Cheapest and Best Car Insurance in Hartford, CT (2024)

Your ideal car insurance provider depends on your coverage needs and preferences. In Hartford, Connecticut, GEICO offers the most affordable minimum and full coverages. State Farm provides the cheapest rates for families with teen drivers. Overall, the best is Amica Mutual, which excels specifically in customer service.

GEICO is Hartford's cheapest car insurance. Here are the lowest rates for minimum coverage:

• GEICO: $569 per year
• Kemper: $736 per year

Hanover has the most expensive annual premium of $2,995, a $2,426 difference from GEICO. Compare rates to avoid overpaying for insurance.

In Connecticut, drivers must meet state-mandated minimum car insurance requirements:

• $25,000 bodily injury per person
• $50,000 bodily injury 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

If you cause an accident where someone's injuries reach $25,000, your insurance covers that amount per person. However, if expenses rise to $40,000, you must cover the additional $15,000 yourself.

GEICO offers the cheapest full coverage car insurance in Hartford. The two most affordable providers are:

• GEICO: $1,314 per year
• Kemper: $1,413 per year

Hanover has the most expensive annual premium, $4,735 more than GEICO's. This price difference highlights the importance of comparing rates for full coverage, which can be more costly than minimum coverage due to its comprehensive protection.

A full coverage policy enhances protection with higher liability limits than minimum coverage: $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident.

Full coverage also includes these insurance types:

• Collision insurance covers vehicle repair costs after collisions, whether with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.
• Comprehensive insurance provides financial protection from theft, weather damage, vandalism, fires, natural disasters and hitting animals like deer.

Full coverage insurance is typically required if you lease or finance a car. For new vehicles, full coverage provides financial protection for your investment. However, the additional protection may not justify the higher insurance cost for older vehicles. Finding the right amount of car insurance involves balancing coverage against premiums to prepare for unexpected expenses.

GEICO is the most affordable option in Hartford for each driving offense:

• Speeding ticket: $1,528 per year
• At-fault accident: $1,899 per year
• DUI: $4,153 per year

Hanover charges the highest rates for these offenses. Its annual premium after a DUI is $34,091, a $32,563 difference from GEICO's rate after a speeding ticket. This proves how the seriousness of a driving violation impacts car insurance costs.

Insurance premiums rise sharply with the severity of driving infractions due to heightened risk to insurers. For instance, drivers with a speeding ticket pay an average annual rate of $2,800, while those with a DUI face a much steeper average of $7,372. Drivers with infractions must compare insurance rates carefully to find affordable coverage.

GEICO offers the cheapest car insurance for teens in Hartford. Here are the lowest rates for policies covering two parents and a teenager:

• GEICO: $1,551 per year for female teens and $2,210 per year for male teens
• Kemper: $2,147 per year for female teens and $2,247 per year for male teens

State Farm has the most expensive annual premium, $4,566, for male teens. The $2,356 difference from the cheapest rate highlights the importance of comparing quotes to reduce expenses, especially when adding higher-risk teen drivers to a family policy.

Teen drivers face high car insurance rates when purchasing individual policies. Individual policies cost $8,830 annually compared to $3,225 if teens join a family plan. Insurers perceive young drivers as higher risks, making it challenging for teens to secure individual policies due to their limited driving history and increased likelihood of claims.

USAA provides the cheapest car insurance for military personnel in Hartford. The following providers offer the most competitive rates:

• USAA: $1,186 per year
• GEICO: $1,314 per year

USAA is renowned for its service tailored to active-duty military members and veterans with a deep understanding of military life.

Comparing rates helps you save on car insurance in Hartford. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. Use MoneyGeek's car insurance calculator to make the process easier. Enter your key details like age, driving history, credit rating and coverage preferences to get an instant estimate.

Finding the best auto insurance depends on what you value the most — service, cost, coverage or other factors. Amica Mutual excels across various factors based on MoneyGeek's analysis:

• Best overall: Score of 95 out of 100
• Best for service: Score of 99 out of 100
• Best cheap: Score of 93 out of 100

Amica Mutual stands out as the ideal provider in Hartford, whether you prioritize excellent service, saving money or comprehensive coverage.

Amica Mutual is the best car insurance provider in Hartford.

• Amica Mutual: MoneyGeek score of 95 out of 100 ($2,320 per year)
• State Farm: MoneyGeek score of 72 out of 100 ($2,099 per year)

Amica Mutual's highest MoneyGeek score reflects superior customer satisfaction and affordability, as well as its exceptional full coverage policies.

Amica Mutual excels in customer service for car insurance in Hartford.

• Amica Mutual: MoneyGeek score of 99 out of 100 ($2,320 per year)
• Hanover: MoneyGeek score of 72 out of 100 ($6,049 per year)

Amica Mutual excels with unparalleled satisfaction, claims and coverage points, resulting in its near-perfect MoneyGeek rating. This makes the company a standout in the insurance industry, independent of rates.

Amica Mutual is Hartford's best choice for affordable car insurance that doesn't compromise on claims handling or customer satisfaction.

• Amica Mutual: MoneyGeek score of 93 out of 100 ($1100 per year)
• State Farm: MoneyGeek score of 74 out of 100 ($1078 per year)

Amica Mutual's impressive satisfaction and claims handling scores significantly contribute to its top MoneyGeek rating, even for policies with minimum coverage.

The average cost of car insurance in Hartford is $2,094 annually, $180 more than the state average of $1,914 and $313 above the national average of $1,781.

Location significantly impacts premiums due to varying risks like accident rates and repair costs. For example, in Connecticut, Stamford has the lowest premium at $1,704, $210 below the state average, while New Haven's highest premium of $2,165 exceeds it by $215. These differences highlight how location affects pricing, with rural areas typically offering more affordable rates due to lower traffic density and risks.