Root 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

Root
Not Rated
What is this?

Insurify Composite Score

The Hartford
93
What is this?

Insurify Composite Score

Root VS The Hartford
Not Rated
93
What is this?
User Ratings
OptionsRoot The Hartford
Rating/Reviews
13 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsRoot 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)
OptionsRoot 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)
RegionRoot 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
RegionRoot The Hartford
Android
14,713 Reviews
376 Reviews
iOS
22,800 Reviews
47 Reviews
Financial Ratings
OptionsRoot The Hartford
A.M. Best--A+
Moody's--A2
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityRoot The Hartford
Phoenix--$51
Santa Monica--$76

For Single Drivers

CityRoot The Hartford
Phoenix--$51
Santa Monica--$143

For Male Drivers

CityRoot The Hartford
Phoenix--$52
Santa Monica--$138

For Female Drivers

CityRoot The Hartford
Phoenix--$49
Santa Monica--$81

For Drivers with Speeding Ticket

CityRoot The Hartford
Phoenix--$67
Santa Monica--$213

For Drivers with No Speeding Ticket

CityRoot The Hartford
Phoenix--$47
Santa Monica--$87

For Drivers Age Between 18-40

CityRoot The Hartford
Phoenix--$52
Santa Monica--$165

For Drivers Age Between 40-65

CityRoot The Hartford
Phoenix--$49
Santa Monica--$68

For Drivers Age of 65+

CityRoot The Hartford
Phoenix--$53
Santa Monica--$56

For Drivers with Average Credit

CityRoot The Hartford
Phoenix--$49
Santa Monica--$97

For Drivers with Fair Credit

CityRoot The Hartford
Phoenix--$59
Santa Monica--$81

For Drivers with Good Credit

CityRoot The Hartford
Phoenix--$46
Santa Monica--$83

For Drivers with Excellent Credit

CityRoot The Hartford
Phoenix--$49
Santa Monica--$176

Quotes & Discounts

Discount typeRoot The Hartford
Defensive DriverVariesUp to 5%
Driving HabitsVaries--
Early QuoteVaries--
Good DriverVaries--
Home OwnerVaries--
LoyaltyVaries--
Paid in fullVariesVaries
Seat Belt UseVaries--
Anti-Theft Device--Up to 15%
Driving training--Varies
EV/Hybrid--Varies
Good Student--Up to 15%
Multiple Policy--Up to 20%
Passive Restraint--Up to 3%
teenSMART--Up to 10%

Payment Methods

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

Features and Services

Features and ServicesRoot The Hartford
24/7 serviceyesyes
Accident forgiveness--yes
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesRoot The Hartford
Accident Forgiveness
--yes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
yesyes
Emergency Assistance Coverage
--yes
Gap Insurance
yes--
Glass Coverage yesyes
New Car Replacement Coverage
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Umbrella Policy
--yes
Vanishing Deductible
--yes

Online Quoting by State

  • Root
  • The Hartford
  • Both

Compare Insurance Products

ProductRoot 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

  • Root Reviews
  • The Hartford Reviews
2.9
5 Stars
23 %
4 Stars
15 %
3 Stars
23 %
2 Stars
8 %
1 Star
31 %

Most Helpful Review

By Ryan
Services

Latest Review

By Ryan
Services

All Reviews

Showing 1 - 10 out of 13 Reviews
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Read reviews that mention

Ryan
Services
Salim
Rates are always going up even with a switch of a address! Was with root for 6 months and they raised my monthly payment by $160 bucks I will be switching providers
Edelmiro
Good insurance company was paying $62 a month then my renewal came for sept. @$102 never had a accident or points taken off my license so why the$40 increase
Alexandre
My rate raised up on my next policy
Khristopher
Great rates to start, renewal is almost always higher.
Roxana
Lee
Because it sucks ! Promising low rates to get you to switch then jacking the rate after 60 days !...im 50 years old no accidents or tickets in years yet root wants 180 a month ! Thats a bunch of bull ...f@#! Root.
Alice
Michael
they price your rates based on your driving, by using a app to monitor you
Daniel
They are a good company
Showing 1 - 10 out of 13 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.