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Compare Nationwide vs. The Hartford: Quotes, Discounts (2022)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Lindsay Frankel
Written by
Lindsay Frankel
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Written by
Lindsay Frankel
Insurance Writer
Lindsay Frankel is a content writer specializing in personal finance and auto insurance topics. Her work has been featured in publications such as LendingTree, The Balance, Coverage.com, Bankrate, NextAdvisor, and FinanceBuzz.
Thomas Fitzgerald
Edited by
Thomas Fitzgerald
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Edited by
Thomas Fitzgerald
Insurance Writer
Thomas Fitzgerald is an insurance writer at Insurify with a focus on auto insurance. He seeks to make the insurance buying process simple and effective through clear, educational content. Thomas received his bachelor's degree from Wake Forest University and his master's from the University of Chicago. Connect with Thomas on LinkedIn.

Updated August 5, 2022

Nationwide vs. The Hartford: A Summary

If you’re 50 or older and looking for car insurance coverage to keep you safe and legal when you drive, two of the auto insurance companies you may consider are Nationwide and The Hartford. We’ll go over what each company has to offer for you and your insurance needs, but first, you should compare quotes from the numerous auto providers available to you.

Insurance CompanyAvg. Monthly Car Insurance QuoteInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Nationwide$10189
The Hartford$9293
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

ICS Score Explanation:

The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Nationwide

Nationwide Mutual Insurance Company was founded in 1925 and is a Fortune 100 company offering a variety of insurance products. You can buy auto, life, pet, and homeowners insurance from Nationwide, along with additional investment and retirement products. The company gets high marks for financial stability from multiple independent rating agencies.

However, Nationwide has some issues with customer satisfaction. The company was the bottom-ranked large insurer in the J.D. Power 2021 U.S. Insurance Shopping Study and also ranked below average for insurance claims satisfaction. On the other hand, Nationwide had fewer complaints with the NAIC in 2021 than expected, given the company’s size.

In addition to standard coverage options, you can get gap insurance, rental car reimbursement, roadside assistance, and more from Nationwide. You can also add accident forgiveness and vanishing deductible to your policy. The company also offers a pay-per-mile plan and a usage-based safe driving program that can save you up to 40 percent.

Pros

  • Offers pay-per-mile insurance

  • Telematics discount program is available

  • Well-rated mobile app

Cons

  • Poor customer satisfaction rankings

  • Rideshare coverage is unavailable

  • Rates exceed the industry average

The Hartford

The Hartford Insurance is a Fortune 500 company that was founded in 1810 and is headquartered in Hartford, Connecticut. The company offers several types of insurance, including auto, business, and home insurance. Since 1984, the company has offered car insurance exclusively to AARP members aged 50 and older. While the company reports that AARP members get exclusive discounts, rates exceed the industry average.

The Hartford has excellent financial strength ratings from independent rating agencies and is also recognized for customer satisfaction. Not only does The Hartford rank above average in the J.D. Power 2021 U.S. Insurance Shopping Study, but it’s also the top-ranked insurer for claims satisfaction. And the company had zero complaints with the NAIC in 2021.

Policies from The Hartford include more coverage than most. You get roadside assistance, no-deductible windshield repair, and new car replacement coverage, along with RecoverCare, which helps pay for essential services if you are injured in an accident. The company also offers a variety of discounts, including a safe driving telematics program.

Pros

  • Offers bundling discount

  • Policies include RecoverCare

  • Usage-based savings program

Cons

  • Only available to AARP members

  • Rideshare coverage is unavailable

  • Insurance rates exceed the industry average

Rating FactorNationwideThe Hartford
FitchN/AN/A
A.M. BestA+A+
Moody’sA1A1
S&PA+A+
J.D. Power846868
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

The Best Car Insurance Companies in 2022

RankCompany NameAverage Monthly QuoteInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1Clearcover
Best Overall
$13597
2Nationwide
Best for Safe Drivers
$19989
3American Family
Best for Families with Teen Drivers
$23489
4Safeco
Best for Drivers with Poor Credit
$18686
5Farmers
Best for Rideshare Coverage
$23985
6Foremost
Best for Hassle-Free Claims
$15982
7Liberty Mutual
Best for Accident Forgiveness
$24182
8

Mercury

Best for Face-to-Face Service

$23281
9Progressive
Best for Senior Drivers
$14780
10Travelers
Best for Young Drivers
$16380
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Nationwide and The Hartford are two of the best insurance companies we reviewed. Both are highly reputable, financially stable companies with great coverage options. Drivers aged 50 and older can’t go wrong with either choice. To get the best price, compare your car insurance quotes with Nationwide, The Hartford, and more through Insurify before making a decision.

Compare Nationwide vs. The Hartford: Which Is Cheaper?

The Hartford offers cheaper rates than Nationwide on average. However, the two are fairly close in price, and for certain types of drivers, Nationwide offers cheaper coverage. For example, Nationwide is the more affordable option for drivers in their 70s and 80s and drivers with poor credit.

