Modified:2022-09-10  Published:2022-08-19  Views: 438
Author: editor
Published in: Insurance
The Cheapest And The Best Car Insurance Plans In Hartford Connecticut Car Insurance

If you are residing in Hartford and looking for the best car insurance for yourself then you have clicked on the right article. When it comes to car insurance, there are a number of companies that offer attractive quotas. However, some might be expensive and others may not reach up to your expectations. Hence, it is only natural to be confused over the most suitable car insurance for you. This is exactly why we have developed this article for you. This article is a compilation of data that helps you in choosing the right insurance company as well as the right quota for your Hartford Connecticut car insurance.

The average cost of car insurance in Hartford is $2,188 annually, which is certainly quite expensive. Especially when the average cost of car insurance in Connecticut is $1,696 annually. Even the national average of car insurance, which is $1548, is less than the cost of Hartford. Therefore, if you are a Hartford resident then you have to look for the cheapest car insurance that can help you in saving some of your money.

In this regard it needs to be stated that the cost you pay on your  car insurance varies based on your demographics. There are some common factors that play a vital role in the cost that you pay for your car insurance, such your gender, your marital status, the age group that you are in, the credit score that you behold, your driving history, and last but not the least the provider that you are choosing. Now let’s analyze each of the attribute and extract result.

Hartford, Connecticut

Hartford, Connecticut car insurance costs based on genders

Gender is one of the demographic that may affect the cost that you pay for your Hartford Connecticut car insurance. According to The Zebra, in Hartford the female drivers are more likely to pay $42 less than the male drivers. The insurance rates are provided below:

Gender

Average Annual Rate

Female

$2,146

Male

$2,188

 

Table 1

Hartford, Connecticut car insurance costs based on the marital status

After genders your marital status may directly or indirectly impact the cost of Hartford Connecticut car insurance. According to a survey the single drivers in the US are more likely to pay more than the married and widow drivers. In Hartford the married drivers pay $84 less than single drivers, however, the single drivers pay less than widow drivers only in Hartford. The annual rates of car insurance based on marital status are provided below:

Marital Status

Average Annual Rate

Single

$2,104

Married

$2,104

Divorced

$2,188

Widowed

$2,188

 

Table 2

Hartford, Connecticut car insurance costs based on age group

It has been observed that in Hartford the teenagers pay the highest rates of car insurance. Whereas, the people who are in their 50s are more likely to pay the most affordable price, the people in 40s do not pay much extra. However, it needs to be noted that Hartford drivers significantly drop their insurance cost when they reach the age of 20. And the gap that has been perceived between the teenage drivers and the drivers in their 20s, is huge, which is $6,865. The annual rates are provided below:

Age Group

Average Annual Rate

Teenagers

$9,835

20s

$2,970

30s

$2,165

40s

$2,037

50s

$1,964

60s

$2,039

70s

$2,671

 

Table 3

car insurance

Hartford, Connecticut car insurance costs based on driving record

Driving record is one of the most vital attributes when it comes to Hartford Connecticut car insurance. The cleaner your driving history is, the less you pay for your car insurance. Therefore, it is clear that the cost of the insurance increases based on your driving charges. Moreover, having a reckless driving record is a subject to face an increase in insurance premium. If you have a speeding ticket you are more likely to face a $523 hike in the Hartford Connecticut car insurance premium. The detailed chart is provided below:

Driving charges

Average Annual Rate

DUI/DWI

$3,765

Reckless Driving

$3,746

Accident by drivers’ fault (damages < $1,000)

$3,235

Accident by drivers’ fault (damages greater than $2,000)

$3,215

Speeding Ticket (16-20 mph over speed limit)

$2,711

 

Table 4

Hartford, Connecticut car insurance costs based on credit score

Credit score is another important factor that decides how much you pay for your car insurance. The drivers with a bad credit score are more likely to pay a lot for insuring their vehicles. Improving credit score can be help you in saving as much as 57% in your Hartford Connecticut car insurance. The detailed list of insurance premium based on credit score is provided below:

Driving charges

Average Annual Rate

Very Poor

$4,267

Fair

$2,694

Good

$2,188

Very Good

$2,035

Exceptional

$1,845

 

Table 5

 

The best companies to provide car insurance in Hartford, Connecticut

If you are opting for a car insurance, one of the primary things for you to do is to compare the insurance premium offered by different companies. For a Hartford driver, there are a number of choices that are available. Some of those can be expensive while other ones are affordable. According to our research GEICO is the company to offer the most affordable car insurance premium. However, you can choose the other companies as well as per your preference. The list is provided below:

Driving charges

Average Annual Rate

GEICO

$1,409

State Farm

$1,774

Amica

$2,185

Progressive

$2,517

Allstate

$2,742

 

Table 6

It is important to note down that the offers provided by the companies can vary based on your premium coverage and your profile. There are a collection of factors that are needed to be analysed to determine the cheapest and the best car insurance that you can garb if you reside in Hartford, Connecticut.

You can find the least expensive coverage for you, however, that will not include the collision insurance as well as most of the levels of liability coverage. Therefore, it may leave you not being fully protected when you face an accident. Nonetheless, that can be your choice.

