Freedom National vs The Hartford Car Insurance

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

Ratings

Insurify Composite Score

Freedom National
Not Rated
What is this?

Insurify Composite Score

The Hartford
93
What is this?

Insurify Composite Score

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

Auto Insurance Quotes

For Married Drivers

CityFreedom National The Hartford
Phoenix--$51
Santa Monica--$76

For Single Drivers

CityFreedom National The Hartford
Phoenix--$51
Santa Monica--$143

For Male Drivers

CityFreedom National The Hartford
Phoenix--$52
Santa Monica--$138

For Female Drivers

CityFreedom National The Hartford
Phoenix--$49
Santa Monica--$81

For Drivers with Speeding Ticket

CityFreedom National The Hartford
Phoenix--$67
Santa Monica--$213

For Drivers with No Speeding Ticket

CityFreedom National The Hartford
Phoenix--$47
Santa Monica--$87

For Drivers Age Between 18-40

CityFreedom National The Hartford
Phoenix--$52
Santa Monica--$165

For Drivers Age Between 40-65

CityFreedom National The Hartford
Phoenix--$49
Santa Monica--$68

For Drivers Age of 65+

CityFreedom National The Hartford
Phoenix--$53
Santa Monica--$56

For Drivers with Average Credit

CityFreedom National The Hartford
Phoenix--$49
Santa Monica--$97

For Drivers with Fair Credit

CityFreedom National The Hartford
Phoenix--$59
Santa Monica--$81

For Drivers with Good Credit

CityFreedom National The Hartford
Phoenix--$46
Santa Monica--$83

For Drivers with Excellent Credit

CityFreedom National The Hartford
Phoenix--$49
Santa Monica--$176

Quotes & Discounts

Discount typeFreedom National The Hartford
Good DriverUp to 20%--
Multiple VehicleUp to 20%--
Claims Free RenewalUp to 15%--
Good StudentUp to 5%Up to 15%
Mature driverUp to 5%--
Paid in fullUp to 5%Varies
E-billingVaries--
Anti-Theft Device--Up to 15%
Defensive Driver--Up to 5%
Driving training--Varies
EV/Hybrid--Varies
Multiple Policy--Up to 20%
Passive Restraint--Up to 3%
teenSMART--Up to 10%

Payment Methods

Discount typeFreedom National 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
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesFreedom National The Hartford
24/7 serviceyesyes
Accident forgiveness--yes
Flexible / convenient paymentsyes--
Low prices for high risk driversyes--
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

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

Insurance by State

Online Quoting by State

  • Freedom National
  • The Hartford
  • Both

SR‌-22 Insurance by State

  • Freedom National
  • The Hartford
  • Both

Compare Insurance Products

ProductFreedom National 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

  • Freedom National Reviews
  • The Hartford Reviews
1.6
5 Stars
11 %
4 Stars
4 %
2 Stars
7 %
1 Star
78 %

Most Positive Review

By Donna
They were good to me. I was just seeing if there were anyone cheaper.

Most Critical Review

By Kristina
Lack of customer service and always changing policy and Payment amount

All Reviews

Showing 1 - 10 out of 27 Reviews
Sort by

Read reviews that mention

Darcie L Hilander
This company is WRONG.! I paid for an auto insurance policy in July of 2020 with FREEDOM NATIONAL. I paid 6 months in advance like I always do. My policy was due again the last day of November 2020. Well thank God I didn't have an accident! I am on a fixed income and I had money left over in my account , I found that FN didn't take it out and I had been uninsured for 4days. This is HUGE 4 me as I didn't always have it in the past. I paid it right away just to find an email the very next day cancelling my policy due to them going out of business. The story goes on but I really can't write a novel right now. Just keep in mind THEY DOUBLE CHARGED ME AND SAY THEY CANT REFUND ME! someother company is doing that. STILL NO REFUND and now I can't even afford insurance. For another year! Jerks
David ángel
Un mal servicio no buscan la satisfacción de el cliente y tampoco les interesa q pongas tu vida en riesgo ni las de los demás .
Chris L
Had renewal come up for six-month policy. Had to go to monthly policy for a few months and pay monthly due to finances. On the Free National site a new policy app will not process. They keep transferring me to underwriters Freedom National claims can restructure my policy for monthly. But a quote for Freedom National does not appear for that underwriter. BUT WAIT ! They can get me with Progressive for only 60% more ! I am getting scammed. Went in circles with Freedom National and the underwriter SEVEN times this morning, each time Freedom National promised the underwriter could restructure the Freedom National policy at very close to the same rate.
jewel W
AS I WAS READY TO SIGN MY DOCUMENT'S, I PULL UP THEIR REPORT FROM THE BBB. THANK GOD I DID I WAS NOT HAPPY WITH WHAT I READ. SO WHY GO THIS THIS #### IF U KNOW THAT ALL OF THEIR REPORT ARE BAD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! DON'T EVEN THINK TWICE ABOUT USING THEIR INSURANCE. THANK YOU !!!!!!!!!! EVERYONE FOR EXPOSING THAT RIP OFF COMPANY. I WILL NOT DO ANY BUSINESS WITH THIS COMPANY!!!!!!!!!!!!!!! DON'T DO IT!!!!!! 02/26/2019 THEY REALLY DON'T DESERVE A STAR
Jean
Horrible customer service, constant fluctuation in monthly billing (meaning it was a different amount every month) and we received different answers from every representative we talked to. Terrible company.
Amber Buckhalter
Cheapest Auto insurance company to keep you legal. No deposit!
FERAS HAJ AHMED
HGA137581
FuckFreedomNational
Applied for insurance and was given all proper documents yet it is showing i have no insurance.
Kristina
Lack of customer service and always changing policy and Payment amount
Kristina
Lack of customer service and always changing policy and Payment amount
Showing 1 - 10 out of 27 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.