The Cheapest Car Insurance Companies in 2022

RankInsurance CompanyAverage Cost Per MonthICSThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1USH&C$44Not Rated
2Metromile$63Not Rated
3Direct Auto$64Not Rated
4Travelers$6580
5Kemper$71Not Rated
6Progressive$87Not Rated
7Mile Auto$9185
8National General$9358
9Clearcover$9497
10GAINSCO$94Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Nationwide and The Hartford are not the cheapest insurance companies out there. Policyholders pay average rates that exceed the industry average at both companies. Most drivers can find cheaper rates at providers like GEICO or State Farm, but keep in mind that car insurance rates vary on a driver-by-driver basis in accordance with driving history and location.

Compare Nationwide vs. The Hartford Car Insurance by Age

Younger drivers have less experience on the road, and research shows that teen drivers are more likely to be involved in a crash than any other age group. Insurance providers charge higher rates to younger drivers to account for that risk. Drivers in their 50s and 60s tend to pay the lowest rates for car insurance coverage.

Every insurer weighs age a little differently, so some companies offer cheaper rates to young drivers than others. Many companies offer discounts to offset age-related price hikes through eligible discounts and safe driver programs. Find what you can expect from Nationwide and The Hartford based on your age in the chart below.

Age GroupNationwideThe Hartford
Teen$278N/A
20s$98N/A
30s$108N/A
40s$84N/A
50s$75$52
60s$78$64
70s$90$93
80s$100$122
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

The Hartford offers cheaper premiums to drivers in their 50s and 60s than Nationwide. For example, drivers in their 50s pay $23 less at The Hartford on average. But The Hartford hikes up rates for older drivers, so policyholders in their 70s and 80s pay less on average at Nationwide. Nationwide costs $22 less than The Hartford for drivers in their 80s.

Compare Nationwide vs. The Hartford Car Insurance by Gender

Car insurance companies tend to offer slightly lower rates to women. The difference is more apparent at younger ages because studies show that male teen drivers are more likely to be in a fatal accident as female teens. That said, variations between genders persist at older ages as well. Here’s what you can expect from Nationwide and The Hartford.

Which is cheapest for men?

The Hartford is cheaper than Nationwide for men. However, both companies charge more than the industry average. For example, The Hartford charges $16 more than the national average rate for men, while Nationwide charges $24 more than the national average. Men can find cheaper average rates at companies like Allstate and GEICO.

GenderNationwideThe HartfordNational Average
Men$105$97$81
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for women?

The Hartford is $11 cheaper than Nationwide for women, but both companies charge women more than the national average. Nationwide exceeds the industry average by $20. Women can find cheaper average rates at companies like State Farm and Erie.

GenderNationwideThe HartfordNational Average
Women$98$87$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Nationwide vs. The Hartford Car Insurance by Mileage

When you apply for an auto insurance policy, you provide your estimated annual mileage. Some companies reduce premiums for low-mileage drivers, but the savings are typically minimal. If you’re a low-mileage driver, consider enrolling in Nationwide’s SmartMiles program—you’ll realize greater savings with a program that tracks your actual mileage.

Which is cheapest for drivers with high mileage?

The Hartford is cheaper than Nationwide for high-mileage drivers but still exceeds the industry average by $9. Nationwide chargers drivers $20 more than the industry average.

Annual MileageNationwideThe HartfordNational Average
15,000-20,000$98$87$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for drivers with low mileage?

The Hartford also is the cheaper option for drivers with a low estimated annual mileage. The lowest-mileage drivers save $15 on average when choosing The Hartford over Nationwide. However, The Hartford still charges $9 more than the industry average.

Annual MileageNationwideThe HartfordNational Average
5,000$102$87$78
10,000$98$87$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Nationwide vs. The Hartford Car Insurance by Credit Score

In most states, auto insurance companies refer to your credit-based insurance score when determining your car insurance rates. That score is based on information in your credit report, like your payment history. Unlike how lenders use credit scores to assess the likelihood of default, insurance companies use them to assess the likelihood you’ll file a claim.

That’s because several studies have found a correlation between bad credit and more claims-filing. Unless you live in certain states like California, you’ll pay significantly more for car insurance if you have bad credit. Ultimately, every company weighs credit information a little differently. Here are the average rates based on credit tier from Nationwide and The Hartford.

Which is cheapest for good credit?

The Hartford is cheaper than Nationwide for drivers with good and excellent credit. For example, drivers with excellent credit pay $10 less on average for car insurance from The Hartford than for Nationwide. However, neither company is less expensive than the national average.

Credit TierNationwideThe HartfordNational Average
Excellent$81$71$60
Good$92$80$71
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for bad credit?

Drivers with average credit pay less at The Hartford than at Nationwide. However, The Hartford drives up rates for drivers with poor credit, making Nationwide the cheaper option by $17. Still, neither company offers rates less expensive than the national average.

