data from INRIX ranks Hartford as the 292nd-most congested in the world.

Compare Car Insurance Quotes in Hartford, IA

Ready to find affordable Hartford, Iowa car insurance today? Enter your ZIP code for fast, free Hartford, IA car insurance quotes.

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