State Farm vs. The Hartford: Which Is the Best? (2025)
State Farm offers the cheapest rates overall, but The Hartford has slightly more coverage options and discounts.
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Written byJamie Johnson
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Table of contents
State Farm and The Hartford are two of the biggest names in the auto insurance industry. Both are well-established companies offering a variety of coverage options and discounts.
State Farm offers the cheapest rates overall, but The Hartford provides several unique coverage options, which could help make up for its higher rates.
Ultimately, the best insurance company for you depends on your circumstances. That’s why it’s important to compare rates, customer service reviews, discounts, and coverage options when choosing an auto insurance company.
Quick Facts
State Farm is the largest auto insurance company and offers highly rated customer service.
The Hartford offers car insurance coverage through the AARP Auto Insurance Program.
The type of vehicle you drive, as well as your driving history, location, and age, determine the insurance rates you receive.
State Farm vs. The Hartford: The verdict
State Farm is the best option for customers looking for cheaper rates on car insurance. The company offers the best average savings amounts overall and for various demographics. State Farm has high ratings for customer service, receiving an above-average J.D. Power rating.
The Hartford has a slightly lower Insurify Quality (IQ) Score, and its average rates are higher than State Farm’s. In particular, teen drivers will pay more than twice as much by choosing The Hartford over State Farm. But The Hartford offers better coverage options and a couple more discounts than State Farm.
This table provides you with a brief look at each insurer.
Factor  | State Farm | The Hartford |
|---|---|---|
| IQ Score | 9.3 | 8.3 |
| Customer satisfaction score | 3.5 | 3.8 |
| Average quote: liability only | $56 | $156 |
| Number of discounts | 7 | 9 |
| Number of states where it operates | 48 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
4.1
Best choiceBased on 12,804 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,584)
Alfonzo
Verified Review
Bad Insurance Experience
Reviewed in West Virginia on December 2025
Not good. I was told that my insurance was going to be $280.00 a month, but it was actually $494.00.
Tracy
Verified Review
Look what Wildbowilly found
Reviewed in Texas on December 2025
I would highly recommend State Farm. The staff at Steelhammer in Victoria, Texas is great. There is none better in the insurance company game. The rates I have received there are very spot on, and I'm really very satisfied. So State Farm, keep up the good work.
Steven
Verified Review
Great Insurance
Reviewed in Minnesota on December 2025
No issues at all.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
In business for more than 100 years, State Farm is the largest auto insurance company in the U.S. The company received an above-average rating for overall customer satisfaction from J.D. Power.
State Farm offers additional insurance products, including renters insurance, which you can bundle with your auto policy for additional savings. And the State Farm Life Insurance Company offers many policies that complement your auto insurance coverage.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
The Hartford
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $156/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $244/mo |
4.2
Best choiceBased on 1,613 verified guest reviews and ratings
How drivers feel about The Hartford
Drivers appreciate the prompt customer service and reliable coverage but are frustrated by the significant annual price increases and limited policy options.
AI-generated from the text of verified reviews collected by Insurify
Best For
Senior drivers
Bundling discounts
Customer service
How drivers feel about The Hartford
Drivers appreciate the prompt customer service and reliable coverage but are frustrated by the significant annual price increases and limited policy options.
AI-generated from the text of verified reviews collected by Insurify
Best For
Senior drivers
Bundling discounts
Customer service
Reviews (847)
Jeannie
Verified Review
They are a great company. They are there when you really need them. They won't insure my home and the new premium is over $1000 more than last year. Being a senior living on $2200 a month, I can't afford taxes and insurance. They are a great company.
Reviewed in Utah on December 2025
They are a great company. They are there when you really need them. They won't insure my home and the new premium is over $1000 more than last year. Being a senior living on $2200 a month, I can't afford taxes and insurance. They are a great company.
Ivelisse
Verified Review
I chose this insurance because I trusted AARP
Reviewed in Connecticut on December 2025
I started with a payment plan that charges $7 a month, and out of the blue, I received a $25 late fee for late payments on dates I never set. Don’t use this insurance if you are on a limited income.
Cynthia
Verified Review
Price Hikes
Reviewed in South Carolina on November 2025
The price went up $50 with no claims ever.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
642NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.52A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
The Hartford Insurance started in 1810 in West Hartford as The Hartford Fire Insurance Company, later expanding to offer insurance products to businesses and consumers. In 1984, The Hartford partnered with AARP to help nearly 40 million AARP members get auto coverage.[1] But The Hartford operates as a separate entity from AARP, allowing it to offer policies for a wide range of customers.
The Hartford offers numerous coverage options for customers, including a diminishing deductible, new-car replacement, and gap insurance.
Pros
Savings for AARP members
Above-average customer satisfaction
Available in all states and D.C.
Cons
Available only for AARP members
No accident forgiveness coverage
Higher-than-average number of complaints with the National Association of Insurance Commissioners
State Farm Drive Safe & Save vs. The Hartford TrueLane
State Farm and The Hartford both offer telematics programs to help safe drivers save money on their auto insurance premiums. With State Farm’s Drive Safe & Save program, you’ll automatically save 10% just for signing up. You could save up to 30% overall, depending on your driving behavior.
You’ll start by downloading the app onto your mobile device, and State Farm will track your mileage and driving characteristics. Your discount updates at every policy renewal using the data from the previous 12 months of driving. Your discount may be $0 if the app can’t collect enough data about your driving history.
