Geico vs. The Hartford Car Insurance Comparison [2024]
This Geico vs. The Hartford car insurance review will cover Geico vs. The Hartford car insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance car insurance rates from the best car insurance companies in your locale, enter your ZIP code below.
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Scott W. Johnson
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Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Nov 24, 2024
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Geico vs. The Hartford Car Insurance Summary
| Summary | Geico Stats | The Hartford Stats |
|---|---|---|
| Year Founded | 1936 | 1810 |
| Headquarters | 5260 Western Avenue Chevy Chase, MD 20815 | One Hartford Plaza Hartford, CT 06155 |
| Availability | All States | All States |
| Direct Premium Written | $6.3 billion | $652.8 million |
| Market Share | 13.00% | 0.04% |
Geico and The Hartford are two companies with affordable auto insurance premiums, but our Geico vs. The Hartford car insurance guide will distinguish between the two companies.
Geico insurance is known for its overall cheap rates, while The Hartford insurance is known for its service to seniors. Both companies offer affordable services, but we’ll start to break down car insurance rates, discounts on auto policies, coverage, and ratings.
If you want to find car insurance outside of Geico and The Hartford, enter your ZIP code in our FREE online quote tool above to start shopping for cheap car insurance in your area.
Geico vs. The Hartford: Comparing Car Insurance Rates
The Hartford offers car insurance products across the United States like Geico, but the insurance provider is very reserved for car insurance quotes. While Geico quotes are available for reviews across the internet, The Hartford has relied on statistical rates from insurance data. Is its car insurance cheaper than Geico?
Continue reading the sections below to see more of Geico and Hartford car insurance reviews.
Read More:
- Compare Best Car Insurance Companies That Beat Quotes
- Geico vs. The General Car Insurance Comparison
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Geico vs. The Hartford: Which is the cheapest by the state?
The Hartford has the minimum coverage liability insurance limits listed on their website, but they don’t list sample rates for potential customers. Hartford insists that you use its quote calculator tool to find car insurance rates in each respective state. Geico and The Hartford are available in all 50 states.
Geico auto insurance coverage, on the other hand, has sample rates listed all over the web. To see Geico’s average annual rates, visit our Geico Car Insurance Review for more details.
Geico vs. The Hartford: Which is cheapest by driving record?
Maintaining a clean driving record could save you hundreds of dollars on car insurance no matter what auto insurance provider you choose. However, sometimes we make mistakes behind the wheel. Mistakes often lead to violations or can cause an auto accident, which increases your auto insurance policy rates.
The sub-sections below will explore how speeding tickets, car accidents, and DUIs affect your car insurance with these insurance carriers.
Rates With One Speeding Ticket
Let’s compare car insurance rates that are affected by one speeding ticket.
Geico vs. The Hartford Average Annual Car Insurance Rates with One Speeding Ticket
| Driving Violation | Geico Average Annual Car Insurance Rate with One Speeding Ticket | The Hartford Average Annual Car Insurance Rate with One Speeding Ticket |
|---|---|---|
| Speeding ticket | $1,395 | N/A |
Geico’s average annual rate is $1,198 per year. After one speeding ticket, it increases to about $1,400. The Hartford doesn’t have any available rates.
Rates With One Car Accident
Did you know you have an insurance credit history? An insurance credit history is recorded by the Comprehensive Loss Underwriting Exchange (C.L.U.E.) Inc. Unpaid premiums, frauds, and accidents are recorded and collected in their database.
Accidents remain on the C.L.U.E. database for five to eight years.
Here’s a look into how accidents affect auto insurance.
Geico vs. The Hartford Average Annual Car Insurance Rates with One Accident
| Driving Violation | Geico Average Annual Car Insurance Rate with One Accident | The Hartford Average Annual Car Insurance Rate with One Accident |
|---|---|---|
| Accident | $1,719 | N/A |
The Hartford doesn’t have rates listed, but Geico does. Your Geico insurance can increase about $500 with a car accident on your driving record.
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Rates With One DUI
DUIs create the most problems for your car insurance. Not only does a DUI stay on your record for 10 years, but it can also increase your auto insurance by thousands of dollars.
Let’s look at how DUIs affect your insurance.
Geico vs. The Hartford Average Annual Car Insurance Rates with One DUI/DWI
| Driving Violation | Geico Average Annual Car Insurance Rate with One DUI/DWI | The Hartford Average Annual Car Insurance Rate with One DUI/DWI |
|---|---|---|
| DUI/DWI | $2,550 | N/A |
Geico’s car insurance increases by $1,300 if you have a DUI on your driving record. The Hartford continues to stay quiet about sample quotes.
Geico vs. The Hartford: What is cheapest by age and gender?
