The Hartford vs State Farm - Which Car Insurance is Cheaper?

The Hartford and State Farm are both solid car insurance companies, but what do consumers have to say about each company? With all the flashy advertising done by insurance companies, it's easy to overlook the real experiences of consumers with these companies.

Quickly compare rates from top auto insurance companies like The Hartford and State Farm to find the cheapest rate!

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Consumers can find the lowest rates in their area by comparing multiple quotes from insurance companies in your state.

The Hartford and State Farm Consumer Ratings

  The Hartford Ratings State Farm Ratings
Policy Offerings The Hartford Policy Offerings State Farm Policy Offerings
Pricing The Hartford Pricing State Farm Pricing
Billing and Payment The Hartford Billing State Farm Billing
Contacting the Insurer The Hartford Support State Farm Support
Overall Satisfaction The Hartford Satisfaction State Farm Satisfaction
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Data source: J.D.Power 2011 National Auto Insurance Study

The Hartford scored the same as State Farm on policy offerings. This translates to mean State Farm offers about the same coverages than The Hartford. The more coverages you can choose from means you can get an insurance program that is more tailored to your specific needs.

The Hartford and State Farm Price Comparison

The Hartford was rated about the same as State Farm on insurance prices. That doesn't mean that The Hartford will always have identical prices on car insurance than State Farm, however. Finding the best car insurance rate depends entirely upon comparing both The Hartford and State Farm car insurance rates.

The Hartford vs State Farm - Which Car Insurance is Cheaper?

Since different companies rate drivers in different ways, you need to get a car insurance comparison quote now to find out which company offers the lowest rates in your area. It may be The Hartford or State Farm, or possibly even a different company.

Customers rated The Hartford fairly even with State Farm for billing and payment options. Having more ways to pay your bill is important to many consumers.

Being able to get in touch with your company at claim time is extremely important. Polled policyholders ranked The Hartford lower than State Farm when it comes to being able to contact the company.

Summing it Up

Do more stars actually guarantee a better insurance experience? Consumer ratings are a good place to start when buying car insurance, but just because The Hartford earned a worse consumer rating as State Farm, that doesn't mean you will have the identical experience.

Keys to Finding the Best Car Insurance

  • Higher physical damage deductibles mean less premium paid
  • Make sure you compare apples-to-apples coverages
  • If you have an independent insurance agent, have them compare rates with multiple companies
  • To reduce your annual premium, consider dropping full coverage on vehicles that no longer need it