Hartford roads average an average of66 fatal accidentsAccording to a Tripnet.org survey, each year there are approximately 400,000 trips.77% of the city’s roads are publicThey are in poor or mediocre health. It is important for Hartford drivers to get the best car insurance so they are properly protected in case of an accident.Hartford’s average annual car insurance cost is $1,106 for minimum coverage and 2,395 for complete coverage. This includes collision and comprehensive.
Quadrant Information Services was our partner to determine the average premium rates of the Hartford-area insurers. We looked at customer service rankings and other factors to determine the best car insurance companies in Hartford.
Hartford’s best car insurance companies
The Hartford average rate for car insurance is lower than the Hartford average, which makes them a good choice if you’re on a tight budget. J.D. analyzed their rankings. Power’s influential Customer Satisfaction Index Ranking for the New England region, which measures the quality of customer service. We also examined the policy options and discounts available to determine who provided the best choice for policyholders. We also looked at websites to find out who makes it easy for businesses to be done online.
Allstate
J.D. Allstate is one of our top picks. Although the company’s power score was the lowest among the companies we reviewed, it made up for it by offering low prices and wide range of optional coverages. It is also notable for its website and mobile app, which are both easy-to-use and broad 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. You get a claim satisfaction guarantee, an accident forgiveness, and a declining-deductible that reduces your deductible by $100 for each year you are accident free.
Amica
Although not as well-known than some of the others on the list, Amica has a solid reputation for writing policies in Hartford. It occupies the top spot in the J.D. It is on the top spot of the J.D. Power list. You should receive fast and efficient service when you file a claim or work with an agent.
Although Amica’s website may be less extensive than Allstate’s, it’s still possible to track and report a claim as well as pay your bill. Gap insurance, roadside assistance and glass coverage are all available. You can save more on the already low company rates by taking advantage of all 18 discounts.
Geico
Geico is known for its low rates. Hartford drivers may find that to be true. We found that the company had the lowest average rates for full and minimum coverage of any company. Geico is a good choice if you are looking for the best car insurance Hartford has to offer.
Geico doesn’t offer a wide range of optional coverages. It only offers 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.
State Farm
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. J.D. rates it highly. It is second behind Amica in power, which is above average. The website is intuitive and easy to use, as well as an award-winning mobile app.
State Farm offers discounts, including the Drive Safe & Save Program. This program can earn you up to 30% if you’re a safe driver. If you drive for Uber, Lyft, or another rideshare company, optional coverages include rideshare driver coverage and emergency roadside assistance.
USAA
USAA offers insurance to only current and former military personnel and their families. It is a smart idea to request a quote if you fall within this group. The average premium cost of USAA is well below Hartford’s, and the company offers many perks to servicemen and women.
For garaging your vehicle on base, you can save 15% on your comprehensive insurance. You can save up to 60% when you store your car while you’re deployed. USAA has an online community that is supportive and highly rated by J.D. for customer service. Power.
Hartford has the lowest car insurance
Hartford’s average premium rate for full coverage is $2,395. This is quite high. The annual average for Connecticut as a whole is $1,845, which is itself above the national annual average of $1,674. Rates are partly determined by the amount of accidents that occur in the area where the policyholder resides. Hartford’s accident rate is high enough for insurers to pay steep premiums.
The table below shows the five companies with the cheapest car insurance in Hartford. They were four of the “Best Of” companies, with Nationwide being the only one to be added.
It is worth contacting each of these five companies to get 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. If you’re a member of the military, USAA should be your first stop. Nationwide’s rates are below the Hartford average, and your rate may be lower, especially if you are eligible for some discounts.
Hartford insurance requirements
Nearly every state has laws that govern the minimum amount of auto insurance required to legally drive on public roads. In Connecticut, that minimum is usually written 25/50/25. That is what it means.
- $25,000 bodily injury liability per individual
- $50k bodily injury liability per accident
- $25,000 per accident property damage liability
- $25,000 bodily injury to a motorist who is not covered by insurance
- $50,000 bodily injury to an uninsured motorist per accident
- $25,000 bodily injury to a motorist who is not covered by insurance.
- $50,000 bodily injury to a motorist who is not covered by insurance.
These liability coverages cover the other driver. However, you can add collision or comprehensive coverage to your policy to ensure that you are protected. These coverages may be required if you are leasing your car or taking out a loan on your car.
Even though the minimum coverage is sufficient, it’s worth looking into additional coverage if you have the funds. For example, if you are at fault for a serious accident, your minimum bodily injury liability may be exhausted quickly. You would still have to pay any costs that exceed your insurance maximums in this case.
Hartford: Car insurance discounts
Discounts are offered by almost every insurance company. They can save you money and help you spend less on your car insurance. These are the most popular discounts in Hartford.
- Driver education:A driver education course that is approved in Connecticut may be a good option for you if you are over 50.
- Bundling:You may be eligible for a discount if you buy your auto insurance through the same company that issued your homeowner (or renter) or life policy.
- Anti-theftA car alarm or anti-theft device can help you save money.
- Safety devicesDiscounts may be available for anti-lock brakes and airbags as well as daytime running lights, daytime running lamps, and other safety devices.
- Electronic billingYou can pay your bill online to receive a small discount. You may be eligible to receive additional discounts if you agree to receive all of your policy documents online.
Questions frequently asked
Which is the best auto insurance company?
You might not choose the company with the best rates or service for your neighbor. 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.
What is the cost of Hartford car insurance?
Hartford insurance companies offer full coverage at an average premium cost of $2,395 and minimum coverage at $1,106. Rates will vary depending on many factors, including the make, age, and location of your vehicle, your credit rating, and your age.
What amount of Hartford car insurance do you need?
You want sufficient coverage to be able, no matter what the severity of the accident, to cover the cost of your insurance. Insurance experts agree that the minimum coverage is too low. Common advice is to have 100/300/50 liability coverage along with any optional coverages that you can afford.
