McKayla Girardin, Car Insurance Writer
@mckayla_girardin
The Hartford is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from The Hartford costs an average of $108 per month, and The Hartford premiums can be made even cheaper by taking advantage of discounts such as safety features discounts and paid-in-full discount. Plus, The Hartford rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.
Average Monthly Rates for The Hartford vs. Top Competitors
| Company | Minimum Coverage | Full Coverage |
| The Hartford | $108 per month | $371 per month |
| State Farm | $86 per month | $293 per month |
| Progressive | $86 per month | $337 per month |
Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.
The Hartford is especially cheap for young drivers in particular. That’s because The Hartford has special savings opportunities for drivers in this category, such as discounts for students who maintain at least a B average.
Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so the best way to find the good deal. If you want to learn more, you can check out WalletHub’s review of The Hartford and see The Hartford's full profile.
People also ask
How can I get cheaper car insurance?
The best way to get cheaper car insurance is to compare quotes from multiple companies and then switch to whichever insurer offers the coverage you want at the cheapest rate. Other ways to get cheaper car insurance include taking advantage of discounts, improving your driving record, and raising your credit score.
10 Ways to Get Cheaper Car Insurance
1. Compare quotes every 6-12 months.
Every car insurance company calculates premiums slightly differently,...
read full answer by WalletHub, Financial CompanyWhy did The Hartford raise my rate?
The Hartford could have raised your rate for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause The Hartford to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. The Hartford may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare...
read full answer by Candace Baker, Car Insurance WriterDoes The Hartford use telematics?
Yes, The Hartford uses telematics with TrueLane, a program that tracks your driving habits using a mobile app or plug-in device. You can get a discount of up to 12% when you sign-up for TrueLane, and the better you drive, the more you can save with The Hartford.
How The Hartford's TrueLane Works
- Tracks miles driven, braking, distracted driving, and speeding
- Uses a mobile app or plug-in device for tracking
- ...
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