American Family vs The Hartford Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

The Hartford
93
What is this?

Insurify Composite Score

American Family VS The Hartford
89
93
What is this?
User Ratings
OptionsAmerican Family The Hartford
Rating/Reviews
138 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family The Hartford
Call Center Representative--About average
Insurer Website--Better than most
Local AgentBetter than most--
Overall SatisfactionBetter than mostBetter than most
Policy OfferingsBetter than mostBetter than most
PricingBetter than mostBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family The Hartford
Claim ServicingAbout averageBetter than most
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageBetter than most
Overall SatisfactionAbout averageBetter than most
Rental ExperienceAbout averageThe rest
Repair ProcessAbout averageAmong the best
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family The Hartford
California--835 pt
Better than most
Central823 pt
About average
--
Florida--806 pt
The rest
Mid-Atlantic--839 pt
About average
North Central820 pt
About average
838 pt
Better than most
Northwest826 pt
Better than most
832 pt
Better than most
Southwest819 pt
About average
838 pt
Among the best
Mobile App Ratings
RegionAmerican Family The Hartford
Android
1,081 Reviews
376 Reviews
iOS
6,200 Reviews
47 Reviews
Financial Ratings
OptionsAmerican Family The Hartford
A.M. BestAA+
FitchA+--
Moody'sAa3A2
Standard & Poor'sA+A+

Auto Insurance Quotes

For Married Drivers

CityAmerican Family The Hartford
Chicago$76--
Phoenix$82$51
Santa Monica--$76

For Single Drivers

CityAmerican Family The Hartford
Chicago$76--
Phoenix$82$51
Santa Monica--$143

For Male Drivers

CityAmerican Family The Hartford
Chicago$76--
Phoenix$82$52
Santa Monica--$138

For Female Drivers

CityAmerican Family The Hartford
Chicago$76--
Phoenix$82$49
Santa Monica--$81

For Drivers with Speeding Ticket

CityAmerican Family The Hartford
Chicago$102--
Phoenix$121$67
Santa Monica--$213

For Drivers with No Speeding Ticket

CityAmerican Family The Hartford
Chicago$70--
Phoenix$74$47
Santa Monica--$87

For Drivers Age Between 18-40

CityAmerican Family The Hartford
Chicago$76--
Phoenix$81$52
Santa Monica--$165

For Drivers Age Between 40-65

CityAmerican Family The Hartford
Chicago$72--
Phoenix$77$49
Santa Monica--$68

For Drivers Age of 65+

CityAmerican Family The Hartford
Chicago$89--
Phoenix$104$53
Santa Monica--$56

For Drivers with Average Credit

CityAmerican Family The Hartford
Chicago$80--
Phoenix$87$49
Santa Monica--$97

For Drivers with Fair Credit

CityAmerican Family The Hartford
Chicago$82--
Phoenix$89$59
Santa Monica--$81

For Drivers with Good Credit

CityAmerican Family The Hartford
Chicago$73--
Phoenix$80$46
Santa Monica--$83

For Drivers with Excellent Credit

CityAmerican Family The Hartford
Chicago$68--
Phoenix$72$49
Santa Monica--$176

Quotes & Discounts

Discount typeAmerican Family The Hartford
Passive RestraintUp to 30%Up to 3%
Good StudentUp to 25%Up to 15%
MilitaryUp to 25%--
Senior AdultUp to 25%--
Student Away at SchoolUp to 25%--
Multiple PolicyUp to 15%Up to 20%
Multiple VehicleUp to 13%--
OccupationUp to 10%--
Low MileageUp to 8%--
Anti-lock BrakeUp to 5%--
Driving HabitsUp to 5%--
Early QuoteUp to 5%--
Electronic Stability ControlUp to 5%--
Home OwnerUp to 5%--
LoyaltyUp to 5%--
New GraduateUp to 5%--
Paid in fullUp to 5%Varies
Preferred paymentUp to 5%--
Provider SwitchUp to 5%--
Sponsored MarketingUp to 5%--
TravelinkUp to 5%--
Accident FreeUp to 3%--
Daytime Running LightsUp to 3%--
Paperless documentsUp to 3%--
Accident ForgivenessVaries--
Anti-Theft DeviceVariesUp to 15%
Defensive DriverVariesUp to 5%
teenSMARTVariesUp to 10%
Driving training--Varies
EV/Hybrid--Varies

Payment Methods

Discount typeAmerican Family The Hartford
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Phone Payment
yesyes

Features and Services

Features and ServicesAmerican Family The Hartford
24/7 serviceyesyes
Accident forgiveness--yes
Enhanced towing & substitute coverageyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAmerican Family The Hartford
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yesyes
Comprehensive Claim Forgiveness
yesyes
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yes--
Gap Insurance
yes--
Glass Coverage --yes
Legal Defense Costs Coverage
yes--
New Car Replacement Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Umbrella Policy
yesyes
Vanishing Deductible
--yes
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • The Hartford
  • Both

Uber and Lyft driver insurance

  • American Family
  • The Hartford
  • Both

Compare Insurance Products

ProductAmerican Family The Hartford
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyesyes
Condo InsuranceCondo Insuranceyes--
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyesyes
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Renters InsuranceRenters Insuranceyes--
RV InsuranceRV Insuranceyes--
Snowmobile insuranceSnowmobile insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • American Family Reviews
  • The Hartford Reviews
3.4
5 Stars
37 %
4 Stars
12 %
3 Stars
23 %
2 Stars
9 %
1 Star
19 %

Most Positive Review

By Theresa
They have been honest, personable,and easy to communicate with. Their rates are reasonable and automatic payments are a nice way to pay. I only am planning to switch because the location I'm moving to isn't covered by American Family.

Most Critical Review

By dmack
They base adjuster salaries on steering. In the adjuster performance reviews they have a required goal on steering vehicles to CRP shops and if the vehicles aren't repaired at the AmFam shop the adjuster will received a poor performance rating which ties directly to salary and promotional opportunities. Some adjusters will hang up on customers who are reporting a loss if they don't select a CRP as they don't want their performance rating impacted.

All Reviews

Showing 1 - 10 out of 138 Reviews
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Read reviews that mention

Charles
aholes
Tun
Patrick
Melvin
they help me out when nobody else would
Suzanne
We have been satisfied with their service but they are expensive.
Felicia
When I filled a claim I had no follow up from the claim adjuster. I am still waiting for my deductible to be paid back.
Stephanie
They have horrible customer service and the lack of integrity that my insurance agent has is 0
Daile
The customer service
Julia
Very good insurance and have been really happy with my agent and was originally the least expensive. Ive had a couple issues with the call center but not enough for me to really care. Looking to switch only because other companies are having lower prices for me now.
Michael
Price
Showing 1 - 10 out of 138 reviews

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.