Shelter Insurance vs The Hartford Car Insurance

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2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Shelter Insurance
85
What is this?

Insurify Composite Score

The Hartford
93
What is this?

Insurify Composite Score

Shelter Insurance VS The Hartford
85
93
What is this?
User Ratings
OptionsShelter Insurance The Hartford
Rating/Reviews
25 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsShelter Insurance 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)
OptionsShelter Insurance 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)
RegionShelter Insurance The Hartford
California--835 pt
Better than most
Central855 pt
Among the best
--
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
RegionShelter Insurance The Hartford
Android
157 Reviews
376 Reviews
iOS
8 Reviews
47 Reviews
Financial Ratings
OptionsShelter Insurance The Hartford
A.M. BestAA+
Moody's--A2
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityShelter Insurance The Hartford
Phoenix--$51
Santa Monica--$76

For Single Drivers

CityShelter Insurance The Hartford
Phoenix--$51
Santa Monica--$143

For Male Drivers

CityShelter Insurance The Hartford
Phoenix--$52
Santa Monica--$138

For Female Drivers

CityShelter Insurance The Hartford
Phoenix--$49
Santa Monica--$81

For Drivers with Speeding Ticket

CityShelter Insurance The Hartford
Phoenix--$67
Santa Monica--$213

For Drivers with No Speeding Ticket

CityShelter Insurance The Hartford
Phoenix--$47
Santa Monica--$87

For Drivers Age Between 18-40

CityShelter Insurance The Hartford
Phoenix--$52
Santa Monica--$165

For Drivers Age Between 40-65

CityShelter Insurance The Hartford
Phoenix--$49
Santa Monica--$68

For Drivers Age of 65+

CityShelter Insurance The Hartford
Phoenix--$53
Santa Monica--$56

For Drivers with Average Credit

CityShelter Insurance The Hartford
Phoenix--$49
Santa Monica--$97

For Drivers with Fair Credit

CityShelter Insurance The Hartford
Phoenix--$59
Santa Monica--$81

For Drivers with Good Credit

CityShelter Insurance The Hartford
Phoenix--$46
Santa Monica--$83

For Drivers with Excellent Credit

CityShelter Insurance The Hartford
Phoenix--$49
Santa Monica--$176

Quotes & Discounts

Discount typeShelter Insurance The Hartford
Anti-Theft DeviceVariesUp to 15%
Companion LifeVaries--
Companion PolicyVaries--
Defensive DriverVariesUp to 5%
Good DriverVaries--
Good StudentVariesUp to 15%
MilitaryVaries--
Multiple PolicyVariesUp to 20%
Multiple VehicleVaries--
Paid in fullVariesVaries
Passive RestraintVariesUp to 3%
VIN EtchingVaries--
teenSMARTVariesUp to 10%
Driving training--Varies
EV/Hybrid--Varies

Payment Methods

Discount typeShelter Insurance The Hartford
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Person 2 Person Payment yes--
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesShelter Insurance The Hartford
24/7 serviceyesyes
Accident forgiveness--yes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesShelter Insurance The Hartford
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
yesyes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
yes--
Gap Insurance
yes--
Glass Coverage --yes
Loss of Use Coverage
yes--
New Car Replacement Coverage
yesyes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
--yes
Vanishing Deductible
--yes

Online Quoting by State

  • Shelter Insurance
  • The Hartford
  • Both

Compare Insurance Products

ProductShelter Insurance The Hartford
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyesyes
Condo InsuranceCondo Insuranceyes--
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Shelter Insurance Reviews
  • The Hartford Reviews
4.3
5 Stars
56 %
4 Stars
28 %
3 Stars
8 %
2 Stars
8 %

Most Positive Review

By Claude
The agent I had was always on top of things. If I had an issue I would call him and usually within 1/2 hour it was solved

Most Critical Review

By Douglas
To expensive

All Reviews

Showing 1 - 10 out of 25 Reviews
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Read reviews that mention

Stephanie
Stephanie
Never really had to call them they were cheap and easy to work with
ROBERT
They were OK
Jessica
Great service and fast payment when my car was damaged when I hit a coyote
Leonard
Being on a fixed income I am always looking to save money. With my driving record, I can not justify a rate increase every year. Leonard Walters
Melody
They are extremely expensive. I am 63 with a good driving record and I was paying way to much. My home insurance was way to high also.
Elias
Elias
Levyn
Theyve always been understanding and good to me.
Levyn
They’ve always been understanding and good to me.
Showing 1 - 10 out of 25 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.