The Hartford Michigan Auto Insurance Rates

Median premium: $1,312/6mo across 1,159 ZIP codes.

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

Median Premium
$1,312
per 6 months
Premium Range
$788–$1,713
min to max
Ranked #1 Cheapest
0
0% of ZIPs
ZIP Coverage
1,159
ZIP codes rated

How The Hartford Compares in Michigan

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

USAA
100% cheapest$900
Auto-Owners
0% cheapest$1,125
State Farm
0% cheapest$1,150
Allstate
0% cheapest$1,224
Auto Club (AAA)
0% cheapest$1,225
Farmers
0% cheapest$1,250
Amica Mutual
0% cheapest$1,275
Progressive
0% cheapest$1,312
The Hartford
0% cheapest$1,312
Cincinnati Financial
0% cheapest$1,350
Nationwide
0% cheapest$1,375
Hanover Insurance
0% cheapest$1,375
GEICO
0% cheapest$1,386
Travelers
0% cheapest$1,400
Liberty Mutual
0% cheapest$1,438

Geographic Detail

Cheapest Cities for The Hartford

CityAvg Premiumvs. State Median
Flint$788-40%
Burton$788-40%
Lansing$788-40%

Most Expensive Cities for The Hartford

CityAvg Premiumvs. State Median
White Pigeon$1,713+31%
Watervliet$1,713+31%
Vicksburg$1,713+31%

The Hartford Michigan Insurance FAQ

ZIP Code Lookup

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Other carriers in Michigan

USAA$900/6moState Farm$1,150/6moGEICO$1,386/6moProgressive$1,312/6moFarmers$1,250/6moAllstate$1,224/6moNationwide$1,375/6moLiberty Mutual$1,438/6moTravelers$1,400/6moAuto-Owners$1,125/6moAuto Club (AAA)$1,225/6moCincinnati Financial$1,350/6moAmica Mutual$1,275/6moHanover Insurance$1,375/6mo
View all Michigan carriers →

The Hartford ranks #9 out of 15 carriers in Michigan with a median 6-month premium of $1,312. This places The Hartford 0% below the statewide median of $1,312. The carrier covers 1,159 ZIP codes across the state, with premiums ranging from $788 to $1,713.

The Hartford is the cheapest option in 0% of Michigan ZIP codes (0 ZIPs). The most affordable The Hartford rates are found in Flint, where the average premium is just $788. On the other end, White Pigeon has the highest The Hartford premiums, averaging $1,713 per 6-month term.

All rate data is sourced from SERFF regulatory filings — the official rate structures The Hartford filed with the Michigan 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 15 carriers, 1,159 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.