In some states, it’s illegal to use gender to determine car insurance. Here are the following states that outlawed gender-based auto insurance.
- California
- Hawaii
- Massachusetts
- Michigan (added in 2020)
- Montana
- North Carolina
- Pennsylvania
A total of 43 other states are legally allowed to use your gender to determine car insurance. Here are some standard rates from Geico and The Hartford.
Geico vs. The Hartford Average Annual Car Insurance Rates Based on Age and Gender
| Age, Gender, and Marital Status | Geico Average Annual Car Insurance Rates | The Hartford Average Annual Car Insurance Rates |
|---|---|---|
| Married 35-year-old female | $2,303 | N/A |
| Married 35-year-old male | $2,312 | N/A |
| Married 60-year-old female | $2,241 | N/A |
| Married 60-year-old male | $2,283 | N/A |
| Single 17-year-old female | $5,654 | N/A |
| Single 17-year-old male | $6,279 | N/A |
| Single 25-year-old female | $2,379 | N/A |
| Single 25-year-old male | $2,263 | N/A |
Married drivers and senior drivers pay the least for auto insurance rates. Even though The Hartford doesn’t show its rates, car insurance rates will likely be cheaper due to the majority of its senior policyholders.
The Hartford only offers insurance to AARP members.
Teen drivers have the most expensive rates.
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Geico vs. The Hartford: Which is the cheapest by credit score?
According to the Federal Trade Commission, you can receive cheaper rates because of a good credit score. Insurance companies believe there’s a correlation between a credit score and chances to file a claim. Therefore, those with good or excellent credit are less likely to file a claim.
Look at these average annual rates and see how they’re affected by credit score.
Geico vs. The Hartford Average Annual Car Insurance Rates Based on Credit History
| Companies | Average Annual Car Insurance Rates with Good Credit | Average Annual Car Insurance Rates with Fair Credit | Average Annual Car Insurance Rates with Poor Credit |
|---|---|---|---|
| Geico | $2,435 | $2,987 | $4,260 |
| The Hartford | N/A | N/A | N/A |
The Hartford may not have any sample rates, but you can bet you can get a good deal on its car insurance policy if your credit score is good. Geico, however, has about a $1,800 difference from good credit to poor credit.
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Geico vs. The Hartford: Which is the cheapest by annual mileage?
Annual mileage is the number of miles you’re expected to travel during your policy. Auto insurance companies can determine your number of miles by looking at the purpose of the vehicle.
Cars you use for work commute will produce more on car insurance, while vehicles for weekend commutes have cheaper rates. Here’s a look into auto insurance based on commute mileage.
Geico vs. The Hartford Average Annual Car Insurance Rates Based on Annual Mileage
| Companies | Average Annual Car Insurance Rates for 10 Miles Commute 6,000 Annual Mileage | Average Annual Car Insurance Rates for 25 Miles Commute 12,000 Annual Mileage |
|---|---|---|
| Geico | $3,163 | $3,267 |
| The Hartford | N/A | N/A |
Geico’s rates don’t increase that much from 6,000 to 12,000 annual mileage. Some companies don’t increase your rates based on annual mileage. Maybe The Hartford doesn’t raise rates based on commute mileage.
Geico vs. The Hartford: Which is cheapest by car make and model?
The make and model of your vehicle can determine your car insurance rates. Review the car insurance rates from Geico and The Hartford to see how much insurance goes up based on vehicle make and model.
Geico vs. The Hartford Average Annual Car Insurance Rates Based on Car Make and Model
| Car Make and Model | Geico Average Annual Car Insurance Rates Based on Make and Model | The Hartford Average Annual Car Insurance Rates Based on Make and Model |
|---|---|---|
| Ford F150 Lariat | $3,091 | N/A |
| Toyota RAV4 XLE | $3,092 | N/A |
Insurance increased by $1,800 when Geico insures the newest Ford F150 and Toyota RAV4.
Geico vs. The Hartford: Which is cheapest by coverage level?
Your coverage limits determine the coverage level. The state minimum coverage limit is the lowest level you can receive, while medium and high coverage levels give higher coverage limits, such as 50/100/50 and 100/300/100.
Geico vs. The Hartford Average Annual Car Insurance Rates Based on Coverage Level
| Company | Average Annual Rates with Low Coverage | Average Annual Rates with Medium Coverage | Average Annual Rates with High Coverage |
|---|---|---|---|
| Geico | $3,002 | $3,214 | $3,429 |
| The Hartford | N/A | N/A | N/A |
Geico quotes increase by $200 for each coverage level.
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Geico vs. The Hartford: Ratings and Customer Satisfaction
A review of The Hartford auto insurance company can be difficult without sample rates. Even The Hartford business insurance reviews across the web won’t have any commercial rates.