The Hartford’s TrueLane program is also a telematics app that rewards safe driving behaviors. You could earn a discount of up to 12% within 60 days of signing up, and depending on your driving habits, you could earn a total discount of up to 40% at renewal. The app is available on the Google Play Store and the Apple App Store.
Telematics apps could be a good option thanks to the potential for safe driving rewards. But risky driving behaviors can result in higher premiums, so these programs are best for people who are confident about their driving skills. Otherwise, a telematics app could end up costing you more.
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State Farm vs. The Hartford: Which is the cheapest?
State Farm is the cheapest option overall, with an average monthly rate of $56 for liability coverage. The Hartford has an average monthly rate of $156 for drivers with an AARP membership.
But this is just the national average for each insurer. The rate you pay will vary depending on factors including your age, driving history, ZIP code, and more.
State Farm: Cheapest for drivers with a clean driving record
State Farm is the most affordable option for anyone with a clean driving history, charging an average monthly premium of $56 for liability coverage. In comparison, The Hartford costs $156 per month, making it a less affordable option.
Driver Type | State Farm | The Hartford |
|---|---|---|
| Clean driving record | $56 | $156 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for drivers with a speeding ticket
State Farm is the cheapest option for drivers with a speeding ticket on their record, charging an average monthly premium of $71. The Hartford costs an average of $233 per month for drivers with a speeding ticket.
Driver Type | State Farm | The Hartford |
|---|---|---|
| Drivers with a speeding ticket | $71 | $233 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for teen drivers
Teen drivers pay the highest rates for car insurance due to their lack of experience behind the wheel. On average, State Farm charges teen drivers $114 per month, while teens pay an average of $422 per month with The Hartford.
Driver Type | State Farm | The Hartford |
|---|---|---|
| 18-year-old | $114 | $422 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for senior drivers
Older drivers often pay lower rates for auto insurance since they typically spend less time driving and engage in fewer risky driving behaviors. But rates do tend to climb again once senior drivers reach age 70 and beyond.
State Farm’s rates are more favorable for senior drivers than The Hartford’s rates.
Driver Type | State Farm | The Hartford |
|---|---|---|
| Senior drivers | $40 | $90 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm: Cheapest for drivers with bad credit
State Farm wins here again, as drivers with bad credit pay significantly less with this insurer than with The Hartford.
Driver Type | State Farm | The Hartford |
|---|---|---|
| Drivers with bad credit | $90 | $207 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare coverages: State Farm vs. The Hartford
Price isn’t the only thing you’ll want to consider when it comes to choosing an auto insurance policy. You’ll also want to consider the different types of coverage the company offers.
State Farm and The Hartford both offer the standard coverages you’d expect to see, like liability car insurance and full-coverage insurance. Both companies offer personal injury protection (PIP), which will help cover your medical bills after an accident.
State Farm offers coverage for rideshare drivers, which is something The Hartford doesn’t offer. But The Hartford is the best option for drivers after a car accident since the company provides gap insurance, new vehicle replacement coverage, and a diminishing deductible.
But this table is just an overview, so you should contact each company for a complete list of the coverages offered.
Coverage | State Farm | The Hartford |
|---|---|---|
| Rideshare insurance | Yes | No |
| Gap insurance | No | Yes |
| Diminishing deductible | No | Yes |
| New vehicle replacement | No | Yes |
| Personal umbrella insurance | Yes | Yes |
| Classic car insurance | Yes | Yes |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Compare discounts: State Farm vs. The Hartford
State Farm advertises seven discounts, while The Hartford advertises nine discounts for customers. The companies offer many similar discounts, like a discount for bundling your life insurance, homeowners insurance, and auto policies.
The Hartford also offers several discounts State Farm doesn’t offer, like anti-theft, new car, loyalty, and alternative fuel discounts. But State Farm offers more discounts for teens, which could be why its rates for new drivers are so much cheaper.
Discount | State Farm | The Hartford |
|---|---|---|
| Clean driving record | Yes | No |
| Defensive driving course | Yes | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | No | Yes |
| New car | No | Yes |
| Military members | No | No |
| Good student | Yes | Yes |
| Loyalty | No | Yes |
| Auto-pay | No | No |
| Student away at school | Yes | No |
| Homeowner | No | No |
| Alternative fuel | No | Yes |
State Farm vs. The Hartford FAQs
State Farm and The Hartford are two of the best car insurance companies you can pick from. Here’s some additional information to consider if you’re still debating between the two.
Is Hartford auto insurance cheaper than State Farm?
No. State Farm is one of the cheapest options nationally for many demographics. But these are average rates, so it’s still a good idea to receive and compare rate estimates from several companies to find the best car insurance for you.
Which company is State Farm’s biggest competitor?
GEICO is probably State Farm’s biggest competitor since they’re the two largest insurance companies by market share. Both companies offer reputable coverage and a wide variety of discounts to pick from.
Is The Hartford a good insurance company?
Yes. The Hartford is a good insurance company. The company has an A+ rating with the Better Business Bureau and an AM Best rating of A+ (Superior), which looks at its financial security.[2]
Does State Farm have a good reputation for paying claims?
State Farm has a good reputation for paying its claims when compared to the average insurer. But AM Best downgraded the company’s financial strength rating from A (Excellent) to B (Fair).[3]
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Sources
- The Hartford. "AARP Member Age Requirement."
- Better Business Bureau. "The Hartford Insurance Company."
- AM Best. "AM Best Downgrades Credit Ratings of State Farm General Insurance Company."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.