Cumberland Mutual 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

Cumberland Mutual
Not Rated
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Insurify Composite Score

The Hartford
93
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Insurify Composite Score

Cumberland Mutual VS The Hartford
Not Rated
93
What is this?
User Ratings
OptionsCumberland Mutual The Hartford
Rating/Reviews
0 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsCumberland Mutual 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)
OptionsCumberland Mutual 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)
RegionCumberland Mutual 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
RegionCumberland Mutual The Hartford
Android--
376 Reviews
iOS--
47 Reviews
Financial Ratings
OptionsCumberland Mutual The Hartford
A.M. Best--A+
Moody's--A2
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityCumberland Mutual The Hartford
Phoenix--$51
Santa Monica--$76

For Single Drivers

CityCumberland Mutual The Hartford
Phoenix--$51
Santa Monica--$143

For Male Drivers

CityCumberland Mutual The Hartford
Phoenix--$52
Santa Monica--$138

For Female Drivers

CityCumberland Mutual The Hartford
Phoenix--$49
Santa Monica--$81

For Drivers with Speeding Ticket

CityCumberland Mutual The Hartford
Phoenix--$67
Santa Monica--$213

For Drivers with No Speeding Ticket

CityCumberland Mutual The Hartford
Phoenix--$47
Santa Monica--$87

For Drivers Age Between 18-40

CityCumberland Mutual The Hartford
Phoenix--$52
Santa Monica--$165

For Drivers Age Between 40-65

CityCumberland Mutual The Hartford
Phoenix--$49
Santa Monica--$68

For Drivers Age of 65+

CityCumberland Mutual The Hartford
Phoenix--$53
Santa Monica--$56

For Drivers with Average Credit

CityCumberland Mutual The Hartford
Phoenix--$49
Santa Monica--$97

For Drivers with Fair Credit

CityCumberland Mutual The Hartford
Phoenix--$59
Santa Monica--$81

For Drivers with Good Credit

CityCumberland Mutual The Hartford
Phoenix--$46
Santa Monica--$83

For Drivers with Excellent Credit

CityCumberland Mutual The Hartford
Phoenix--$49
Santa Monica--$176

Quotes & Discounts

Discount typeCumberland Mutual The Hartford
Accident ForgivenessVaries--
Anti-Theft DeviceVariesUp to 15%
Anti-lock BrakeVaries--
Multiple PolicyVariesUp to 20%
Passive RestraintVariesUp to 3%
Defensive Driver--Up to 5%
Driving training--Varies
EV/Hybrid--Varies
Good Student--Up to 15%
Paid in full--Varies
teenSMART--Up to 10%

Payment Methods

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

Features and Services

Features and ServicesCumberland Mutual The Hartford
24/7 service--yes
Accident forgivenessyesyes
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesCumberland Mutual 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
yesyes
Vanishing Deductible
--yes

Insurance by State

Online Quoting by State

  • Cumberland Mutual
  • The Hartford
  • Both

SR‌-22 Insurance by State

  • Cumberland Mutual
  • The Hartford
  • Both

Compare Insurance Products

ProductCumberland Mutual The Hartford
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Commercial InsuranceCommercial Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Renters InsuranceRenters Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Cumberland Mutual Reviews
  • The Hartford Reviews
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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.