- Average car insurance cost in Hartford is $3,012 per year, or approximately $251 per month. This is 30.2% more than the national average rate of $2,221.
- Car insurance rates for a few popular models in Hartford include the Nissan Rogue at $226 per month, Jeep Grand Cherokee at $251, and Chevrolet Equinox at $231.
- Small crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, Hyundai Venue, and Mazda CX-5 have top rankings for cheap car insurance in Hartford.
- Vehicles with segment-leading car insurance rates include the Nissan Titan at $2,818 per year, Toyota GR Corolla at $2,618 per year, Mercedes-Benz CLA250 at $3,100 per year, and Chevrolet Tahoe at $2,828 per year.
How much does car insurance cost in Hartford?
Average car insurance rates in Hartford, CT, cost $3,012 per year, or about $251 per month. That’s 30.2% more expensive than the overall U.S. overall average rate of $2,221 per year.
The average car insurance cost in Connecticut is $2,674 per year, so Hartford, CT, drivers pay an average of $338 more per year than the overall Connecticut state-wide average rate. When prices are compared to other locations in Connecticut, the cost of insurance in Hartford is about $408 per year more expensive than in Stamford, $104 per year more than in Waterbury, and $12 per year less than in Bridgeport.
Driver age is one of the largest factors in the price of auto insurance, so the list below details how age impacts cost by showing the difference in average car insurance rates for different driver ages.
Average car insurance cost for Hartford, Connecticut, drivers age 16 to 60
- 16-year-old driver – $10,730 per year or $894 per month
- 17-year-old driver – $10,394 per year or $866 per month
- 18-year-old driver – $9,314 per year or $776 per month
- 19-year-old driver – $8,484 per year or $707 per month
- 20-year-old driver – $6,062 per year or $505 per month
- 30-year-old driver – $3,214 per year or $268 per month
- 40-year-old driver – $3,012 per year or $251 per month
- 50-year-old driver – $2,670 per year or $223 per month
- 60-year-old driver – $2,500 per year or $208 per month
The next chart shows additional data for the 20 to 60-year-old age groups by including rates for three different comprehensive and collision deductibles. These extra rates can aid in comprehending how the cost of auto insurance increases with lower deductibles, and decreases when the policy has higher deductibles.

Average car insurance rates in the prior chart range from $2,114 per year for a policy with high deductibles for a 60-year-old driver to $7,048 per year for a 20-year-old driver with a low deductible policy.
When converted to a monthly cost, the average cost of car insurance per month in Hartford ranges from $176 to $587.
The cost to insure Hartford drivers’ favorite vehicles
The prior car insurance rates consist of an average based on every 2024 vehicle model, which is helpful when making broad comparisons such as the cost difference between two locations.
Average auto insurance rates are good for answering questions like “is car insurance cheaper in Hartford or New Haven?” or “is car insurance in Connecticut cheaper than Arizona?”.
For deeper price comparisons, however, the data will be more precise if we analyze the specific model of vehicle being insured. Every vehicle has different risk exposures for car insurance rating and this data allows us to perform more detailed comparisons.
The next list displays average insurance cost by year and month for popular vehicles cruising around Hartford.
Average car insurance rates for popular vehicles in Hartford
- Nissan Rogue – $2,708 per year or $226 per month
- Jeep Grand Cherokee – $3,012 per year or $251 per month
- Chevrolet Equinox – $2,774 per year or $231 per month
- Jeep Wrangler – $3,440 per year or $287 per month
- Ford F150 – $3,370 per year or $281 per month
- Toyota Tacoma – $3,050 per year or $254 per month
- Toyota Camry – $3,236 per year or $270 per month
- Honda Civic – $2,668 per year or $222 per month
- Tesla Model 3 – $3,538 per year or $295 per month
- Toyota RAV4 – $2,780 per year or $232 per month
In Hartford, which vehicles have the cheapest car insurance rates?
