Compare Hartford, IL Car Insurance Rates (2021)

Car insurance in Hartford, IL averages $327 a month. Hartford, Illinois car insurance requirements are 25/50/20, 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, IL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 for teen drivers is State Farm
  • Average car insurance rates in Hartford, IL are $3,919/year
  • The cheapest car insurance company in Hartford is State Farm

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

You’ll find Hartford car insurance rates, the cheapest Hartford, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Hartford, Illinois car insurance rates to Joliet car insurance rates, Peoria car insurance rates, and Aurora car insurance rates.

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

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

How do age, gender, and marital status affect Hartford, IL car insurance rates? Every Hartford, Illinois 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, Illinois

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 $3,709 $3,728 $3,886 $3,886 $9,661 $12,444 $4,452 $4,801
American Family $2,906 $2,906 $2,659 $2,659 $8,226 $11,413 $2,906 $3,751
Farmers $2,986 $3,003 $2,635 $2,798 $13,491 $14,144 $3,394 $3,527
GEICO $1,856 $1,894 $1,798 $2,194 $5,866 $6,121 $2,339 $2,224
Liberty Mutual $1,613 $1,745 $1,361 $1,524 $5,155 $5,721 $1,667 $1,742
Nationwide $3,038 $3,090 $2,689 $2,854 $8,630 $11,109 $3,566 $3,873
Progressive $2,709 $2,551 $2,241 $2,352 $9,786 $10,997 $3,214 $3,451
State Farm $1,382 $1,382 $1,246 $1,246 $4,298 $5,435 $1,565 $1,799
Travelers $1,681 $1,776 $1,523 $1,626 $4,785 $6,002 $1,786 $1,882
USAA $1,729 $1,765 $1,607 $1,590 $5,546 $6,126 $2,281 $2,517

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Minimum Car Insurance in Hartford, IL

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

Minimum Required Car Insurance Coverage in Hartford, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Hartford, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Hartford, IL. 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, Illinois

Insurance Company Poor Fair Good
Allstate $7,441 $5,339 $4,683
American Family $6,227 $4,231 $3,576
Farmers $6,508 $5,500 $5,234
GEICO $4,885 $2,376 $1,848
Liberty Mutual $3,643 $2,260 $1,796
Nationwide $5,817 $4,675 $4,076
Progressive $5,308 $4,512 $4,168
State Farm $3,332 $1,998 $1,551
Travelers $3,218 $2,580 $2,100
USAA $3,860 $2,646 $2,179

Cheapest Hartford, IL 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, IL to rates for a clean record with top companies.

Annual Hartford, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,123 $7,138 $6,565 $5,459
American Family $3,446 $4,852 $6,506 $3,909
Farmers $4,861 $6,271 $6,116 $5,741
GEICO $2,188 $3,088 $4,134 $2,736
Liberty Mutual $2,135 $3,036 $2,665 $2,429
Nationwide $3,886 $5,070 $5,985 $4,483
Progressive $3,833 $5,707 $4,259 $4,852
State Farm $2,088 $2,500 $2,294 $2,294
Travelers $2,093 $2,743 $3,066 $2,627
USAA $2,065 $2,963 $4,063 $2,490

Cheapest Hartford, IL Car Insurance for Teen Drivers

Teen car insurance in Hartford, IL 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, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,661 $12,444
American Family $8,226 $11,413
Farmers $13,491 $14,144
GEICO $5,866 $6,121
Liberty Mutual $5,155 $5,721
Nationwide $8,630 $11,109
Progressive $9,786 $10,997
State Farm $4,298 $5,435
Travelers $4,785 $6,002
USAA $5,546 $6,126

Cheapest Hartford, IL Car Insurance for Seniors

Take a look at Hartford, IL 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, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,886 $3,886
American Family $2,659 $2,659
Farmers $2,635 $2,798
GEICO $1,798 $2,194
Liberty Mutual $1,361 $1,524
Nationwide $2,689 $2,854
Progressive $2,241 $2,352
State Farm $1,246 $1,246
Travelers $1,523 $1,626
USAA $1,607 $1,590

Cheapest Hartford, IL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Hartford, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,565
American Family $6,506
Farmers $6,116
GEICO $4,134
Liberty Mutual $2,665
Nationwide $5,985
Progressive $4,259
State Farm $2,294
Travelers $3,066
USAA $4,063

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Cheapest Hartford, IL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Hartford, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,821 $5,821
American Family $4,618 $4,738
Farmers $5,747 $5,747
GEICO $2,980 $3,093
Liberty Mutual $2,566 $2,566
Nationwide $4,856 $4,856
Progressive $4,663 $4,663
State Farm $2,236 $2,352
Travelers $2,529 $2,736
USAA $2,814 $2,977

The Best Cheap Car Insurance Companies in Hartford, IL

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

Average Annual Car Insurance Rates by Company in Hartford, Illinois

Insurance Company Average Annual Rates
Allstate $5,821
American Family $4,678
Farmers $5,747
GEICO $3,036
Liberty Mutual $2,566
Nationwide $4,856
Progressive $4,663
State Farm $2,294
Travelers $2,633
USAA $2,895

Category Winners: Cheapest Car Insurance in Hartford, Illinois

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

Best Annual Car Insurance Rates by Company in Hartford, Illinois

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

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Cheapest Hartford, IL 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, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Hartford, Illinois

Insurance Company Low Medium High
Allstate $5,570 $5,814 $6,080
American Family $4,515 $4,849 $4,671
Farmers $5,405 $5,572 $6,266
GEICO $2,744 $3,020 $3,345
Liberty Mutual $2,395 $2,558 $2,745
Nationwide $4,802 $4,904 $4,862
Progressive $4,171 $4,642 $5,175
State Farm $2,152 $2,297 $2,433
Travelers $2,465 $2,629 $2,803
USAA $2,704 $2,892 $3,089

What affects car insurance rates in Hartford, Illinois?

What factors can have an impact on Hartford, IL 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, Illinois.

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, IL is 18.6 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, IL traffic data from INRIX ranks Hartford as the 292nd-most congested in the world.

Compare Car Insurance Quotes in Hartford, IL

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

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