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Get Cheap Car Insurance in Hartford, Providence, RI
We monitor insurance prices, helping the average driver in Hartford save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in Hartford
The chart below shows the cheapest car insurance company in Hartford for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safeco Insurance, followed by Geico, Progressive, and Midvale Home & Auto.
| Hartford Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $95 |
| Geico | $122 |
| Progressive | $143 |
| Midvale Home & Auto | $150 |
Savings for Every Kind of Hartford Driver
Based on our extensive insurance data, we know the average Hartford driver will save about 33% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $909 per year by choosing the right vehicle insurance company. Some Hartford residents are paying out over $2,732 extra every year for auto insurance in Hartford. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hartford, Providence, RI Savings / Yr. |
|---|---|
$909 |
|
$1,098 |
|
$1,210 |
|
$2,046 |
|
$4,255 |
|
$310 |
|
$921 |
Hartford Car Insurance vs. Providence
People living in Hartford pay an average of 22.69% more than the typical driver in the state. The average driver in Hartford can expect to pay about $1,672 per year, or $2,732 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Hartford for most people.
Car Insurance Prices by Hartford Neighborhood
Insurance Prices
Where is insurance cheapest within Hartford?
The map shows insurance prices in and around Hartford, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $577 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,847 to a low of $2,270. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Hartford.Pick the Best Car Insurance Company for You in Hartford
The best car insurance provider for most drivers in Hartford
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $909 over the average Hartford car insurance company.
The best car insurance provider for Hartford drivers with accidents on their records
In our analysis, Safeco Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,098 over the competition.
The best car insurance company for Hartford drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,210 better than other car insurance companies.
The best auto insurance for Hartford drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $2,046 less each year.
The least expensive car insurance company for new and young drivers in Hartford
In Hartford, State Farm costs young drivers $4,255 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hartford
Geico gave the largest car insurance discounts to married couples, averaging $310 saved each year compared to an average Hartford couple's premiums.
The cheapest car insurance in Hartford for drivers with bad credit
The best Hartford car insurance company for customer service
Recent price drops
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The cheapest large national provider in Hartford
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Hartford driver can expect to pay about $124 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Hartford, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, drivers with bad credit, drivers with accidents, young drivers, married couples, and good drivers.Auto Insurance Prices in and Around Hartford
What Influences the Cost of Car Insurance in Hartford?
On average, car insurance in Hartford is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Hartford is 30 minutes, which is about the national average for a driver in the city.
- Rhode Island state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Hartford are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Hartford is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Hartford is $139 per month for minimum coverage and $228 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Silver Lake: Insurance costs 0.73% less
- Olneyville: Insurance costs 0.81% less
- Mount Pleasant: Insurance costs 1.83% more
- Manton: Insurance costs 1.28% less
- Valley: Insurance costs 5.64% less
- West End: Insurance costs 4.28% more
- Federal Hill: Insurance costs 4.72% less
- Elmhurst: Insurance costs 9.88% less
- Wayland: Insurance costs 12.70% less
- Smith Hill: Insurance costs 0.33% less
Neighborhoods with Similar Populations
- Solivita: Insurance costs 2.75% less
- Far Westside: Insurance costs 16.03% less
- Expo Park: Insurance costs 15.01% less
- Edgewater: Insurance costs 53.66% less
- Eastgate: Insurance costs 40.19% less
- East Springfield: Insurance costs 35.65% less
- East Central Westminster: Insurance costs 26.50% less
- Downtown Harbor-Post Road South: Insurance costs 24.30% less
- Devington: Insurance costs 46.52% less
- Secret Cove: Insurance costs 10.91% less