When comparing all makes and models, the models with the best car insurance rates in Hartford tend to be crossovers and small SUVs like the Kia Soul, Chevrolet Trailblazer, Nissan Kicks, and Buick Envision. Average auto insurance prices for those small SUVs cost $2,446 or less per year for a full coverage policy.
Some other vehicles that rank very well in our auto insurance price comparison are the Volkswagen Tiguan, Volkswagen Taos, Nissan Murano, and Honda CR-V. Insurance rates are a little higher for those models than the cheapest crossover SUVs that rank near the top, but they still have an average cost of $2,622 or less per year.
The table below details the cheapest vehicles to insure in Hartford, sorted by average cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $2,226 | $186 |
2 | Chevrolet Trailblazer | $2,264 | $189 |
3 | Kia Soul | $2,352 | $196 |
4 | Nissan Kicks | $2,372 | $198 |
5 | Honda Passport | $2,402 | $200 |
6 | Buick Envision | $2,414 | $201 |
7 | Toyota Corolla Cross | $2,428 | $202 |
8 | Hyundai Venue | $2,446 | $204 |
9 | Mazda CX-5 | $2,456 | $205 |
10 | Ford Bronco Sport | $2,468 | $206 |
11 | Volkswagen Tiguan | $2,494 | $208 |
12 | Acura RDX | $2,520 | $210 |
13 | Nissan Murano | $2,532 | $211 |
14 | Buick Encore | $2,558 | $213 |
15 | Subaru Outback | $2,566 | $214 |
16 | Honda CR-V | $2,568 | $214 |
17 | Buick Envista | $2,578 | $215 |
18 | Volkswagen Taos | $2,582 | $215 |
19 | Kia Niro | $2,592 | $216 |
20 | Toyota GR Corolla | $2,618 | $218 |
21 | Honda HR-V | $2,622 | $219 |
22 | Subaru Ascent | $2,624 | $219 |
23 | Nissan Leaf | $2,640 | $220 |
24 | Chevrolet Colorado | $2,656 | $221 |
25 | Lexus NX 250 | $2,666 | $222 |
26 | Honda Civic | $2,668 | $222 |
27 | Volkswagen Atlas | $2,672 | $223 |
28 | Acura Integra | $2,678 | $223 |
29 | Subaru Forester | $2,682 | $224 |
30 | Volkswagen Atlas Cross Sport | $2,684 | $224 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hartford, CT Zip Codes. Updated June 27, 2025
The above table containing 30 of the cheapest vehicles to insure in Hartford is great if you just want the lowest rates. A more efficient way to rank rates in a coherent manner is to organize them by vehicle segment.
The section below goes into average car insurance cost by vehicle segment. The average rates shown will give you a decent understanding of which vehicles have the best rates. Then the following six sections display the most affordable rates for individual models in the most popular automotive segments.
Hartford auto insurance rates by vehicle segment
If you’re shopping around for a different vehicle, it’s important to know which categories of vehicles are more affordable to insure. As an example, you may be wondering if midsize cars have cheaper auto insurance than full-size cars or whether a midsize pickup will be cheaper to insure than a full-size pickup.
The next chart displays average car insurance rates by segment in Hartford. In general, small and midsize SUVs, vans and minivans, and midsize pickup trucks have the cheapest rates, while exotic models have the highest car insurance rates.

Average car insurance rates by segment are fine for getting a ballpark comparison, but rates vary greatly within each vehicle category displayed in the above chart.
For example, in the midsize luxury SUV segment, rates range from the Jaguar E-Pace costing $2,818 per year for a full coverage policy up to the Mercedes-Benz AMG GLE63 costing $5,080 per year, a difference of $2,262 within that segment. As another example, in the sports car segment, the average insurance cost ranges from the Mazda MX-5 Miata at $2,786 per year to the Mercedes-Benz SL 63 at $6,190 per year, a difference of $3,404 within that segment.
In the upcoming sections, we eliminate a lot of this variability by comparing the average cost of car insurance in Hartford from a model perspective rather than by segment.
