4.8out of 3,000+ reviews

Farmers vs The Hartford Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

The Hartford
93
What is this?

Insurify Composite Score

Farmers VS The Hartford
85
93
What is this?
User Ratings
OptionsFarmers The Hartford
Rating/Reviews
506 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFarmers The Hartford
Call Center Representative--About average
Insurer WebsiteAbout averageBetter than most
Local AgentAbout average--
Overall SatisfactionAbout averageBetter than most
Policy OfferingsAbout averageBetter than most
PricingAbout averageBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFarmers 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 ProcessThe restAmong the best
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionFarmers The Hartford
California795 pt
The rest
835 pt
Better than most
Central821 pt
About average
--
Florida820 pt
About average
806 pt
The rest
Mid-Atlantic814 pt
The rest
839 pt
About average
North Central808 pt
The rest
838 pt
Better than most
Northwest785 pt
The rest
832 pt
Better than most
Southwest797 pt
The rest
838 pt
Among the best
Texas822 pt
About average
--
Mobile App Ratings
RegionFarmers The Hartford
Android
2,565 Reviews
376 Reviews
iOS
538 Reviews
47 Reviews
Financial Ratings
OptionsFarmers The Hartford
A.M. BestAA+
FitchA+--
Moody'sA2A2
Standard & Poor'sAA+

Auto Insurance Quotes

For Married Drivers

CityFarmers The Hartford
Chicago$124--
Phoenix$126$51
Santa Monica$120$76

For Single Drivers

CityFarmers The Hartford
Chicago$117--
Phoenix$120$51
Santa Monica$263$143

For Male Drivers

CityFarmers The Hartford
Chicago$129--
Phoenix$129$52
Santa Monica$269$138

For Female Drivers

CityFarmers The Hartford
Chicago$112--
Phoenix$117$49
Santa Monica$114$81

For Drivers with Speeding Ticket

CityFarmers The Hartford
Chicago$163--
Phoenix$157$67
Santa Monica$302$213

For Drivers with No Speeding Ticket

CityFarmers The Hartford
Chicago$111--
Phoenix$116$47
Santa Monica$168$87

For Drivers Age Between 18-40

CityFarmers The Hartford
Chicago$120--
Phoenix$123$52
Santa Monica$303$165

For Drivers Age Between 40-65

CityFarmers The Hartford
Chicago$115--
Phoenix$118$49
Santa Monica$104$68

For Drivers Age of 65+

CityFarmers The Hartford
Chicago$142--
Phoenix$143$53
Santa Monica$101$56

For Drivers with Average Credit

CityFarmers The Hartford
Chicago$116--
Phoenix$123$49
Santa Monica$149$97

For Drivers with Fair Credit

CityFarmers The Hartford
Chicago$132--
Phoenix$134$59
Santa Monica$134$81

For Drivers with Good Credit

CityFarmers The Hartford
Chicago$126--
Phoenix$128$46
Santa Monica$140$83

For Drivers with Excellent Credit

CityFarmers The Hartford
Chicago$108--
Phoenix$108$49
Santa Monica$343$176

Quotes & Discounts

Discount typeFarmers The Hartford
Multiple PolicyUp to 10%Up to 20%
EV/HybridUp to 5%Varies
Affinity groupVaries--
Anti-Theft DeviceVariesUp to 15%
Anti-lock BrakeVaries--
Claims Free RenewalVaries--
Daytime Running LightsVaries--
Defensive DriverVariesUp to 5%
Driving HabitsVaries--
Driving trainingVariesVaries
E-billingVaries--
Early QuoteVaries--
Electronic Stability ControlVaries--
FamilyVaries--
Good DriverVaries--
Good PayerVaries--
Good StudentVariesUp to 15%
Home OwnerVaries--
LoyaltyVaries--
Mature driverVaries--
MilitaryVaries--
Multiple VehicleVaries--
On Your OwnVaries--
OrganizationVaries--
Paid in fullVariesVaries
Paperless documentsVaries--
Passive RestraintVariesUp to 3%
Preferred paymentVaries--
PrepayVaries--
Professional organizationVaries--
Provider SwitchVaries--
Senior AdultVaries--
Student Away at SchoolVaries--
VIN EtchingVaries--
Youth DrivingVaries--
teenSMARTVariesUp to 10%

Payment Methods

Discount typeFarmers The Hartford
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yes--
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Phone Payment
yesyes

Features and Services

Features and ServicesFarmers The Hartford
24/7 service--yes
Accident forgivenessyesyes
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFarmers The Hartford
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
yesyes
Comprehensive Claim Forgiveness
yesyes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
yes--
Glass Coverage yesyes
Incident Forgiveness
yes--
Loss of Use Coverage
yes--
New Car Replacement Coverage
yesyes
No Fault Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Personal/Upgraded Item Coverage
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
Small Claim Forgiveness
yes--
Umbrella Policy
yesyes
Vanishing Deductible
yesyes

Online Quoting by State

  • Farmers
  • The Hartford
  • Both

Uber and Lyft driver insurance

  • Farmers
  • The Hartford
  • Both

SR‌-22 Insurance by State

  • Farmers
  • The Hartford
  • Both

Compare Insurance Products

ProductFarmers The Hartford
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Earthquake InsuranceEarthquake Insuranceyes--
Flood InsuranceFlood Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insuranceyes--
Recreational InsuranceRecreational Insuranceyes--
Renters InsuranceRenters Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Farmers Reviews
  • The Hartford Reviews
3.4
5 Stars
37 %
4 Stars
17 %
3 Stars
15 %
2 Stars
8 %
1 Star
24 %

Most Positive Review

By Joe
They provided me with good service and whenever I needed to make a change in coverage they were very accommodating and when I had a claim they were very quick in taking care of it.

Most Critical Review

By Chesney
Farmers is the absolute worst insurance company around, their communication is poor, customer service is poor & they don’t seem to care about their customers needs

All Reviews

Showing 1 - 10 out of 506 Reviews
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Read reviews that mention

Terence A.Fomba
Please I wish to enquire if I can pay insurance using my name on my brother's car and drive with my international drivers licenses?
Sharon
Good agent
Jagtar
David
Farmers suck. If you are not at fault in an accident. You are on your own. They do nothing. We had to contact their insurance and all kind of rental car arrangements. They did nothing and they sucked.
David
We were in a car accident. The car was hit while my wife and I went for a walk in the park. The gentleman who hit the car was good enough to wait for us to return from our walk. He worked for the city of Maggie Valley. Farmers did nothing for us. We had to contact everyone because the party is as at fault.
Mirtha
Very expensive
Brenda
They were expensive.
Chris
Rates and coverage
Anis
Professional
Michael
They were always on top of everything I had to do with them. They were always quick to resolve issues and handle my claims. I felt secure with them as my insurance carrier
Showing 1 - 10 out of 506 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.