The Hartford Florida Auto Insurance Rates

Median premium: $1,354/6mo across 1,473 ZIP codes.

Based on SERFF regulatory rate filings — the official rate structure The Hartford filed with the Florida Department of Insurance.

Median Premium
$1,354
per 6 months
Premium Range
$813–$1,703
min to max
Ranked #1 Cheapest
0
0% of ZIPs
ZIP Coverage
1,473
ZIP codes rated

How The Hartford Compares in Florida

Median 6-month premium across all rated ZIPs. The Hartford highlighted in blue.

USAA
100% cheapest$906
State Farm
0% cheapest$1,158
Auto-Owners
0% cheapest$1,161
GEICO
0% cheapest$1,258
Auto Club (AAA)
0% cheapest$1,264
Amica Mutual
0% cheapest$1,316
Progressive
0% cheapest$1,322
The Hartford
0% cheapest$1,354
Farmers
0% cheapest$1,358
Nationwide
0% cheapest$1,419
Travelers
0% cheapest$1,445
Liberty Mutual
0% cheapest$1,484
Allstate
0% cheapest$1,636

Geographic Detail

Cheapest Cities for The Hartford

CityAvg Premiumvs. State Median
Naples$813-39%
Bonita Springs$813-39%
Copeland$813-39%

Most Expensive Cities for The Hartford

CityAvg Premiumvs. State Median
North Miami Beach$1,703+29%
Key Biscayne$1,703+29%
Coral Gables$1,703+29%

The Hartford Florida Insurance FAQ

ZIP Code Lookup

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Other carriers in Florida

USAA$906/6moState Farm$1,158/6moGEICO$1,258/6moProgressive$1,322/6moFarmers$1,358/6moAllstate$1,636/6moNationwide$1,419/6moLiberty Mutual$1,484/6moTravelers$1,445/6moAuto-Owners$1,161/6moAuto Club (AAA)$1,264/6moAmica Mutual$1,316/6mo
View all Florida carriers →

The Hartford ranks #8 out of 13 carriers in Florida with a median 6-month premium of $1,354. This places The Hartford 2% above the statewide median of $1,322. The carrier covers 1,473 ZIP codes across the state, with premiums ranging from $813 to $1,703.

The Hartford is the cheapest option in 0% of Florida ZIP codes (0 ZIPs). The most affordable The Hartford rates are found in Naples, where the average premium is just $813. On the other end, North Miami Beach has the highest The Hartford premiums, averaging $1,703 per 6-month term.

All rate data is sourced from SERFF regulatory filings — the official rate structures The Hartford filed with the Florida Department of Insurance. Rates shown are calculated using The Hartford's filed rating algorithm for a standard driver profile (35-year-old, clean record, 2024 Toyota Camry LE, 50/100/50 liability). Actual premiums may vary based on your specific profile, driving history, and coverage selections. Data is updated within days of new filing approvals.

Want to see rates for your ZIP code?

Access ZIP-level rate data across all 13 carriers, 1,473 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.