Cheapest cars to insure in Hartford
The #1 ranking in Hartford for the lowest-cost insurance in the sedan and hatchback segment is the Toyota GR Corolla, costing $2,618 per year. Second place is the Nissan Leaf at $2,640 per year, and ranking third is the Honda Civic, at an average of $2,668 per year.
Some other cars that have good average insurance rates are the Toyota Corolla, Kia K5, Honda Accord, and Toyota Prius, with an average cost to insure of $2,934 per year or less.
Additional cars that made the list include the Subaru Legacy, Nissan Versa, Mitsubishi Mirage G4, and Volkswagen Jetta, which average between $2,934 and $3,116 to insure per year.
Car insurance in this segment for an average middle-age driver will start around $218 per month, depending on the company and where you live.
The next table ranks the cars with the most affordable car insurance in Hartford, starting with the Toyota GR Corolla at $218 per month and ending with the Mazda 3 at $260 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $2,618 | $218 |
Nissan Leaf | Compact | $2,640 | $220 |
Honda Civic | Compact | $2,668 | $222 |
Nissan Sentra | Compact | $2,762 | $230 |
Subaru Impreza | Compact | $2,770 | $231 |
Toyota Prius | Compact | $2,816 | $235 |
Kia K5 | Midsize | $2,904 | $242 |
Honda Accord | Midsize | $2,912 | $243 |
Chevrolet Malibu | Midsize | $2,922 | $244 |
Toyota Corolla | Compact | $2,934 | $245 |
Kia Forte | Compact | $2,942 | $245 |
Volkswagen Arteon | Midsize | $2,960 | $247 |
Nissan Versa | Compact | $2,968 | $247 |
Subaru Legacy | Midsize | $2,974 | $248 |
Hyundai Ioniq 6 | Midsize | $2,996 | $250 |
Mitsubishi Mirage G4 | Compact | $3,040 | $253 |
Toyota Crown | Midsize | $3,048 | $254 |
Volkswagen Jetta | Compact | $3,048 | $254 |
Hyundai Sonata | Midsize | $3,052 | $254 |
Mazda 3 | Compact | $3,116 | $260 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hartford, CT Zip Codes. Updated June 26, 2025
See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.
Don’t see insurance cost for your vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Hartford car insurance quotes from top-rated companies in Connecticut.
Cheapest SUVs to insure in Hartford, Connecticut
Taking the top spot in Hartford for the lowest-cost insurance in the non-luxury SUV segment is the Subaru Crosstrek, costing $2,226 per year. Second place is the Chevrolet Trailblazer at $2,264 per year, and ranking third is the Kia Soul, at an average of $2,352 per year.
Also ranking in the top 10 are SUVs like the Buick Envision, Hyundai Venue, Toyota Corolla Cross, and Ford Bronco Sport, with average annual insurance rates of $2,468 per year or less.
Additional 2024 models that make the list include the Honda HR-V, Honda CR-V, Volkswagen Tiguan, and Volkswagen Taos, which cost between $2,468 and $2,624 per year for auto insurance.
Full-coverage insurance in this segment can cost as low as $186 per month, depending on the company.
The cheapest compact SUV to insure in Hartford is the Subaru Crosstrek at $2,226 per year. For midsize SUVs, the Honda Passport has the best rates at $2,402 per year. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $2,828 per year.
