Hartford, home to many major insurance companies, doesn't get much of a break on car insurance. This capital city has the most expensive car insurance rates in Connecticut. (See how Hartford compares with other Connecticut cities by clicking around the map below.)
A look at statewide statistics clearly points out that driving in Connecticut is risky business. Connecticut Department of Transportation data show that between 2009 and 2010 traffic fatalities increased 42 percent. In 2010, Connecticut led all states in the greatest percentage increase in traffic fatalities.
With Hartford as the hub of the state, its roads must also serve a considerable suburban population—nearly 10 times that of the city itself. Because land in New England is at a premium and often hilly, secondary roads can be narrow, tree-lined and twisty.
With just two major highways, I-84 and I-91, it doesn’t take much to produce backups for miles in every direction. Frequent early morning fogs in summer and the dreaded Nor’easter in winter make driving in all seasons a challenge.
Whether you live in Hartford proper or commute from a distant suburb, you should comparison shop for insurance. No two insurers will offer you the same rate, and the difference between them can be measured in hundreds of dollars a year.
Hartford suffers from heavy traffic congestion, but help is on the way. For example, I-84, designed to handle 90,000 vehicles daily, now must handle 165,000. Plans are underway to make the entire highway six lanes. Some relief for I-84 congestion is expected after the construction of the New Britain-Hartford Busway is complete. But until then, construction and the rehabilitation of more than a dozen bridges guarantees several years of detours, re-routings, permanent road closings—and more accidents and insurance claims.
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.