How much does car insurance cost in Hartford?
Car insurance costs an average of $2,188 per year in Hartford. That's more expensive than the average across Connecticut ($1,696) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Hartford.
CAR INSURANCE: HARTFORD RATES VS. STATE + NATIONAL AVERAGES
|Hartford Average (per year)||Connecticut Average||National Average|
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Hartford auto insurance rates by provider
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, GEICO offers Hartford's most affordable premiums. Reference below the top options for affordable insurance in Hartford. Don't forget to get car insurance quotes based on your unique driving profile.
HARTFORD AUTO INSURANCE RATES BY COMPANY
|Insurance Company||Average Rate (annual)|
Hartford car insurance premiums by age
Hartford drivers in their age_50s pay relatively affordable car insurance rates just $1,964each year, on average. Those in their age_40s don't pay significantly more ($2,037).
The Hartford drivers who pay the highest insurance rates are teenagers. When Hartford drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Hartford is $6,865, the largest such difference between any two age groups.
HARTFORD CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age tier||Average Annual Rate|
Hartford car insurance premiums by gender and marital status
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Hartford pay $84 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Hartford, single drivers pay less than those who are widowed.
Another component of auto insurance pricing is gender. In Hartford, the gap in car insurance costs between genders is $42 per year, with male drivers paying more than female drivers.
INSURANCE RATES IN HARTFORD BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
Hartford car insurance rates by accident and citation history
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Hartford drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,557 per year versus the city average. A ticket for speeding results in a $523 rate hike while a DWI or DUI violation costs $1,577per year in extra insurance expenditures.
HARTFORD CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$3,235|
|At-fault Accident (damages greater than $2,000)||$3,215|
|Speeding Ticket (16-20 mph over speed limit)||$2,711|
Hartford car insurance rates by credit score
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Hartford drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 57% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Hartford, improving your credit to "Fair" could help you earn a $1,573 decrease in annual car insurance rates.
HARTFORD CAR INSURANCE RATES BY CREDIT SCORE
|Credit Score||Average Yearly Rate|