The table below ranks the SUVs with the lowest-cost auto insurance rates in Hartford.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $2,226 | $186 |
Chevrolet Trailblazer | Compact | $2,264 | $189 |
Kia Soul | Compact | $2,352 | $196 |
Nissan Kicks | Compact | $2,372 | $198 |
Honda Passport | Midsize | $2,402 | $200 |
Buick Envision | Compact | $2,414 | $201 |
Toyota Corolla Cross | Compact | $2,428 | $202 |
Hyundai Venue | Compact | $2,446 | $204 |
Mazda CX-5 | Compact | $2,456 | $205 |
Ford Bronco Sport | Compact | $2,468 | $206 |
Volkswagen Tiguan | Compact | $2,494 | $208 |
Nissan Murano | Midsize | $2,532 | $211 |
Buick Encore | Compact | $2,558 | $213 |
Subaru Outback | Midsize | $2,566 | $214 |
Honda CR-V | Compact | $2,568 | $214 |
Buick Envista | Midsize | $2,578 | $215 |
Volkswagen Taos | Compact | $2,582 | $215 |
Kia Niro | Compact | $2,592 | $216 |
Honda HR-V | Compact | $2,622 | $219 |
Subaru Ascent | Midsize | $2,624 | $219 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hartford, CT Zip Codes. Updated June 26, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.
Need rates for a different SUV? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Hartford car insurance quotes from top auto insurance companies in Connecticut.
Cheapest sports cars to insure in Hartford, CT
The lowest-cost sports cars to insure in Hartford are the Mazda MX-5 Miata at $2,786 per year, the Toyota GR86 at $3,174 per year, and the Ford Mustang at $3,310 per year.
Additional sports cars that have good average insurance rates are the Nissan Z, BMW M2, Toyota GR Supra, and Lexus RC F, with average annual insurance rates of $3,602 per year or less.
Car insurance rates for this segment in Hartford for a middle-age safe driver will start around $232 per month, depending on your location and insurance company.
The rate comparison table below ranks the twenty sports cars with the lowest-cost average insurance rates in Hartford, starting with the Mazda MX-5 Miata at $2,786 per year ($232 per month) and ending with the Porsche Taycan at $5,104 per year ($425 per month).
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $2,786 | $232 |
Toyota GR86 | Sports Car | $3,174 | $265 |
Ford Mustang | Sports Car | $3,310 | $276 |
BMW Z4 | Sports Car | $3,330 | $278 |
Subaru WRX | Sports Car | $3,376 | $281 |
Toyota GR Supra | Sports Car | $3,386 | $282 |
BMW M2 | Sports Car | $3,484 | $290 |
Nissan Z | Sports Car | $3,492 | $291 |
Lexus RC F | Sports Car | $3,560 | $297 |
Subaru BRZ | Sports Car | $3,602 | $300 |
BMW M3 | Sports Car | $3,806 | $317 |
Porsche 718 | Sports Car | $3,880 | $323 |
Chevrolet Camaro | Sports Car | $3,914 | $326 |
Chevrolet Corvette | Sports Car | $4,176 | $348 |
Porsche 911 | Sports Car | $4,316 | $360 |
BMW M4 | Sports Car | $4,494 | $375 |
Lexus LC 500 | Sports Car | $4,518 | $377 |
Jaguar F-Type | Sports Car | $4,754 | $396 |
Mercedes-Benz AMG GT53 | Sports Car | $4,986 | $416 |
Porsche Taycan | Sports Car | $5,104 | $425 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hartford, CT Zip Codes. Updated June 26, 2025
Looking for rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Connecticut.
Cheapest pickups to insure in Hartford, CT
Ranking at the top of the list for the lowest-cost Hartford auto insurance rates in the pickup truck segment are the Ford Maverick, Chevrolet Colorado, Ford Ranger, Nissan Titan, and Nissan Frontier. Auto insurance prices for these vehicles average $2,920 or less per year, or around $243 per month.
Not the cheapest, but still in the top 10, are trucks like the GMC Canyon, Toyota Tacoma, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with average annual insurance rates of $3,100 per year or less.
