4.8out of 3,000+ reviews

The Hartford vs USAA Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

The Hartford
93
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Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

The Hartford VS USAA
93
96
What is this?
User Ratings
OptionsThe Hartford USAA
Rating/Reviews
29,516 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsThe Hartford USAA
Call Center RepresentativeAbout averageAmong the best
Insurer WebsiteBetter than mostAmong the best
Local Agent--About average
Overall SatisfactionBetter than mostAmong the best
Policy OfferingsBetter than mostAmong the best
PricingBetter than mostAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsThe Hartford USAA
Claim ServicingBetter than mostBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostAmong the best
Overall SatisfactionBetter than mostAmong the best
Rental ExperienceThe restBetter than most
Repair ProcessAmong the bestAmong the best
SettlementBetter than mostBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionThe Hartford USAA
California835 pt
Better than most
894 pt
Among the best
Central--906 pt
Among the best
Florida806 pt
The rest
888 pt
Among the best
Mid-Atlantic839 pt
About average
896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central838 pt
Better than most
905 pt
Among the best
Northwest832 pt
Better than most
896 pt
Among the best
Southeast--894 pt
Among the best
Southwest838 pt
Among the best
887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionThe Hartford USAA
Android
376 Reviews
98,577 Reviews
iOS
47 Reviews
3,600 Reviews
Financial Ratings
OptionsThe Hartford USAA
A.M. BestA+A++
Fitch--AA+
Moody'sA2Aa1
Standard & Poor'sA+AA+

Auto Insurance Quotes

For Married Drivers

CityThe Hartford USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix$51$39
Santa Monica$76$50

For Single Drivers

CityThe Hartford USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix$51$58
Santa Monica$143$89

For Male Drivers

CityThe Hartford USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix$52$52
Santa Monica$138$82

For Female Drivers

CityThe Hartford USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix$49$44
Santa Monica$81$57

For Drivers with Speeding Ticket

CityThe Hartford USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix$67$69
Santa Monica$213$115

For Drivers with No Speeding Ticket

CityThe Hartford USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix$47$44
Santa Monica$87$59

For Drivers Age Between 18-40

CityThe Hartford USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix$52$59
Santa Monica$165$95

For Drivers Age Between 40-65

CityThe Hartford USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix$49$35
Santa Monica$68$49

For Drivers Age of 65+

CityThe Hartford USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix$53$57
Santa Monica$56$48

For Drivers with Average Credit

CityThe Hartford USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix$49$51
Santa Monica$97$68

For Drivers with Fair Credit

CityThe Hartford USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix$59$46
Santa Monica$81$55

For Drivers with Good Credit

CityThe Hartford USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix$46$38
Santa Monica$83$55

For Drivers with Excellent Credit

CityThe Hartford USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix$49$57
Santa Monica$176$99

Quotes & Discounts

Discount typeThe Hartford USAA
Multiple PolicyUp to 20%Up to 9%
Anti-Theft DeviceUp to 15%Up to 20%
Good StudentUp to 15%Varies
teenSMARTUp to 10%Varies
Defensive DriverUp to 5%Varies
Passive RestraintUp to 3%Up to 15%
Driving trainingVariesVaries
EV/HybridVaries--
Paid in fullVaries--
Accident Forgiveness--Varies
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Family--Up to 10%
Good Driver--Up to 10%
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
Multiple Vehicle--Up to 13%
New Car--Varies
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%

Payment Methods

Discount typeThe Hartford USAA
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesThe Hartford USAA
24/7 serviceyesyes
Accident forgivenessyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

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

Online Quoting by State

  • The Hartford
  • USAA
  • Both

Uber and Lyft driver insurance

  • The Hartford
  • USAA
  • Both

Compare Insurance Products

ProductThe Hartford USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • The Hartford Reviews
  • USAA Reviews
4.6
5 Stars
82 %
4 Stars
9 %
3 Stars
4 %
2 Stars
2 %
1 Star
4 %

Most Helpful Review

By Satisfied customer
Treated me fairly resolved my claim quickly and the process was easy

Latest Review

By Sharon H
My personal opinion Hartford needs to dump TrueLane! Hartford Customer Service Is Excellent quotes are decent but the App is In accurate & Stressful!

All Reviews

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

Sharon H
My personal opinion Hartford needs to dump TrueLane! Hartford Customer Service Is Excellent quotes are decent but the App is In accurate & Stressful!
Bradley
Excellent, fast service, helpful friendly folks.
Christopher
Nobody can beat my price with the Hartford $550 per year everyone is quoting me more so stop trying to get me to change I am not going to. good luck with other people
Christopher
After getting quotes looks like nobody can beat your price for me a senior with no tickets or accidents in 15 to 20 years
Karen
Rates go up too much. Great customer service.
DOROTEO
SERVICE
Kris
Screwing up my payments and charging me for the screw up. I signed up for autowithdrawal assuming it would take the full payment as I always do. No with no advance notice starting taking the money in installments charging me a $5 service fee. It took two months to fix it and I was refused a refund of my service fees. So I will be getting both my homeowners and auto policies elsewhere.
Pamela
Brenda
The Hartford is an excellent company but going to Mayo Clinic I was cancelled disappointed with that aspect
Pamla
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.