The cheapest insurance rates offered by the companies

If you are looking for a full coverage policy at the cheapest rate possible then you can go with GEICO. The company is known for offering the cheapest possible insurance rate, that too, with a full coverage. You can gain the said insurance policy for less than $1000. However, if you have a military background then USAA is the best choice for you. However, if you are looking for an overall cheap car insurance then GEICO remains as the best option for you. GEICO reportedly provides insurances that costs 166% less then MetLife, which is considered to be the most expensive company. The chart of companies along with the insurance rates are provided below:

Companies  

Average Annual Rate (100/300/100)

USAA (only for people with Military background)

$843

GEICO

$880

Progressive

$1,201

Amica Mutual

$1,331

State Farm

$1,362

Allstate

$1,565

Travelers

$1,572

Nationwide

$1,616

MetLife

$2,336

 

Table 7

However, before you root for an insurance policy, you need to check if those cover comprehensive and collision insurance as well or not. Usually these two types of insurance is only covered in the full coverage policies and those are quite expensive but at the same time, it provides your car with an ultimate security.

GEICO logo

Comprehensive insurance covers the replacement as well as the repair cost of your damaged vehicle in the case of a not so severe accident or a non-collision one.

Collision insurance covers up the costs associated with replacement and repair if you get into a severe or an at-fault accident.

The cheapest Hartford Connecticut car insurance that you can find if you have driving charges

As it has been stated before, if you have bad driving records you are more likely to pay more for purchasing a car insurance than others. In this scenario it is important for you to find the company that can offer you the cheapest car insurance including the all the needed coverages.

If you want an insurance with the cheapest collision coverage then you can choose GEICO, it offers a policy for $1260 annually

If you are looking for the cheapest DUI coverage, then you can go with Progressive, it offers a policy for $1431 annually

If you have a speeding ticket you can go with State Farm, it offers a policy for $1483 annually

And then again, if you have a military background, USAA is the right choice for you. The overall cheapest Hartford Connecticut car insurance policies in the case of a speeding ticket is provided below:

Companies  

Average Annual Rate (Speeding ticket)

USAA (only for people with Military background)

$963

State Farm

$1,483

Progressive

$1,539

Allstate

$1,565

Amica Mutual

$1,612

Nationwide

$1,616

GEICO

$1,932

Travelers

$2,144

MetLife

$2,865

 

Table 8

The minimum coverage that you can pay for car insurance

The minimum coverage policy can be easily afforded by everyone. However, these type of minimum coverage policies do not include collision or comprehensive insurance. You can choose GEICO if you are looking for minimum coverage, since it offers the cheapest policy in Hartford. And again, if you are from military background then USAA is the most affordable option for you. The cheapest rates offered by the companies are provided below:

Companies  

Average Annual Rate (Minimum)

GEICO

$427

USAA (only for people with Military background)

$434

Amica Mutual

$660

State Farm

$772

Allstate

$818

Progressive

$889

Travelers

$922

Nationwide

$1,064

MetLife

$1,723

 

Table 9

However, it needs to be noted that if you are a Hartford driver then you need at least 25/50/25 as a liability limit. If you are opting for a minimum insurance then you might not be able to fulfil the minimum liability requirement of Connecticut. According to Connecticut’s minimum liability requirement, you need a coverage of $25,000 per person, $50,000 per accident and $25,000 for property damage. You can choose 100/300/100 for better security as well. If you are an uninsured motorist then you need $25,000 per person and $50,000 per accident to meet the requirements.

State farm logo

Analysis of the overall results

From the above discussion it is evident that if you are living in Hartford you already have a number of choices in companies that you can purchase car insurance from. However, so many choices might be confusing for you. In this section of the article we provide you with the analysis that can help you in reaching to a firm decision and choose the one most suitable for you.

The above discussion suggests that GEICO offers the overall cheapest Hartford Connecticut car insurance policies that you can go with. It is quite affordable and the company being widely available in the entire nation, you can easily purchase the insurance without any issue. GEICO also provides the cheapest minimum rate in car insurance. Therefore, if you are opting for the least price that you can pay, you should choose GEICO.

On the other hand, if you belong to a Military family then USAA can be the most suitable company for you to buy car insurance. USAA provides a cheaper offer to the people with Military background. However, if you want to pay the cheapest minimum rate for insuring your car then GEICO is the best choice for you.

After GEICO, State Farm is chosen to be the best choice for car insurance. Analysis of average price, coverage options and customer satisfaction has placed the company right after GEICO. It might not be the cheapest option available but it can be a decent one, which is affordable as well as feasible. State Farm is actually the best option for your car insurance if you are a Hartford, Connecticut driver.

Conclusion

The primary aim of this article was to provide you with appropriate information that can help you in gaining knowledge in the cheapest and best car insurance available in Hartford, Connecticut. Through the analysis it has been resulted that GEICO is the cheapest auto insurance provider while State Farm can be a decent option if you want a quality service. However, we have compared the prices of different companies available in Hartford. The analysis of different demographics have been presented in the article as well. Hope this becomes helpful to you when you look for the most suitable car insurance for yourself.  

Resource list:-

If you want to gather detailed information on Car insurance companies and the policies that they offer, you can visit the links that are provided below:

The Zebra

Money geek

GEICO

State Farm

USAA

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