Auto insurance for this segment in Hartford for an average middle-age driver can cost as low as $221 per month, depending on where you live and the company you use. The table below ranks the pickups with the cheapest insurance rates in Hartford, starting with the Chevrolet Colorado at $221 per month and ending with the Ram Truck at $290 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $2,656 | $221 |
Nissan Titan | Full-size | $2,818 | $235 |
Nissan Frontier | Midsize | $2,846 | $237 |
Ford Ranger | Midsize | $2,880 | $240 |
Ford Maverick | Midsize | $2,920 | $243 |
Honda Ridgeline | Midsize | $2,990 | $249 |
Hyundai Santa Cruz | Midsize | $3,042 | $254 |
Toyota Tacoma | Midsize | $3,050 | $254 |
GMC Sierra 2500 HD | Heavy Duty | $3,066 | $256 |
GMC Canyon | Midsize | $3,100 | $258 |
Jeep Gladiator | Midsize | $3,174 | $265 |
GMC Sierra 3500 | Heavy Duty | $3,194 | $266 |
Chevrolet Silverado HD 3500 | Heavy Duty | $3,218 | $268 |
Chevrolet Silverado HD 2500 | Heavy Duty | $3,306 | $276 |
GMC Sierra | Full-size | $3,328 | $277 |
Chevrolet Silverado | Full-size | $3,330 | $278 |
Nissan Titan XD | Heavy Duty | $3,332 | $278 |
Ford F150 | Full-size | $3,370 | $281 |
GMC Hummer EV Pickup | Full-size | $3,458 | $288 |
Ram Truck | Full-size | $3,484 | $290 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hartford, CT Zip Codes. Updated June 27, 2025
For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Don’t see your pickup in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Hartford car insurance quotes from the best auto insurance companies in Connecticut.
Cheapest luxury car insurance rates in Hartford, Connecticut
For 2024 models, the five cheapest luxury cars to insure in Hartford are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Auto insurance rates for these five cars range from $2,678 to $3,116 per year.
Other models that have affordable average insurance rates are the Lexus ES 350, Lexus RC 300, Mercedes-Benz AMG CLA35, and Genesis G70, with average annual insurance rates of $3,166 per year or less.
Ranked in the lower half of the top 20, cars like the Audi S3, Lexus RC 350, BMW 228i, BMW 330e, Lexus ES 300h, and Lexus IS 350 average between $3,166 and $3,376 per year for full-coverage insurance.
Auto insurance in this segment for the average driver starts at around $223 per month, depending on the company.
If vehicle size is considered, the most affordable compact luxury car to insure in Hartford is the Acura Integra at $2,678 per year, or $223 per month. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $3,100 per year, or $258 per month. And for full-size luxury cars, the Audi A5 has the most affordable rates at $3,582 per year, or $299 per month.
The rate comparison table below ranks the twenty luxury cars with the lowest-cost average auto insurance rates in Hartford.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $2,678 | $223 |
BMW 330i | Compact | $3,066 | $256 |
Mercedes-Benz CLA250 | Midsize | $3,100 | $258 |
Lexus IS 300 | Midsize | $3,106 | $259 |
Acura TLX | Compact | $3,116 | $260 |
Lexus ES 350 | Midsize | $3,144 | $262 |
Cadillac CT4 | Compact | $3,146 | $262 |
Genesis G70 | Compact | $3,154 | $263 |
Mercedes-Benz AMG CLA35 | Midsize | $3,158 | $263 |
Lexus RC 300 | Midsize | $3,166 | $264 |
Lexus IS 350 | Compact | $3,178 | $265 |
Jaguar XF | Midsize | $3,186 | $266 |
Cadillac CT5 | Midsize | $3,248 | $271 |
Lexus ES 250 | Midsize | $3,260 | $272 |
Lexus RC 350 | Compact | $3,268 | $272 |
BMW 330e | Compact | $3,272 | $273 |
BMW 228i | Compact | $3,278 | $273 |
BMW 230i | Compact | $3,304 | $275 |
Lexus ES 300h | Midsize | $3,308 | $276 |
Audi S3 | Compact | $3,376 | $281 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hartford, CT Zip Codes. Updated June 27, 2025
See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.
Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Hartford car insurance quotes from top-rated companies in Connecticut.
