Hartford Car Insurance

The Zebra
May 30, 2018

Car Insurance in Hartford

Hartford premiums are $391 greater than the state average, which is why the city is recognized for its expensive premiums, so it is crucial to save while insuring a vehicle in Hartford. Let’s get started on how to save on car insurance in Hartford.

  • City Average: $1,935
  • State Average: $1,544
  • National Average: $1,427

Hartford Car Insurance by Credit Rating

Drivers with Very Poor credit (300-579) pay an average of more than twice as much every year for car insurance than those with Exceptional credit (800-850). Moving from Very Poor (300-579) to Fair (580-669) creates the most significant reduction in premiums, as drivers save an average of $490 per year.

  • Very Poor: $3,702
  • Fair: $3,051
  • Good: $2,509
  • Very Good: $2,019
  • Exceptional: $1,711

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Hartford Car Insurance by Gender and Marital Status

There are a lot of factors, including gender and marital status, that can come into play when determining car insurance premiums in Hartford. Males have premiums that are a mere 1% more pricey than those for females. Individuals who are married save $82 per year on car insurance compared to those who are single or divorced. On the other hand, widowed and divorced individuals pay the same as drivers who are single.

  • Female: $1,907
  • Male: $1,935
  • Single: $1,935
  • Married: $1,853
  • Divorced: $1,935
  • Widowed: $1,935

Hartford Car Insurance by Accident or Violation History

Do you know the impact an accident or violation can have on your car insurance rates? A DUI will increase your car insurance premiums more than other driving violations. $1,675 is the additional cost per year for drivers with a DUI in Hartford, compared to the city average of $1,935. Reckless driving will also push your rates up, with typical rates of $3,602, which are 86% higher than the city average! Insurance rates are impacted by at-fault accident history, and more specifically, by the extent of the damage that was done in the accidents. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another $67 per year in premiums.

  • DUI: $3,610
  • Reckless Driving: $3,602
  • At-fault Accident (damages less than $1000): $2,817
  • At-fault Accident (damages greater than $2000): $2,884
  • Speeding Ticket (16-20 mph over speed limit): $2,276

Hartford Car Insurance by Age

Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance premiums among any age group, with rates of $1,783/year. Those in their 60s ($1,851) and 40s ($1,853) aren’t paying much more. In Hartford, when drivers reach their 20s, therefore moving out of the teenage age bracket, they reduce their premiums by $5,710. It is the largest difference between any age group. Car insurance premiums continue to trend downward up until drivers hit 60. Teenage drivers have the most expensive rates amongst all the age groups, with car insurance payments of $8,339 on average.

  • Teenagers: $8,339
  • 20s: $2,630
  • 30s: $1,910
  • 40s: $1,853
  • 50s: $1,783
  • 60s: $1,851
  • 70s: $2,429