4.8out of 3,000+ reviews

GEICO vs The Hartford Car Insurance

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4 Insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

GEICO
88
What is this?

Insurify Composite Score

The Hartford
93
What is this?

Insurify Composite Score

GEICO VS The Hartford
88
93
What is this?
User Ratings
OptionsGEICO The Hartford
Rating/Reviews
3,736 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsGEICO The Hartford
Call Center RepresentativeAbout averageAbout average
Insurer WebsiteAmong the bestBetter than most
Local AgentThe rest--
Overall SatisfactionAbout averageBetter than most
Policy OfferingsBetter than mostBetter than most
PricingBetter than mostBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsGEICO The Hartford
Claim ServicingBetter than mostBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostBetter than most
Overall SatisfactionBetter than mostBetter than most
Rental ExperienceBetter than mostThe rest
Repair ProcessAbout averageAmong the best
SettlementBetter than mostBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionGEICO The Hartford
California807 pt
About average
835 pt
Better than most
Central838 pt
Better than most
--
Florida832 pt
Better than most
806 pt
The rest
Mid-Atlantic848 pt
Better than most
839 pt
About average
New England827 pt
About average
--
New York813 pt
About average
--
North Central830 pt
About average
838 pt
Better than most
Northwest805 pt
About average
832 pt
Better than most
Southeast839 pt
About average
--
Southwest798 pt
The rest
838 pt
Among the best
Texas816 pt
The rest
--
Mobile App Ratings
RegionGEICO The Hartford
Android
147,062 Reviews
376 Reviews
iOS
446,400 Reviews
47 Reviews
Financial Ratings
OptionsGEICO The Hartford
A.M. BestA++A+
FitchAA---
Moody'sAa3A2
Standard & Poor'sAA+A+

Auto Insurance Quotes

For Married Drivers

CityGEICO The Hartford
Austin$59--
Chicago$67--
Philadelphia$88--
Phoenix$38$51
Santa Monica$48$76

For Single Drivers

CityGEICO The Hartford
Austin$62--
Chicago$68--
Philadelphia$92--
Phoenix$44$51
Santa Monica$129$143

For Male Drivers

CityGEICO The Hartford
Austin$59--
Chicago$71--
Philadelphia$92--
Phoenix$42$52
Santa Monica$123$138

For Female Drivers

CityGEICO The Hartford
Austin$62--
Chicago$64--
Philadelphia$87--
Phoenix$40$49
Santa Monica$53$81

For Drivers with Speeding Ticket

CityGEICO The Hartford
Austin$74--
Chicago$92--
Philadelphia$128--
Phoenix$64$67
Santa Monica$141$213

For Drivers with No Speeding Ticket

CityGEICO The Hartford
Austin$58--
Chicago$62--
Philadelphia$84--
Phoenix$36$47
Santa Monica$77$87

For Drivers Age Between 18-40

CityGEICO The Hartford
Austin$63--
Chicago$71--
Philadelphia$98--
Phoenix$45$52
Santa Monica$149$165

For Drivers Age Between 40-65

CityGEICO The Hartford
Austin$54--
Chicago$61--
Philadelphia$79--
Phoenix$35$49
Santa Monica$40$68

For Drivers Age of 65+

CityGEICO The Hartford
Austin$75--
Chicago$78--
Philadelphia$99--
Phoenix$48$53
Santa Monica$41$56

For Drivers with Average Credit

CityGEICO The Hartford
Austin$68--
Chicago$70--
Philadelphia$94--
Phoenix$43$49
Santa Monica$76$97

For Drivers with Fair Credit

CityGEICO The Hartford
Austin$71--
Chicago$74--
Philadelphia$104--
Phoenix$43$59
Santa Monica$56$81

For Drivers with Good Credit

CityGEICO The Hartford
Austin$55--
Chicago$66--
Philadelphia$84--
Phoenix$37$46
Santa Monica$60$83

For Drivers with Excellent Credit

CityGEICO The Hartford
Austin$48--
Chicago$60--
Philadelphia$77--
Phoenix$41$49
Santa Monica$161$176

Quotes & Discounts

Discount typeGEICO The Hartford
Good DriverUp to 26%--
Anti-Theft DeviceUp to 25%Up to 15%
Emergency DeploymentUp to 25%--
Federal EmployeeUp to 25%--
Passive RestraintUp to 25%Up to 3%
Good StudentUp to 15%Up to 15%
MilitaryUp to 15%--
Seat Belt UseUp to 15%--
Anti-lock BrakeUp to 5%--
Daytime Running LightsUp to 3%--
Accident FreeVaries--
Defensive DriverVariesUp to 5%
Driving trainingVariesVaries
Multiple PolicyVariesUp to 20%
Multiple VehicleVaries--
OrganizationVaries--
Senior AdultVaries--
teenSMARTVariesUp to 10%
EV/Hybrid--Varies
Paid in full--Varies

Payment Methods

Discount typeGEICO 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
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
--yes
Phone Payment
yesyes

Features and Services

Features and ServicesGEICO The Hartford
24/7 serviceyesyes
Accident forgivenessyesyes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesGEICO The Hartford
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
yesyes
Emergency Assistance Coverage
--yes
Glass Coverage --yes
Incident Forgiveness
yes--
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
--yes
No Fault Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yesyes
Vanishing Deductible
--yes

Online Quoting by State

  • GEICO
  • The Hartford
  • Both

Uber and Lyft driver insurance

  • GEICO
  • The Hartford
  • Both

SR‌-22 Insurance by State

  • GEICO
  • The Hartford
  • Both

Compare Insurance Products

ProductGEICO The Hartford
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Dwelling Fire InsuranceDwelling Fire Insuranceyes--
Flood InsuranceFlood Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyes--
Jewelry InsuranceJewelry Insuranceyes--
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insuranceyes--
Ridesharing InsuranceRidesharing Insuranceyes--
RV InsuranceRV Insuranceyes--
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • GEICO Reviews
  • The Hartford Reviews
3.2
5 Stars
32 %
4 Stars
17 %
3 Stars
16 %
2 Stars
10 %
1 Star
25 %

Most Helpful Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

Latest Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

All Reviews

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Read reviews that mention

Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.
mister
the worst company ever, they insure you for 6 months at a time then when its time to "renew" they start increasing your rates with no explanation, they give you a speech about if anything happens you want to be covered right" lol they are thief's , not worth it, I suggest any other company besides geico!! raise your rate with no reason then they read some lame excuses LOL what a joke!!
Alexi ojitom
Yes
Micah Zimmerman
A Geico insured motorist hit my parked car. Of course they are 100% responsible for repairing. The adjuster (Brandon Seiber) skinnied down the estimate for repair such that my car was not fixed properly AND it cost me money with the body shop. The body shop said Geico is the only insurance company this happens with and they do it to their own insured. If you have Geico, you might want to think about truly how well covered you are. Micah Zimmerman 513/476-6466
Tricia
They're awesome
Alice
Geico doesn't reward loyalty
Christina
They gave me a great discount
Dayna
Always could be less?
Nin
Very expensive. Root insurance companies charge only 80 and geico charge me over 240
Jason
Showing 1 - 10 out of 1000 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.