A Review of AARP – Hartford Car Insurance Prices: A Select State Comparison, Your Price Varies Big from State to State
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UPDATED: Jul 1, 2020
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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.
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 Female||Atlanta, GA||Fort Worth, TX||Portland, 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|
|Comprehensive w/ Deductible||$1,000||$1,000||$1,000|
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.
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.
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.
|Company||50 Y/O male, minor traffic violation||Family of 4||Senior 55 Y/O Married|
The Hartford’s Ratings & Discount Amount for Policies
|AM Best Financial Strength Rating (the Hartford)||BBB+|
|JD Power & Associates Rating||4 out of 5|
|Complaint Ratio per Vehicle - New Jersey||1 / 18,598|
|Complaint Ratio per Vehicle - California||2 / 254,417|
|Discount Type||Discount Amount|
|Airbags||10 - 20%|
|Anti-Theft Devices||5 - 15%|
|Anti-Lock Braking System||5%|
|Multi-Policy||5 - 15%|
The Hartford Claims and Contact Information
|The Hartford Resources||Contact Information|
|Mobile app||www.hartford.com / service / mobile-tools|
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.)