Cheapest luxury SUV insurance rates in Hartford, Connecticut
The four most affordable luxury SUV models to insure in Hartford are the Acura RDX at $2,520 per year, Lexus NX 250 at $2,666 per year, Cadillac XT4 at $2,720 per year, and Jaguar E-Pace at $2,818 per year.
Additional models that are affordable to insure are the Lexus NX 450h, Lincoln Corsair, Lexus UX 250h, and Lexus NX 350h, with an average car insurance cost of $2,904 per year or less.
Some additional models that rank well include the Mercedes-Benz GLA250, Mercedes-Benz GLA35 AMG, Infiniti QX50, and Land Rover Evoque, which average between $2,904 and $3,024 per year for full-coverage insurance in Hartford.
From a monthly standpoint, car insurance in Hartford on this segment for a good driver starts at around $210 per month, depending on the company and your location. The table below ranks the twenty luxury SUVs with the lowest-cost average auto insurance rates in Hartford.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $2,520 | $210 |
Lexus NX 250 | Compact | $2,666 | $222 |
Cadillac XT4 | Compact | $2,720 | $227 |
Jaguar E-Pace | Midsize | $2,818 | $235 |
Cadillac XT5 | Midsize | $2,842 | $237 |
Lexus NX 350h | Compact | $2,842 | $237 |
Lincoln Corsair | Compact | $2,878 | $240 |
Mercedes-Benz GLB 250 | Compact | $2,882 | $240 |
Lexus UX 250h | Compact | $2,888 | $241 |
Lexus NX 450h | Compact | $2,904 | $242 |
Infiniti QX50 | Midsize | $2,926 | $244 |
Mercedes-Benz GLA250 | Compact | $2,938 | $245 |
Cadillac XT6 | Midsize | $2,948 | $246 |
Mercedes-Benz GLA35 AMG | Compact | $2,948 | $246 |
Infiniti QX60 | Midsize | $2,964 | $247 |
Mercedes-Benz AMG GLB35 | Midsize | $2,968 | $247 |
Land Rover Evoque | Compact | $3,006 | $251 |
Acura MDX | Midsize | $3,010 | $251 |
Lexus NX 350 | Compact | $3,022 | $252 |
Lexus RX 350 | Midsize | $3,024 | $252 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Hartford, CT Zip Codes. Updated June 27, 2025
See our guides for luxury SUV insurance to compare rates for additional makes and models.
Don’t see rates for your luxury SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Hartford car insurance quotes from top-rated companies in Connecticut.
Money-saving tips for finding cheaper Hartford car insurance
Hartford drivers are always looking to reduce the monthly expense for auto insurance So glance at the tips and ideas in this next list and it’s very possible you can save a little dough on your next car insurance policy.
- Better credit scores yield better car insurance rates. Maintaining a high credit score could save an average of $473 per year when compared to a credit rating between 670-739. Conversely, a mediocre credit rating could cost up to $548 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Keep your claim-free discount. Most insurance companies give a discount if you have not filed any claims. Insurance should be used for significant financial loss, not for minor claims.
- Save money due to your employment. Just about all auto insurance companies offer discounts for having a job in professions like dentists, engineers, accountants, nurses, doctors, architects, and others. Working in a qualifying occupation could potentially save between $90 and $293 on your yearly car insurance premium, subject to policy limits.
- More discounts equals more savings. Discounted rates may be available if the insured drivers are homeowners, insure multiple vehicles on the same policy, drive a vehicle with safety or anti-theft features, are claim-free, are loyal customers, or many other discounts which could save the average Hartford driver as much as $510 per year on the cost of car insurance
- Choose a vehicle with more affordable auto insurance rates. The vehicle you choose to drive is a huge factor in the price you pay for auto insurance. As an example, a Honda CR-V costs $3,298 less per year to insure in Hartford than a Nissan GT-R. Choose cheaper models and save money.
- Be a careful driver and save. Having frequent at-fault accidents will raise rates, to the tune of $4,304 per year for a 20-year-old driver and as much as $910 per year for a 50-year-old driver. So be safe and save.