Access vs The Hartford Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

Quotes

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Last Updated: January 2022

Ratings

Insurify Composite Score

Access
Not Rated
What is this?

Insurify Composite Score

The Hartford
93
What is this?

Insurify Composite Score

Access VS The Hartford
Not Rated
93
What is this?
User Ratings
OptionsAccess The Hartford
Rating/Reviews
6 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAccess The Hartford
Call Center Representative--About average
Insurer Website--Better than most
Overall Satisfaction--Better than most
Policy Offerings--Better than most
Pricing--Better than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAccess The Hartford
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Better than most
Overall Satisfaction--Better than most
Rental Experience--The rest
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionAccess The Hartford
California--835 pt
Better than most
Florida--806 pt
The rest
Mid-Atlantic--839 pt
About average
North Central--838 pt
Better than most
Northwest--832 pt
Better than most
Southwest--838 pt
Among the best
Mobile App Ratings
RegionAccess The Hartford
Android--
376 Reviews
iOS--
47 Reviews
Financial Ratings
OptionsAccess The Hartford
A.M. Best--A+
Moody's--A2
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityAccess The Hartford
Phoenix--$51
Santa Monica--$76

For Single Drivers

CityAccess The Hartford
Phoenix--$51
Santa Monica--$143

For Male Drivers

CityAccess The Hartford
Phoenix--$52
Santa Monica--$138

For Female Drivers

CityAccess The Hartford
Phoenix--$49
Santa Monica--$81

For Drivers with Speeding Ticket

CityAccess The Hartford
Phoenix--$67
Santa Monica--$213

For Drivers with No Speeding Ticket

CityAccess The Hartford
Phoenix--$47
Santa Monica--$87

For Drivers Age Between 18-40

CityAccess The Hartford
Phoenix--$52
Santa Monica--$165

For Drivers Age Between 40-65

CityAccess The Hartford
Phoenix--$49
Santa Monica--$68

For Drivers Age of 65+

CityAccess The Hartford
Phoenix--$53
Santa Monica--$56

For Drivers with Average Credit

CityAccess The Hartford
Phoenix--$49
Santa Monica--$97

For Drivers with Fair Credit

CityAccess The Hartford
Phoenix--$59
Santa Monica--$81

For Drivers with Good Credit

CityAccess The Hartford
Phoenix--$46
Santa Monica--$83

For Drivers with Excellent Credit

CityAccess The Hartford
Phoenix--$49
Santa Monica--$176

Quotes & Discounts

Discount typeAccess The Hartford
Anti-Theft DeviceVariesUp to 15%
Good CreditVaries--
Good StudentVariesUp to 15%
Mature driverVaries--
Multiple VehicleVaries--
Passive RestraintVariesUp to 3%
Defensive Driver--Up to 5%
Driving training--Varies
EV/Hybrid--Varies
Multiple Policy--Up to 20%
Paid in full--Varies
teenSMART--Up to 10%

Payment Methods

Discount typeAccess The Hartford
Automatic Online Payment
--yes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yes--
Mail Payment
--yes
Mobile App Payments
--yes
Money Transfer
yes--
Online Payment
yesyes
Phone Payment
yesyes

Features and Services

Features and ServicesAccess The Hartford
24/7 serviceyesyes
Accident forgiveness--yes
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAccess The Hartford
Accident Forgiveness
--yes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
--yes
Emergency Assistance Coverage
--yes
Glass Coverage --yes
New Car Replacement Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
--yes
Vanishing Deductible
--yes

Online Quoting by State

  • Access
  • The Hartford
  • Both

Compare Insurance Products

ProductAccess The Hartford
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes

User Reviews

  • Access Reviews
  • The Hartford Reviews
2.3
5 Stars
33 %
1 Star
67 %

Most Positive Review

By Richard
Best price for the coverage.

Most Critical Review

By Stella
Horrible service, had an awful experience

All Reviews

Showing 1 - 6 out of 6 Reviews
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Takeyta
The pay period. I only jad my insurance for 2wks and was neing charged 550 a mth still.
Juliette
Horrible customer service they dont ever call you back the phone lines always redirect to the main menu. Wait time is longer than Comcast and then they say they can only take a message thats the best they can do. DO NOT GET ACCESS INSURANCE!!! SCAM SCAM SCAM
Juliette
Horrible customer service they don’t ever call you back the phone lines always redirect to the main menu. Wait time is longer than Comcast and then they say they can only take a message that’s the best they can do. DO NOT GET ACCESS INSURANCE!!! SCAM SCAM SCAM
Richard
Best price for the coverage.
Stella
Horrible service, had an awful experience

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting 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 insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.