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. Six Hartford areas top the list as the priciest for car insurance in the state, all sharing an average rate of $2,361.
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. For example, in Hartford ZIP code 06103, the highest rate among rates fielded from major insurers was $3,534, for a year of full coverage. The lowest rate ($1,249) is $2, 285 less.
Average car insurance rates in Hartford by ZIP code
By entering your ZIP code and choosing from among six age groups and three coverage levels, you will see the average cost of Hartford car insurance in the tool below. You'll also see the highest and lowest rate fielded from major insurers, which shows how much you can save by comparing Hartford car insurance quotes.
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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.
Here's how Hartford's highest average rate ($2,361) compares to others for full coverage:
$820 more than the state's least expensive average rate of $1,541 for ZIP code 06475, Fenwick
$590 more than the state average of $1,771
$1,006 more thant the national average of $1,355
Hartford car insurance requirements
Connecticut state law requires the following minimum car insurance coverage:
Minimum bodily injury liability
Minimum property damage liability
Uninsured/underinsured motorist bodily injury
Cheap Hartford car insurance
Typically, the cheapest car insurance you can get is a policy that only meets the state required minimum level of coverage to drive legally.
Connecticut requires car owners to buy liability insurance of $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 for property damage liability. These new limits just went into effect Jan. 1, 2018, so if you carried the prior minimum required, you'll want to see how your rates are affected when state laws hike liability limits.
Best car insurance: Hartford
Penny Gusner, CarInsurance.com consumer analyst, recommends that drivers, regardless where they live, buy more insurance than is required to drive. Even a minor accident can cost much more in repair and medical bills than what a bare-bones policy will pay out. You will pay more for more protection, but as you’ll see below, additional liability coverage is typically affordable. To increase your limits to 50/100/50, you’ll pay an average of $107 more yearly, or just $9 a month. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $1,010 more, or $505 a month.
State minimum average annual cost: $761
50/100/50 liability only: $868
100/300/100, with comprehensive and collision and $500 deductible: $1,771
Who has the cheapest car insurance in Hartford?
Geico has the cheapest auto insurance rates, on average, for Hartford, based on a CarInsurance.com analysis of ZIP codes in the city for three coverage levels, assuming a driver profile of male, age 40, with good credit driving 2016 Honda Accord. Rates below are for a year of coverage.