Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 1, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Hartford auto premiums are famous for saving drivers money. What you’ll find is that Hartford prices fluctuate depending on a number of factors, the location you live being one of the more significant.

In fact, the difference in average premiums from the top 10 most expensive states in the country to the 10 most affordable is roughly a factor of three.

Comparing premium price per month for Georgia, Texas, and Maine.

To understand the impact of where you live on your Hartford car insurance prices, consider this sample driver profile and what she would pay living in upper-middleclass neighborhoods in:

Atlanta, GA; Fort Worth, TX; and Cumberland Center (outside Portland), ME – examples of expensive, mid-range, and least-expensive states in the country for premiums, respectively.

59 Year Old Driver Profile Table Illustration

Below is table outline the coverage and cost for three states with the “exact same” driver profile

59-Year-Old FemaleAtlanta, GAFort Worth, TXPortland, ME
Cost Per Month$154.69$63.97$33.94
Annual Premium Price$1,856.28$767.64$407.28
Coverage BIL & PD$25,000$25,000$25,000
Uninsured Motorist Coverage$50,000$50,000$50,000
Medical Payments N/AN/A$1,000
Comprehensive w/ Deductible$1,000$1,000$1,000
Get Your Rates Quote Now

Compare RatesStart Now →

Driver Profile Details

The profile we’re using to price Hartford is a single, 59-year-old female (we’ll call her Maxine) who owns a 2013 Acura TL. She drives 35 miles each way to work and puts about 22,000 miles each year on her car, which is her only vehicle and for which she is the only driver.

She has one speeding ticket on her record from four years ago, has taken a defensive driving class, and needs to renew her premium because her old carrier raised the rates when her plan ran out.

Quotes for an annual premium in Georgia, Texas, and Maine.

Coverage Profile – Same Coverage per State

The following quotes for Hartford are built on a policy that includes $25,000 in coverage for bodily injury and property damage liability (which is above the minimum required amount for each state) as well as medical payments liability coverage as required in Maine.

These quotes also include the lowest available amount for uninsured motorist bodily injury and property damage coverage ($50,000) and comprehensive coverage with a $1,000 deductible.

Prices for Coverage Explained

Living in the 30318 zip code of Georgia, Maxine would pay $154.69 per month, for a total annual premium of $1,856.28.

In the mid-range state of Texas in the 76109 zip code, Maxine would pay $63.97 a month for a yearly premium of $767.64.

In Maine (one of the cheapest states in the country for an auto premium) the Acura at Maxine’s 04021 zip code would cost only $33.94 a month, for 407.28 a year. (This takes into account the fact that Maine is also the only of the three states to require medical payments liability coverage.)

Helping Reduce the Cost of Driving

Of course, these aren’t the only costs of owning a car in these states. Repairs, taxes and fees, and gasoline are important elements to consider in calculating the cost of car ownership.

Average Premium in Georgia, Texas, and Maine Compared to U.S. average.

The same trends for price ranges do apply in these state-by-state comparisons; Georgia is actually the most expensive state to own a car according to some estimates, despite not being the most expensive state for overall premium costs.

Maine, on the other hand, has very high taxes, which also indirectly influence fuel costs, putting it in the middle of the pack for overall car ownership costs, several spots above Texas.

Comparing Hartford to Other Insurers

Below are tables comparing quotes with other insurers against Hartford. 

Company50 Y/O male, minor traffic violationFamily of 4Senior 55 Y/O Married
State Farm$532$1,010$335
21st Century$571$1,067$492
Get Your Rates Quote Now

Compare RatesStart Now →

The Hartford’s Ratings & Discount Amount for Policies

AM Best Financial Strength Rating (the Hartford)BBB+
JD Power & Associates Rating4 out of 5
Complaint Ratio per Vehicle - New Jersey1 / 18,598
Complaint Ratio per Vehicle - California2 / 254,417
Get Your Rates Quote Now

Compare RatesStart Now →

Discount TypeDiscount Amount
Airbags10 - 20%
Anti-Theft Devices5 - 15%
Anti-Lock Braking System5%
Multi-Vehicle Policy20%
Multi-Policy5 - 15%
Get Your Rates Quote Now

Compare RatesStart Now →

The Hartford Claims and Contact Information

The Hartford ResourcesContact Information
Claims 1-800-243-5860
Mobile appwww.hartford.com / service / mobile-tools
Get Your Rates Quote Now

Compare RatesStart Now →

Final Thoughts

The obvious conclusion you can draw is that despite competitive Hartford prices, where you live will have a large impact on how much you pay to drive, especially for auto premium prices.

While insurers advertise nationally, premium rates and regulations are handled by each state.

Having a better sense of where your state ranks will help you make a more informed decision when it comes time to buy or renew your coverage.

(Note: this article is strictly informational in its intent as the author has no affiliation with Hartford or any other provider.)





Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.