Hartford roads see an average of 66 fatal accidents each year, and according to a survey by transportation research group Tripnet.org, 77% of the city’s roads are in poor or mediocre condition. This makes it imperative for drivers to find the best car insurance in Hartford so that they are adequately protected after an accident. The average annual cost of car insurance in Hartford is $1,106 for minimum coverage and $2,395 for full coverage, which includes collision and comprehensive.
We partnered with Quadrant Information Services to find average premium rates for the insurers who are selling policies in the Hartford region. We looked at customer service rankings and other factors to determine the best car insurance companies in Hartford.
Best car insurance companies in Hartford
All five of the best car insurance companies in Hartford have average rates that are below the Hartford averages, making them good choices if you are on a budget. We looked at their rankings with J.D. Power’s influential Customer Satisfaction Index Ranking for the New England region, which measures the quality of customer service. We also looked at the range of policy options and discounts to see who offered the most choice for policyholders. Lastly, we reviewed websites to see who makes it easy to do business online.
|Insurance company||J.D. Power score||Average annual premium for minimum coverage||Average annual premium for full coverage|
*Due to membership eligibility restrictions, USAA is considered rank-ineligible by J.D. Power.
Among our top picks, Allstate’s J.D. Power score was lowest of the companies on our list, but the company more than makes up for it with low prices and a broad range of optional coverages. It also stands out for having a website and mobile app that are easy to use and extensive in scope.
Allstate has a fairly extensive list of discounts that can save you money, as well as some perks, called “Allstate Extras,” that are worth looking at. These include a claim satisfaction guarantee, accident forgiveness and a declining deductible that takes $100 off your deductible for every year you are accident-free.
Not as well-known as some of the other entries on our list, Amica nonetheless has a stellar reputation for writing solid policies in the Hartford region. It is in the top spot on the J.D. Power list, so you should get fast, efficient service when filing a claim or working with an agent.
Amica’s website is sparse compared to Allstate’s, but it is possible to report and track a claim and pay your bill. Coverage options include gap insurance, glass coverage and roadside assistance. A full list of 18 discounts helps you save even more on the company’s already low average rates.
Geico is well-known for advertising low rates, and for Hartford drivers, that may be true. The company’s average rates for both minimum and full coverage were the lowest of any company we reviewed. If your goal is to purchase the cheapest car insurance in Hartford, it would be worth getting a quote from Geico.
Geico does not have a broad range of optional coverages, limiting itself to roadside service, rental reimbursement and mechanical breakdown insurance. But it does excel when it comes to discounts, with some potentially earning you more than 20% off of your premium rate.
The largest writer of auto insurance policies in the U.S., State Farm is worth considering when you are searching for the best car insurance in Hartford. Its score with J.D. Power is above average, and it comes in second place behind Amica. It has an intuitive website that makes it easy to do your business online, along with an award-winning app.
State Farm has discounts including the Drive Safe & Save program, which may earn you as much as 30% off if you are a safe driver. Optional coverages include emergency roadside service and rideshare driver coverage, if you are driving for Uber, Lyft or another rideshare company.
USAA sells insurance only to current and former members of the military and their families. If you fit this demographic, it would be a good idea to ask for a quote. USAA’s average premium costs are well below the Hartford average, and it offers a number of perks for service men and women.
You can, for example, save 15% off your comprehensive coverage just for garaging your car on base. If you are deployed, you will save up to 60% for placing your car in storage. USAA also has a supportive online community, and it rates highly for customer service with J.D. Power.
Cheapest car insurance in Hartford
Hartford’s average annual premium rate for full coverage, at $2,395, is on the high side. The annual average for Connecticut as a whole is $1,845, which is itself above the national annual average of $1,674. Insurers set rates based partly on the number of accidents in the region where the policyholder lives, and Hartford’s accident rate is high enough to merit steep premiums.
The table below shows the five companies with the cheapest car insurance in Hartford. Four of them also made our “Best Of” list, with only Nationwide getting added here.
All five of these companies are worth asking for quotes. If low rates are your top priority, Geico and Amica may be your best bets; if you are more concerned with a high level of customer service, Amica and USAA are top choices. USAA should also be the first stop if you are a military family. Nationwide’s rates are below the Hartford average, and your rate may be lower, especially if you are eligible for some discounts.
Note: These premiums reflect 12 months of coverage
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Hartford insurance requirements
Almost every state in the U.S. has laws regarding the minimum auto insurance that is needed to drive legally on public roads. In Connecticut, that minimum is usually written 25/50/25. This is what that means:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $25,000 underinsured motorist bodily injury per person
- $50,000 underinsured motorist bodily injury per accident
These liability coverages protect the other driver, but to protect yourself you may want to add collision and comprehensive coverage. You may be required to have these coverages if you lease your car or have a car loan.
Although the minimum coverage provides some support, you should consider purchasing additional liability coverage if you can afford it. If you are at fault in a serious collision, for example, the minimum bodily injury liability could be used up very quickly if there are multiple injuries. In that case, you would still need to pay whatever costs are over the amount of your insurance maximums.
Car insurance discounts in Hartford
Almost every insurer offers discounts, and they can be a lifesaver if you are trying to save money and spend as little as possible on your car insurance. Here are some of the most common ones in Hartford:
- Driver education: If you are 50 years old or older, taking an approved driver education course may save you money in Connecticut.
- Bundling: If you purchase your auto insurance from the same company that wrote your homeowner (or renter, life, or other) policy, you may be able to earn a discount.
- Anti-theft: You may be able to save some money if you have a car alarm or other anti-theft device.
- Safety devices: Anti-lock brakes, airbags, daytime running lights and other safety devices may be able to earn you a discount.
- Electronic billing: Pay your bill online and earn a small discount. If you agree to receive all your policy documents online, you may be eligible for another discount.
Frequently asked questions
What is the best car insurance company?
The company that offers the best rates and service to your neighbor might not be the best company for you. To find the best car insurance company for your own needs, ask for multiple quotes, review each company’s website and look for an agent who provides great service and answers all your questions as needed.
How much does car insurance in Hartford cost?
Insurance companies in Hartford offer an average annual premium cost of $1,106 for minimum coverage and $2,395 for full coverage. Your own rate will probably differ from this, as it is based on multiple factors including your car’s make, model and age, where it is garaged and your own age and credit rating.
How much car insurance do I need in Hartford?
Ideally, you want enough coverage so that no matter how serious the accident, you would be able to pay for the costs with your insurance. Many insurance experts would say that the minimum coverage is not enough. A common recommendation is to have 100/300/50 liability coverage, along with whatever optional coverages you can afford.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.