Hartford Car Insurance

Find the best car insurance policy today.

Written by Emily Colosimo
Written by Emily Colosimo

Emily Colosimo is an insurance writer from TrustedChoice.com. She has been a writer since 2014 with a bachelor's degree in Public Relations. Emily has advanced her copywriting and SEO skills with prior work at multiple non-profit organizations around the world.


Said to be the oldest metro region in the nation, Hartford is grown into a modern city while still showcasing its history. As the capital of the state and with a population over 120,000, the roads are sometimes packed with distracted or unfamiliar drivers. Purchasing top-quality car insurance will make sure you’re covered when disaster strikes.

An independent insurance agent can help you exactly what you’re looking for. They work with numerous insurance companies and will find you a rate that fits your budget. Talk with an agent to get started.

How Much Does Car Insurance Cost in Hartford, CT?

Car insurance in Hartford is 37% more than the state average.

  • National car insurance rate: $1,311
  • Connecticut car insurance rate: $2,235
  • Hartford car insurance rate: $3,593

Your exact rate is going to be dependent on your specific characteristics that may help lower the price tag. Insurance companies each have their own varied calculations to develop your quote. They’ll look at some things like your driving history, age, credit score and the make and model of your car.

Comparison shopping is always a good idea and an independent insurance agent will do that for you. This will guarantee that you’ll get an affordable price.

Discounts on Hartford Car Insurance

There are numerous car discounts that you may already qualify for. Discounts that may be offered are:

  • Anti-theft devices: If your car is updated with alarms or tracking tools
  • Airbags: If your car has more than one airbag
  • Safe driving courses: If you take a defensive driver’s class
  • Multi-policy: When you bundle your auto and home insurance policy

Every insurance company has their own discounts. Let an independent agent help you decipher what you may qualify for to help you save money.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Required Car Insurance Coverages in Hartford, CT

As a Hartford driver, you are required to carry liability coverage at the following minimum limits:

  • $25,000 for bodily injury liability insurance per person per accident
  • $50,000 for total bodily injury, per accident
  • $25,000 for property damage liability insurance, per accident

If you are found responsible for the collision, this coverage will help to repair the other person's property or medical bills. It’s important to remember that your insurer will only cover to this limit, and once it exceeds, you’ll be responsible for footing the bill.

You may want to consider purchasing additional coverages such as collision coverage or comprehensive coverage. These will go beyond your liability coverage to ensure that you’ll be financially secured whether you get in an accident, or even if a tree branch falls on your car. Chat with an independent agent about additional vehicle coverage options you have

Uninsured Motorist Coverage is Required in Hartford, CT

You are also required to carry uninsured motorist coverage in Hartford. Your car insurance quote will include the minimum coverage limit:

  • $25,000 per person
  • $50,000 total per accident

This will help pay for medical bills and vehicle damage if you get into a collision with a driver that is underinsured. With 9.4% of drivers in the state without car insurance, this policy will make sure you don’t have to pay out of pocket.

Will Your Car Be Covered from Vehicle Theft in Hartford, CT?

(Theft rate per 100,000)

  • National average: 228.9
  • Connecticut average: 206.7
  • Hartford, CT average: 601.9

You won’t have to worry if you have a comprehensive car insurance policy. This coverage will protect you if your car gets broken into or even stolen.

  • It will replace your car if it’s stolen
  • It will replace car parts that are stolen
  • It will repair damage to your car from a break-in (broken windows and locks)

Your comprehensive policy will not cover theft of your personal belongings, like your phone or laptop. Leaving valuables in your car is never a good idea, and may even prevent a break-in. Chat with an agent to learn more about what car insurance options you have.

Let a Hartford, CT, Independent Agent Help You Find Affordable Car Insurance

Finding a top-quality car insurance policy is made easy with an independent insurance agent. They’ll comparison shop with numerous insurers until you’ve found the coverage you need at the price you want. Contact an agent today to get started.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn