The Hartford car insurance costs an average of $863 per year ($72 per month) for a minimum-coverage policy, which is more than the national average of $720 per year. The exact cost of auto insurance with The Hartford depends on factors such as a driver’s history on the road, age, state, and coverage limits. For example, full coverage insurance from The Hartford costs an average of $2,897 per year.
Average Cost of The Hartford Car Insurance by Category
Average Annual Premium
After a Speeding Ticket
Recent At-Fault Accident
The Hartford determines car insurance rates by considering the likelihood of the driver filing a claim in the future. Some drivers, like teens or drivers who recently caused an accident, are considered to be especially high-risk, so they’re charged higher rates than the average policyholder. The good news is that The Hartford offers several discounts that drivers can use to save on their rate, including a multi-vehicle and multi-policy discount.
To see how much a The Hartford policy will cost you, you can go online or call (800) 423-6789. You can also learn more by checking out WalletHub’s The Hartford car insurance review.
You can lower your car insurance with The Hartford by taking advantage of discounts, opting for a higher deductible, and reducing your coverage, among other things. The Hartford considers a variety of factors when calculating your premium, though some - like your age and location - are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer
How to Lower the Cost of Car Insurance from The Hartford
Use The Hartford’s auto insurance discounts
The Hartford offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount [of up to 5% if they bundle their auto and homeowners insurance . Or you can save on your premium if your policy covers a high school or college student who maintains at least a 3.0 GPA.
Raise your car insurance deductible
Opting for a higher deductible on any of your insurance policies from The Hartford can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.
Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.
Improve your driving record
Practicing safe driving habits and avoiding moving violations can help you qualify for lower rates from The Hartford long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state.
Build and improve your credit
Because your credit history is correlated with your likelihood of filing an insurance claim, The Hartford uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.
Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your premium with The Hartford.
Drive an insurance-friendly car
Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from The Hartford to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.
Sign up for TrueLane
TrueLane, The Hartford's telematics program, rewards you for good driving with a discounted premium. Specifically, TrueLane tracks the time of day that you drive, miles driven, braking, distracted driving and acceleration. By using TrueLane, drivers can save up to 25% on their rate.
Finally, if you’re struggling to afford your policy with The Hartford, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.
The Hartford insurance rates go up by an average of 121% after an accident. Drivers who have The Hartford accident forgiveness will not see their car insurance rates go up at all after their first accident in 5 years, however. Even if the accident can’t be forgiven, it will only affect your insurance rate for … read full answer3-5 years, depending on your state.
The exact amount that premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused, and the policyholder’s driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Repeat offenders also see relatively large rate hikes.
The Hartford car insurance premiums go up by an average of 54% after a speeding ticket, according to WalletHub’s analysis. The exact amount that a driver’s rate will go up after a ticket depends on a few factors, including their state, how fast they were going, and their previous driving history.… read full answer
For example, a speeding ticket will cause The Hartford to raise your rate by 54% in California, compared to only 33% in Arizona. And if you’ve received other tickets within the past few years, you’ll face higher penalties than first-time offenders because The Hartford may consider you a high-risk driver.
The good news is that a speeding ticket will only affect your policy with The Hartford for 3-5 years, depending on your state. In the meantime, there are steps that you can take to lower your rate. For example, you may be able to take a defensive driving class to remove the ticket from your record. You can also lower your coverage or check The Hartford’s discounts to see what you can qualify for.
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