Safeco 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

Safeco
86
What is this?

Insurify Composite Score

The Hartford
93
What is this?

Insurify Composite Score

Safeco VS The Hartford
86
93
What is this?
User Ratings
OptionsSafeco The Hartford
Rating/Reviews
1,801 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsSafeco The Hartford
Call Center RepresentativeThe restAbout average
Insurer Website--Better than most
Local AgentBetter than most--
Overall SatisfactionAbout averageBetter than most
Policy OfferingsAbout averageBetter than most
PricingAbout averageBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsSafeco The Hartford
Claim ServicingThe restBetter than most
Estimation ProcessThe restBetter than most
First Notice of Loss (FNOL)The restBetter than most
Overall SatisfactionThe restBetter than most
Rental ExperienceThe restThe rest
Repair ProcessThe restAmong the best
SettlementThe restBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionSafeco The Hartford
California811 pt
About average
835 pt
Better than most
Central803 pt
The rest
--
Florida825 pt
About average
806 pt
The rest
Mid-Atlantic--839 pt
About average
New England796 pt
The rest
--
North Central803 pt
The rest
838 pt
Better than most
Northwest798 pt
The rest
832 pt
Better than most
Southeast820 pt
About average
--
Southwest792 pt
The rest
838 pt
Among the best
Mobile App Ratings
RegionSafeco The Hartford
Android
89 Reviews
376 Reviews
iOS
1,200 Reviews
47 Reviews
Financial Ratings
OptionsSafeco The Hartford
A.M. BestAA+
FitchA---
Moody'sA2A2
Standard & Poor'sAA+

Auto Insurance Quotes

For Married Drivers

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

For Single Drivers

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

For Male Drivers

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

For Female Drivers

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

For Drivers with Speeding Ticket

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

For Drivers with No Speeding Ticket

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

For Drivers Age Between 18-40

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

For Drivers Age Between 40-65

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

For Drivers Age of 65+

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

For Drivers with Average Credit

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

For Drivers with Fair Credit

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

For Drivers with Good Credit

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

For Drivers with Excellent Credit

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

Quotes & Discounts

Discount typeSafeco The Hartford
Good CreditUp to 73%--
Multiple VehicleUp to 36%--
Low MileageUp to 20%--
Student Away at SchoolUp to 20%--
Good StudentUp to 16%Up to 15%
Good DriverUp to 15%--
teenSMARTUp to 15%Up to 10%
Anti-Theft DeviceUp to 3%Up to 15%
Accident ForgivenessVaries--
Accident FreeVaries--
Anti-lock BrakeVaries--
Claims Free RenewalVaries--
DeductibleVaries--
Defensive DriverVariesUp to 5%
Diminishing DeductibleVaries--
Driving trainingVariesVaries
Early ShopperVaries--
Home OwnerVaries--
LoyaltyVaries--
Multiple PolicyVariesUp to 20%
New Teen DriverVaries--
Paid in fullVariesVaries
PrepayVaries--
RightTrackVaries--
Senior AdultVaries--
EV/Hybrid--Varies
Passive Restraint--Up to 3%

Payment Methods

Discount typeSafeco The Hartford
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yesyes

Features and Services

Features and ServicesSafeco The Hartford
24/7 serviceyesyes
Accident forgivenessyesyes
Diminishing deductibleyes--
Mobile app--yes
Online account managementyesyes
Reimbursement of first aidyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesSafeco The Hartford
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
--yes
Build Your Own Plan
yes--
Comprehensive Claim Forgiveness
--yes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yesyes
First Aid Reimbursement
yes--
Gap Insurance
yes--
Glass Coverage --yes
New Car Replacement Coverage
yesyes
Personal/Upgraded Item Coverage
yes--
Pet Coverage
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
Sound System Coverage
yes--
Umbrella Policy
--yes
Vanishing Deductible
yesyes

Online Quoting by State

  • Safeco
  • The Hartford
  • Both

Uber and Lyft driver insurance

  • Safeco
  • The Hartford
  • Both

SR‌-22 Insurance by State

  • Safeco
  • The Hartford
  • Both

Compare Insurance Products

ProductSafeco The Hartford
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insurance--yes
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Dwelling Fire InsuranceDwelling Fire Insuranceyes--
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyes--
Renters InsuranceRenters Insuranceyes--
Ridesharing InsuranceRidesharing Insuranceyes--
RV InsuranceRV Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Safeco Reviews
  • The Hartford Reviews
4.1
5 Stars
57 %
4 Stars
20 %
3 Stars
10 %
2 Stars
4 %
1 Star
9 %

Most Helpful Review

By Rebekka
Reliable insurance

Most Critical Review

By
I bought an auto policy in 7/2/2015. Then got a letter of notice more than 2 months later that premium is being increased by 600 dollars. My husband spoke to a staff at Safeco, that we provided all the info on runningg drivig records before buying the policy, and it was reviewed before the contract. It ws not accceptable that the premium incrased so much, to the amount we never agreed upon, we would've never bought at first place. Talking about refund, applying the incrased premium retroactively for the past 2 months does not make sense at all, either! We stated we wanted to speak to the staff's manager/supervisor the next say, and he said yes, but nobody called us back since last Friday. Very disappointing experience with both Safeco and Answer. We submitted cancel request and waiting. Will need to get proper amount of refund. Very unreasonable

All Reviews

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

Adil
Doing really well
Cynthia Davis
I just want to give everyone a warning about SafeCo insurance. They are trying to scam me out of $400 because I refuse to show them what my bank balance is (I showed them where the money came out, with reference numbers, but they want my balance).. And every time I call they make up something new to try to keep my money, and my policy never even started with them because he stated (in a recorded call) that the quote was for me and my son, yet only added me, and charged me the price he quoted for both of us. Now I have had to file a complaint with the Insurance Commissioner and my bank. What a nightmare. I hate thieves and con artists. I hope karma serves you just what you deserve, SafeCo.
Jessica
Excellent service
Roseann
Claims process
Robert
Poor communication and lack of handling a claim
Terence
Ewsy claim process
Judy
The price and amount I'm being charged
Charles
Quality Company, great service.
Charles
Looking for something cheaper
Tyrone
Was very happy with them when we originally signed up. Are switching due to increasing premium costs.
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.