Compare Hartford, CT Car Insurance Rates (2021)

The cheapest Hartford, CT car insurance is offered by GEICO, but rates will vary by driver depending on your age, driving record, and ZIP code. Auto insurance in Hartford, CT must meet Connecticut's state minimum requirements of 25/50/25 in liability and 25/50 in uninsured/underinsured motorist coverages.

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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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Founder & CFP®

UPDATED: May 21, 2021

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Here's what you need to know...

  • GEICO offers the cheapest car insurance on average in Hartford, CT
  • Car insurance in Hartford is more expensive than average
  • Drivers in Hartford can have a long commute time

Hartford, CT car insurance is more expensive than both the Connecticut car insurance average rates and the national average.

However, you can still find affordable Hartford, CT car insurance if you shop around. Compare rates from different companies to see who offers cheap car insurance that fits your needs.

Enter your ZIP code now to compare Hartford, CT car insurance quotes from multiple companies near you for free.

What is the cheapest car insurance company in Hartford, CT?

The cheapest Hartford, CT car insurance company is GEICO, but rates will be different for every driver.

The top Hartford, CT car insurance companies listed from least to most expensive are:

  • GEICO – $4,205.53
  • USAA – $4,206.85
  • State Farm – $4,213.24
  • Nationwide – $5,704.16
  • Allstate – $6,087.72
  • Progressive – $6,337.15
  • Liberty Mutual – $9,887.85
  • Travelers – $9,948.34

Your car insurance rates are affected by many different factors, such as your age and driving record. Where you live also affects your rates, and larger cities with more traffic and higher crime rates will pay more for car insurance. For example, Bridgeport car insurance is more expensive than Hartford.

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What car insurance coverage is required in Hartford, CT?

Almost all states require drivers to carry at least a minimum amount of car insurance, and Connecticut is no different. Drivers in Hartford must have:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

What affects car insurance rates in Hartford, CT?

Another factor that impacts your car insurance rates is traffic. Higher traffic volume equals a higher chance of being in an accident.

INRIX ranks Hartford, CT as the 47th most congested city in the U.S.

City-Data reports that most drivers in Hartford commute around 25 minutes, but a significant amount of drivers commute an hour or more.

Theft can also increase your auto insurance rates. According to the FBI, there were 679 motor vehicle thefts in one year in Hartford.

Hartford, CT Car Insurance: The Bottom Line

Since auto insurance is so expensive, shop around before you buy Hartford, CT auto insurance. Each company will offer you a different rate so be sure to compare various companies to find your best deal.

Enter your ZIP code now to compare Hartford, CT car insurance rates near you for free.

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Average Monthly Car Insurance Rates by State