However, you can find Hartford’s financial ratings and customer reviews everywhere. Continue reading to learn what financial strength agencies and customers are saying about Geico and Hartford.
Geico vs. The Hartford: What are their financial ratings?
Is The Hartford a good auto insurance company? Does Geico have good auto insurance? The answer to both of these is found in the ratings below.
Geico vs. The Hartford Car Insurance Financial Strength Ratings
| Financial Strength Ratings Agencies | Geico's Financial Strength Ratings | The Hartford's Financial Strength Rating |
|---|---|---|
| A.M. Best | A++ | A++ |
| Moody's | Aa1- | A2 |
| S&P's | AA+ | A+ |
Both Geico and The Hartford have strong financial outlooks, and they appear to be doing well with meeting obligations to customers. Follow us to the sub-sections to see what these ratings exactly mean.
Geico vs. The Hartford: A. M. Best Ratings
Both Geico and The Hartford have a superior ability to meet obligations to customers.
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Geico vs. The Hartford: Moody’s Ratings
According to Moody’s, Geico has the highest quality and carries the lowest level of credit risk. In contrast, The Hartford has an upper-medium quality with a low level of credit risk.
Geico vs. The Hartford: S&P Ratings
Under S&P, Geico has a very strong capacity to meet financial commitments. However, Hartford has a strong ability to meet financial obligations but has a susceptible economic condition.
Geico vs. The Hartford: How do customers rate them?
Customer ratings are another significant factor. Above-average customer satisfaction ratings and positive customer reviews are probably the most effective way an insurance company acquires more policyholders.
The reviews listed below show a collective grade from customers. These grades were collected from different agencies through surveys and produced an overall rating for Geico and The Hartford. Let’s look at the customer ratings.
Geico vs. The Hartford Customer Satisfaction Ratings
| Customer Satisfaction Ratings Agencies | Geico's Customer Satisfaction Ratings | The Hartford's Customer Satisfaction Ratings |
|---|---|---|
| J.D Power Circle Ratings | 3 out of 5 | 4 out of 5 |
| NAIC Claim Index | 1.47 | 0.71 |
| Consumer Reports Reader Score | 89 | 90 |
| Better Business Bureau (BBB) | A+ | A+ |
It’s not certain whether The Hartford has cheaper rates than Geico, but its customer and complaint ratings are better than Geico’s.
Geico vs. The Hartford: J.D. Power Auto Claims
J. D. Power collects information from customers and rates using its Power Circle Ratings. The Hartford is above average, while Geico was rated at about average.
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Geico vs. The Hartford: NAIC Complaint Index
The National Association of Insurance Commissioners (NAIC) supplies potential customers with a complaint index, which is the rate at which policyholders of insurance companies complain. Hartford’s complaint index is half of the Geico complaint index.
Geico vs. The Hartford: Consumer Reports
Consumer Reports is another agency that collects customer information through studies and surveys. The data is compiled into one final score. The Hartford beat Geico by one point.
Geico vs. The Hartford: Better Business Bureau
As for the BBB, both companies have maintained an “A+” rating from customers.
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Geico vs. The Hartford: What is their market share?
Despite having better customer ratings than Geico, The Hartford’s market share isn’t close to 1 percent, but Geico’s market share is 13 percent.
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Geico vs. The Hartford: Car Insurance Coverage and Options
Before you make a final decision on what car insurance is best for you, think about the coverages you need. New and financed cars will need full coverage. Look at your options. We’ve explored them in the sections below.
Geico vs. The Hartford: What are their coverage options?
Here are the available coverage options from Geico and The Hartford.
Geico vs. The Hartford Car Insurance Coverage Options
| Geico Car Insurance Coverages | The Hartford Car Insurance Coverages |
|---|---|
| Bodily Injury Liability | Medical Payments Coverage |
| Property Damage Liability | Personal Injury Protection |
| Medical Payments Coverage (MedPay) | Collision Coverage |
| Personal Injury Protection (PIP) | Comprehensive Coverage |
| Uninsured/Underinsured Motorist Coverage (UM/UIM) | Full Glass Coverage |
| Collision Coverage | Car Towing Coverage |
| Comprehensive Coverage | Rental Car Expense |
| Emergency Road Service | Bodily Injury Liability |
| Rental Reimbursement | Property Damage Liability |
| Mechanical Breakdown Insurance | Uninsured/Underinsured Motorist Coverage (UM/UIM) |
| Personal Umbrella Insurance | |
| Gap Insurance |
You can receive the necessary coverage and other coverages to ensure you have everything you need.
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Usage-Based Insurance Programs
Geico has a usage-based insurance program called DriveEasy. This program monitors your driving habits to determine if you’re eligible for a discount for being a safe driver.
