Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Hartford, AL are $282/month
  • The cheapest car insurance company in Hartford for teen drivers is USAA
  • The cheapest car insurance company in Hartford after a DUI is USAA

Average car insurance rates in Hartford, Alabama are $282 a month. But with a little research you can get a great deal from the top car insurance companies in Hartford, AL. Before you buy Hartford, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Hartford car insurance rates with Madison car insurance rates, Decatur car insurance rates, or Dothan car insurance rates to make sure you’re getting the best Hartford, AL car insurance quotes available.

Need affordable Hartford, AL car insurance? Enter your ZIP code to compare Hartford car insurance quotes from multiple car insurance companies near you.

Hartford, AL Minimum Car Insurance Coverage

Hartford, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Hartford, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Hartford, AL Car Insurance Rates by Coverage Level

Some Hartford drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Hartford, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Hartford, Alabama

Insurance Company Low Medium High
Allstate $2,946 $3,046 $3,158
Farmers $3,491 $3,644 $3,938
GEICO $2,357 $2,572 $2,826
Liberty Mutual $4,653 $4,857 $5,131
Nationwide $2,529 $2,526 $2,589
Progressive $3,589 $4,031 $4,555
State Farm $3,864 $4,084 $4,322
Travelers $3,404 $3,650 $3,683
USAA $1,907 $1,969 $2,066

Hartford, AL Car Insurance Rates by Age, Gender, and Marital Status

Hartford, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Hartford, AL car insurance, get quotes from multiple car insurance companies in the Hartford area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hartford, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,854 $1,772 $1,675 $1,708 $6,351 $6,825 $2,083 $2,131
Farmers $2,128 $2,115 $1,904 $2,018 $8,097 $8,336 $2,416 $2,516
GEICO $1,857 $1,841 $1,782 $1,847 $4,861 $4,727 $1,961 $1,801
Liberty Mutual $2,881 $3,114 $2,373 $2,654 $10,274 $11,421 $3,065 $3,261
Nationwide $1,674 $1,696 $1,527 $1,581 $4,358 $5,617 $1,856 $2,074
Progressive $2,228 $2,085 $1,826 $1,961 $9,016 $10,039 $2,590 $2,720
State Farm $2,526 $2,526 $2,281 $2,281 $7,533 $9,448 $2,851 $3,276
Travelers $1,466 $1,490 $1,367 $1,366 $7,744 $12,202 $1,391 $1,605
USAA $1,240 $1,260 $1,159 $1,139 $3,648 $4,046 $1,611 $1,741

Hartford, AL Car Insurance Rates for Teens

How much is Hartford, Alabama car insurance for teens? Compare rates from top Hartford car insurance companies below to help find the cheapest teen car insurance in Hartford, AL.

Annual Car Insurance Rates for Teen Drivers in Hartford, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,351 $6,825
Farmers $8,097 $8,336
GEICO $4,861 $4,727
Liberty Mutual $10,274 $11,421
Nationwide $4,358 $5,617
Progressive $9,016 $10,039
State Farm $7,533 $9,448
Travelers $7,744 $12,202
USAA $3,648 $4,046

Hartford, AL Car Insurance Rates for Seniors

Before seniors buy Hartford, Alabama car insurance, they should make sure to shop around. Some Hartford, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Hartford, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,675 $1,708
Farmers $1,904 $2,018
GEICO $1,782 $1,847
Liberty Mutual $2,373 $2,654
Nationwide $1,527 $1,581
Progressive $1,826 $1,961
State Farm $2,281 $2,281
Travelers $1,367 $1,366
USAA $1,159 $1,139

Hartford, AL Car Insurance Rates by Credit History

How does your credit history affect Hartford, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Hartford, Alabama

Insurance Company Poor Fair Good
Allstate $3,772 $2,958 $2,419
Farmers $4,140 $3,559 $3,374
GEICO $3,286 $2,346 $2,123
Liberty Mutual $6,988 $4,285 $3,368
Nationwide $3,073 $2,400 $2,171
Progressive $4,585 $3,927 $3,663
State Farm $6,627 $3,359 $2,285
Travelers $3,904 $3,385 $3,448
USAA $2,659 $1,734 $1,549

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Hartford, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Hartford, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Hartford.

Annual Hartford, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,602 $3,060 $3,607 $2,931
Farmers $3,108 $4,015 $3,916 $3,725
GEICO $1,744 $2,808 $3,466 $2,321
Liberty Mutual $3,831 $5,323 $5,214 $5,154
Nationwide $2,231 $2,231 $3,241 $2,489
Progressive $3,661 $4,598 $3,953 $4,021
State Farm $3,699 $4,568 $4,047 $4,047
Travelers $2,986 $3,133 $4,566 $3,631
USAA $1,526 $1,911 $2,835 $1,650

Hartford, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Hartford, AL car insurance rates. Compare rates below to see which Hartford car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Hartford, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,607
Farmers $3,916
GEICO $3,466
Liberty Mutual $5,214
Nationwide $3,241
Progressive $3,953
State Farm $4,047
Travelers $4,566
USAA $2,835

Hartford, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Hartford, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Hartford companies based on commute time.

Annual Car Insurance Rates by Commute Length in Hartford, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,050 $3,050
Farmers $3,691 $3,691
GEICO $2,538 $2,632
Liberty Mutual $4,880 $4,880
Nationwide $2,548 $2,548
Progressive $4,058 $4,058
State Farm $3,991 $4,189
Travelers $3,579 $3,579
USAA $1,890 $2,071

Hartford, AL Cheapest Car Insurance Rates

How do the top Hartford, Alabama car insurance companies’ average rates stack up against the Hartford average monthly car insurance rates of $282? Take a look and see.

Best Annual Car Insurance Rates by Company in Hartford, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Hartford, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Hartford, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Hartford, Alabama

Insurance Company Average Annual Rates
Allstate $3,050
Farmers $3,691
GEICO $2,585
Liberty Mutual $4,880
Nationwide $2,548
Progressive $4,058
State Farm $4,090
Travelers $3,579
USAA $1,981

Other Factors Affecting Hartford, AL Car Insurance Rates

Before you buy Hartford, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Hartford, AL Car Theft Rates

The car theft rate in Hartford, AL will affect your car insurance rates. FBI data shows that the annual car theft rate for Hartford, Alabama is 8 stolen cars.

Hartford, AL Commute Time

How does your Hartford, AL commute time compare with the average driver? In Hartford, the average commute is 27.5 minutes.

Hartford, AL Traffic

Spending time in Hartford traffic can lead to higher car insurance rates. According to INRIX data, Hartford, AL ranks as the 292nd-most congested with traffic in the world.

Hartford, AL Car Insurance Quotes

Compare Hartford, AL car insurance quotes from multiple companies by entering your ZIP code now.