USAA vs The Hartford - Which Car Insurance is Best Where You Live?

USAA and The Hartford are both solid car insurance companies, but what do consumers have to say about each company? Unbiased third-party surveys such as those provided by J.D.Power can help consumers choose a company based on actual customer opinions.

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USAA vs The Hartford - the Ratings

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

USAA scored higher The Hartford on policy offerings. This translates to mean The Hartford offers fewer coverages than USAA. Having better policy offerings means you can get potentially better coverage such as special perils coverage on your home contents or a disappearing deductible on your car insurance.

USAA and The Hartford Price Comparison

On pricing, USAA scored higher than The Hartford. This doesn't necessarily mean that USAA will always have lower car insurance prices as The Hartford. Free car insurance quotes from USAA and The Hartford will help you determine which company offers the best deal.

USAA vs The Hartford - Which Car Insurance is Best Where You Live?

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 USAA or The Hartford, or possibly even a different company.

USAA scored higher than The Hartford on billing and payment satisfaction. Companies can score higher on this rating if they offer more flexible payment options such as quarterly payments or pay-in-full discounts.

Having multiple contact methods is important in case of a claim or when you need a coverage review. Polled policyholders ranked USAA higher than The Hartford when it comes to being able to contact the company.

How to Choose the Best Company

Does more stars actually translate into a better consumer insurance buying experience? The overall satisfaction rating of USAA shows more stars than The Hartford, but different consumers have different experiences with the same company.

Car Insurance Buying Tips

  • Not filing small claims can earn you a claim-free discount on your car insurance
  • Better drivers pay lower car insurance premiums
  • To reduce your annual premium, consider dropping full coverage on vehicles that no longer need it
  • If you have an independent insurance agent, have them compare rates with multiple companies
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