Nationwide 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

Nationwide
89
What is this?

Insurify Composite Score

The Hartford
93
What is this?

Insurify Composite Score

Nationwide VS The Hartford
89
93
What is this?
User Ratings
OptionsNationwide The Hartford
Rating/Reviews
3,848 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsNationwide The Hartford
Call Center RepresentativeThe restAbout average
Insurer WebsiteAmong the bestBetter than most
Local AgentBetter than most--
Overall SatisfactionAbout averageBetter than most
Policy OfferingsBetter than mostBetter than most
PricingAbout averageBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsNationwide The Hartford
Claim ServicingAbout averageBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostBetter than most
Overall SatisfactionAbout averageBetter than most
Rental ExperienceBetter than mostThe rest
Repair ProcessBetter than mostAmong the best
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionNationwide The Hartford
California796 pt
About average
835 pt
Better than most
Central803 pt
The rest
--
Florida793 pt
The rest
806 pt
The rest
Mid-Atlantic823 pt
The rest
839 pt
About average
New England817 pt
About average
--
New York806 pt
The rest
--
North Central815 pt
The rest
838 pt
Better than most
Northwest782 pt
The rest
832 pt
Better than most
Southeast823 pt
About average
--
Southwest805 pt
The rest
838 pt
Among the best
Texas813 pt
The rest
--
Mobile App Ratings
RegionNationwide The Hartford
Android
1,829 Reviews
376 Reviews
iOS
40 Reviews
47 Reviews
Financial Ratings
OptionsNationwide The Hartford
A.M. BestA+A+
Moody'sA1A2
Standard & Poor'sA+A+

Auto Insurance Quotes

For Married Drivers

CityNationwide The Hartford
Austin$73--
Chicago$184--
Philadelphia$87--
Phoenix--$51
Santa Monica$96$76

For Single Drivers

CityNationwide The Hartford
Austin$99--
Chicago$183--
Philadelphia$96--
Phoenix--$51
Santa Monica$231$143

For Male Drivers

CityNationwide The Hartford
Austin$84--
Chicago$185--
Philadelphia$90--
Phoenix--$52
Santa Monica$215$138

For Female Drivers

CityNationwide The Hartford
Austin$88--
Chicago$182--
Philadelphia$93--
Phoenix--$49
Santa Monica$112$81

For Drivers with Speeding Ticket

CityNationwide The Hartford
Austin$115--
Chicago$285--
Philadelphia$102--
Phoenix--$67
Santa Monica$270$213

For Drivers with No Speeding Ticket

CityNationwide The Hartford
Austin$80--
Chicago$161--
Philadelphia$90--
Phoenix--$47
Santa Monica$141$87

For Drivers Age Between 18-40

CityNationwide The Hartford
Austin$97--
Chicago$185--
Philadelphia$94--
Phoenix--$52
Santa Monica$262$165

For Drivers Age Between 40-65

CityNationwide The Hartford
Austin$70--
Chicago$172--
Philadelphia$82--
Phoenix--$49
Santa Monica$85$68

For Drivers Age of 65+

CityNationwide The Hartford
Austin$108--
Chicago$217--
Philadelphia$112--
Phoenix--$53
Santa Monica$88$56

For Drivers with Average Credit

CityNationwide The Hartford
Austin$105--
Chicago$207--
Philadelphia$104--
Phoenix--$49
Santa Monica$147$97

For Drivers with Fair Credit

CityNationwide The Hartford
Austin$87--
Chicago$185--
Philadelphia$91--
Phoenix--$59
Santa Monica$117$81

For Drivers with Good Credit

CityNationwide The Hartford
Austin$70--
Chicago$197--
Philadelphia$90--
Phoenix--$46
Santa Monica$106$83

For Drivers with Excellent Credit

CityNationwide The Hartford
Austin$83--
Chicago$144--
Philadelphia$80--
Phoenix--$49
Santa Monica$285$176

Quotes & Discounts

Discount typeNationwide The Hartford
FamilyUp to 25%--
Multiple PolicyUp to 25%Up to 20%
Multiple VehicleUp to 20%--
Good StudentUp to 15%Up to 15%
Defensive DriverUp to 10%Up to 5%
Farm BureauUp to 10%--
Good DriverUp to 10%--
OrganizationUp to 10%--
SmartRideUp to 10%--
Anti-Theft DeviceUp to 5%Up to 15%
Accident ForgivenessVaries--
Accident FreeVaries--
Affinity groupVaries--
Driving HabitsVaries--
Paperless documentsVaries--
Preferred paymentVaries--
Driving training--Varies
EV/Hybrid--Varies
Paid in full--Varies
Passive Restraint--Up to 3%
teenSMART--Up to 10%

Payment Methods

Discount typeNationwide 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
Person 2 Person Payment yes--
Phone Payment
yesyes

Features and Services

Features and ServicesNationwide The Hartford
24/7 service--yes
Accident forgiveness--yes
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

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

Online Quoting by State

  • Nationwide
  • The Hartford
  • Both

Compare Insurance Products

ProductNationwide The Hartford
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Pet InsurancePet Insuranceyes--

User Reviews

  • Nationwide Reviews
  • The Hartford Reviews
3.6
5 Stars
50 %
4 Stars
11 %
3 Stars
9 %
2 Stars
6 %
1 Star
24 %

Most Positive Review

By Jimmy
I’ve been with nationwide for many years as a happy customer. I’m looking over the market to see if my rates are high or low.

Most Critical Review

By Tammy
Never could get a straight answer. No one would call me back. Got the run around. My rates kept climbing when my husband and I have perfect driving records.

All Reviews

Showing 1 - 10 out of 1000 Reviews
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Read reviews that mention

csecesd
klmmlk
Ernest
appalling disconnect between field and home offices, with the home usually two weeks behind events in the field. Which causes continuing billing errors which NW does not acknowledge.
Darrell
They are fair
Saleem
The rates I had with them and their prompt and courteous service.
Michael
They are ok just price
Robert
Too expensive for the age of me and the car.
Todd
Price increases
Natale
After I had a serious accident the amount I received for my totaled car had been nickel and dimed so low there was no way to get a comparable car. I understand deductions for mileage etc... but when a top of the line model cant even equate to a bottom of the line model in an older model something is wrong.
Amy
Shannon
Nothing remarkable either way.
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.