Credit TierNationwideThe HartfordNational Average
Poor$125$142$120
Average$102$87$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Nationwide vs. The Hartford Car Insurance by Driving Record

Car insurance companies will review your driving history to estimate the likelihood you’ll file a claim in the future. If you have past infractions like speeding tickets, at-fault accidents, or DUIs on your record, insurance providers will assume a lack of precaution on the road. The more tickets you’ve received, the more you’ll pay for car insurance.

That said, every company weighs the information in your driver profile differently, and some are more generous with rates after a violation than others. Here’s what you can expect from Nationwide and The Hartford based on your driving history.

Which is cheapest for good drivers?

Policyholders without any violations pay cheaper average rates at The Hartford than at Nationwide. On average, The Hartford is $15 cheaper than Nationwide for good drivers. However, both companies charge rates slightly higher than the national average.

Driver TypeNationwideThe HartfordNational Average
Clean Record$102$87$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest after a speeding ticket?

The Hartford is $13 cheaper than Nationwide for drivers who have been caught speeding, but The Hartford still charges $15 more than the national average. For drivers with a speeding ticket, the average rate for Nationwide coverage is $28 more than the national average.

Driver TypeNationwideThe HartfordNational Average
Speeding Ticket$132$119$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest after an accident?

The Hartford is about $9 cheaper than Nationwide on average for drivers with at-fault accidents, but both companies charge significantly more than the national average rate. The Hartford exceeds the industry average by $32, and Nationwide exceeds the national average by $41 per month.

Driver TypeNationwideThe HartfordNational Average
At-Fault Accident$154$145$113

Which is cheapest after a DUI?

The Hartford offers fairly generous rates to DUI drivers, considering rates from other insurance providers. With an average rate of $135, The Hartford is less expensive than the national average by $20 and is $47 cheaper than Nationwide. However, DUI drivers may be able to find cheaper rates at providers like State Farm or Progressive.

Driver TypeNationwideThe HartfordNational Average
DUI$182$135$155
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Nationwide vs. The Hartford Car Insurance: What discounts does each offer?

Nationwide Discounts

  • Multi-policy

  • SmartRide

  • SmartMiles

  • Defensive driving

  • Safe driver

  • Accident-free

  • Autopay

  • Paperless

  • Good student

  • Anti-theft

The Hartford Discounts

  • Multi-policy

  • TrueLane

  • Full pay

  • Quote online

  • Safety features

  • Vehicle fuel type

  • Driver training

  • Defensive driving

DiscountNationwideThe Hartford
Multi-policy
Telematics program
Defensive driving
Driver training
Safety features
Vehicle fuel type
Full pay
Autopay
Paperless
Quote online
Accident-free
Safe driver
Good student

Our Methodology and How We Compared Nationwide and The Hartford

The car insurance quotes provided in Insurify’s insurance company comparison guides are based on the analysis of over 50 thousand insurance quotes from 500 ZIP codes nationwide. Insurify’s data science team performs a comprehensive analysis of factors car insurance providers weigh to calculate rates, including driver demographics, driving record, credit score, desired coverage level, and more to give representative samples.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating calculated by weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers a window into how insurance providers compare to one another in terms of both cost and quality.

Frequently Asked Questions

  • The Hartford is cheaper than Nationwide on average. However, Nationwide offers lower rates for coverage than The Hartford for certain categories of drivers, such as motorists in their 70s and 80s and people with poor credit. Keep in mind that car insurance rates will vary based on driving history, credit history, location, and more.

  • Based on our analysis of a variety of data, The Hartford is a better insurance company than Nationwide, mostly because Nationwide has some customer satisfaction issues. Both companies are reputable and offer great coverage options. Nationwide is available to everyone, while The Hartford is exclusively for AARP members over the age of 50.

  • This insurance review covers the differences in coverage options, third-party ratings, and pricing between Nationwide and The Hartford, but before you choose an insurance company, you should compare rates from all of your insurance provider options. It’s the easiest way to ensure you’re getting the best rates for car insurance, and it only takes a few minutes to get quotes.

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Lindsay Frankel
Written by
Lindsay Frankel

Insurance Writer

Lindsay Frankel is a content writer specializing in personal finance and auto insurance topics. Her work has been featured in publications such as LendingTree, The Balance, Coverage.com, Bankrate, NextAdvisor, and FinanceBuzz.

Learn More
Thomas Fitzgerald
Edited by
Thomas Fitzgerald
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Insurance Writer

Photo of an Insurify author
Edited by
Thomas Fitzgerald
Insurance Writer
Thomas Fitzgerald is an insurance writer at Insurify with a focus on auto insurance. He seeks to make the insurance buying process simple and effective through clear, educational content. Thomas received his bachelor's degree from Wake Forest University and his master's from the University of Chicago. Connect with Thomas on LinkedIn.