Hartford’s usage-based insurance program is called the TrueLane program. Like DriveEasy, TrueLane monitors the driving habits of Hartford’s policyholders.
The difference between the two programs is that DriveEasy uses a smartphone app, while TrueLane requires a telematics device to collect driver data.
Geico vs. The Hartford: What discount do they offer?
Can Geico really save you 15 percent or more on car insurance? Geico’s bread and butter are its discounts. But what about The Hartford? Let’s review the available discounts for both companies.
Geico vs. The Hartford Car Insurance Discounts
| Discounts | Geico Car Insurance Discounts | The Hartford Car Insurance Discounts |
|---|---|---|
| Adaptive Cruise Control | ||
| Adaptive Headlights | x | |
| Anti-lock Brakes | x | x |
| Anti-Theft | x | x |
| Daytime Running Lights | x | x |
| Electronic Stability Control | ||
| Utility Vehicle | x | x |
| Vehicle Recovery | x | x |
| VIN Etching | ||
| Lane Departure Warning | ||
| Newer Vehicle | x | x |
| Green Vehicle | x | |
| Forward Collision Warning | x | |
| Claim Free | x | x |
| Continuous Coverage | x | x |
| Defensive Driver | x | x |
| Distant Student | x | x |
| Driver's Ed | x | x |
| Driving Device/App | x | x |
| Early Signing | x | x |
| Emergency Deployment | x | |
| Engaged Couple | ||
| Family Legacy | x | |
| Family Plan | x | |
| Farm Vehicle | x | x |
| Fast 5 | ||
| Federal Employee | x | |
| Full Payment | x | x |
| Further Education | x | |
| Garaging/Storing | x | |
| Good Credit | ||
| Good Student | x | x |
| Homeowner | x | x |
| Life Insurance | ||
| Low Mileage | x | x |
| Loyalty | x | x |
| Married | x | |
| Membership/Group | x | x |
| Military | x | |
| Military Garaging | ||
| Multiple Drivers | x | |
| Multiple Policies | x | x |
| Multiple Vehicles | x | x |
| New Address | ||
| New Customer/New Plan | ||
| New Graduate | ||
| Newly Licensed | ||
| Newlyweds | ||
| Non-Smoker/Non-Drinker | ||
| Occasional Operator | ||
| Occupation | x | x |
| On Time Payments | x | |
| Online Shopper | ||
| Paperless Documents | x | |
| Paperless/Auto Billing | x | |
| Passive Restraint | x | x |
| Recent Retirees | x | |
| Renter | ||
| Roadside Assistance | ||
| Safe Driver | x | x |
| Seat Belt Use | x | |
| Senior Driver | x | |
| Stable Residence | x | |
| Students & Alumni | x | |
| Switching Provider | ||
| Volunteer | ||
| Young Driver |
The Hartford has 38 available discounts, but Geico has 32 discounts.
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Geico vs. The Hartford: What is the best car insurance company?
Does Geico or The Hartford have the best auto insurance? Here are a few highlights we found between Geico and The Hartford.
Geico vs. The Hartford Car Insurance Highlights
| Geico is Best For… | The Hartford is Best For… |
|---|---|
| Cheap car insurance | Discounts |
| Transparent with Discounts | Essential coverage options |
| Detail coverage options | Great customer ratings |
Ultimately, the answer to who is the best company is up to you. You’ve seen what Geico has to offer. The Hartford was more reserved, so you’ll have to get quotes directly from its website, which could take more time in your auto insurance search.
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Frequently Asked Questions
What is the difference between Geico and The Hartford car insurance?
Geico is known for its affordable rates, while The Hartford is recognized for its service to seniors. Both companies offer competitive prices, but they have distinct features and target different customer demographics.
How can I compare car insurance rates from Geico and The Hartford?
To compare car insurance rates from Geico and The Hartford, you can enter your ZIP code in our free online quote tool. It will provide you with quotes and allow you to see the differences in rates and coverage options.
Do Geico and The Hartford offer discounts on auto policies?
Yes, both Geico and The Hartford offer various discounts on their auto insurance policies. Geico has 32 available discounts, while The Hartford provides 38 discounts. You can inquire with each company to see which discounts you may qualify for.
How do Geico and The Hartford compare in terms of customer satisfaction?
Geico and The Hartford have different customer satisfaction ratings. While The Hartford generally receives better customer ratings and has a lower complaint index, Geico has a larger market share and offers competitive rates. It’s important to consider both factors when making a decision.
Can I find car insurance options other than Geico and The Hartford?
Yes, you have the option to explore car insurance providers beyond Geico and The Hartford. By using our free online quote tool and entering your ZIP code, you can compare quotes from multiple car insurance companies and find the best coverage and rates for your specific needs.