Car Insurance
- The Hartford
- USAA
- Both
The Hartford vs USAA Car Insurance
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Last Updated: January 2022
Ratings
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The Hartford
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USAA
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The Hartford VS USAA
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User Ratings
| Options | The Hartford  | USAA |
|---|---|---|
| Rating/Reviews | 29,516 reviews | 1,031 reviews |
U.S Auto Insurance Shopping Study (2018) ℹ
| Options | The Hartford | USAA |
|---|---|---|
| Call Center Representative | About average | Among the best |
| Insurer Website | Better than most | Among the best |
| Local Agent | -- | About average |
| Overall Satisfaction | Better than most | Among the best |
| Policy Offerings | Better than most | Among the best |
| Pricing | Better than most | Among the best |
U.S Auto Insurance Claims Satisfaction Study (2018) ℹ
| Options | The Hartford | USAA |
|---|---|---|
| Claim Servicing | Better than most | Better than most |
| Estimation Process | Better than most | Better than most |
| First Notice of Loss (FNOL) | Better than most | Among the best |
| Overall Satisfaction | Better than most | Among the best |
| Rental Experience | The rest | Better than most |
| Repair Process | Among the best | Among the best |
| Settlement | Better than most | Better than most |
J.D. Power Ratings by Region (out of 1000) ℹ
| Region | The Hartford | USAA |
|---|---|---|
| California | 835 pt Better than most | 894 pt Among the best |
| Central | -- | 906 pt Among the best |
| Florida | 806 pt The rest | 888 pt Among the best |
| Mid-Atlantic | 839 pt About average | 896 pt Among the best |
| New England | -- | 893 pt Among the best |
| New York | -- | 900 pt Among the best |
| North Central | 838 pt Better than most | 905 pt Among the best |
| Northwest | 832 pt Better than most | 896 pt Among the best |
| Southeast | -- | 894 pt Among the best |
| Southwest | 838 pt Among the best | 887 pt Among the best |
| Texas | -- | 899 pt Among the best |
Mobile App Ratings ℹ
| Region | The Hartford | USAA |
|---|---|---|
| Android | 376 Reviews | 98,577 Reviews |
| iOS | 47 Reviews | 3,600 Reviews |
Financial Ratings
| Options | The Hartford | USAA |
|---|---|---|
| A.M. Best | A+ | A++ |
| Fitch | -- | AA+ |
| Moody's | A2 | Aa1 |
| Standard & Poor's | A+ | AA+ |
Auto Insurance Quotes
For Married Drivers
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $48 |
| Chicago | -- | $47 |
| Philadelphia | -- | $31 |
| Phoenix | $51 | $39 |
| Santa Monica | $76 | $50 |
For Single Drivers
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $61 |
| Chicago | -- | $69 |
| Philadelphia | -- | $41 |
| Phoenix | $51 | $58 |
| Santa Monica | $143 | $89 |
For Male Drivers
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $55 |
| Chicago | -- | $59 |
| Philadelphia | -- | $38 |
| Phoenix | $52 | $52 |
| Santa Monica | $138 | $82 |
For Female Drivers
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $54 |
| Chicago | -- | $57 |
| Philadelphia | -- | $35 |
| Phoenix | $49 | $44 |
| Santa Monica | $81 | $57 |
For Drivers with Speeding Ticket
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $73 |
| Chicago | -- | $85 |
| Philadelphia | -- | $45 |
| Phoenix | $67 | $69 |
| Santa Monica | $213 | $115 |
For Drivers with No Speeding Ticket
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $51 |
| Chicago | -- | $52 |
| Philadelphia | -- | $35 |
| Phoenix | $47 | $44 |
| Santa Monica | $87 | $59 |
For Drivers Age Between 18-40
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $61 |
| Chicago | -- | $71 |
| Philadelphia | -- | $42 |
| Phoenix | $52 | $59 |
| Santa Monica | $165 | $95 |
For Drivers Age Between 40-65
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $44 |
| Chicago | -- | $43 |
| Philadelphia | -- | $28 |
| Phoenix | $49 | $35 |
| Santa Monica | $68 | $49 |
For Drivers Age of 65+
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $71 |
| Chicago | -- | $66 |
| Philadelphia | -- | $46 |
| Phoenix | $53 | $57 |
| Santa Monica | $56 | $48 |
For Drivers with Average Credit
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $59 |
| Chicago | -- | $68 |
| Philadelphia | -- | $41 |
| Phoenix | $49 | $51 |
| Santa Monica | $97 | $68 |
For Drivers with Fair Credit
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $57 |
| Chicago | -- | $55 |
| Philadelphia | -- | $37 |
| Phoenix | $59 | $46 |
| Santa Monica | $81 | $55 |
For Drivers with Good Credit
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $45 |
| Chicago | -- | $47 |
| Philadelphia | -- | $32 |
| Phoenix | $46 | $38 |
| Santa Monica | $83 | $55 |
For Drivers with Excellent Credit
| City | The Hartford | USAA |
|---|---|---|
| Austin | -- | $57 |
| Chicago | -- | $62 |
| Philadelphia | -- | $35 |
| Phoenix | $49 | $57 |
| Santa Monica | $176 | $99 |
Quotes & Discounts
| Discount type | The Hartford | USAA |
|---|---|---|
| Multiple Policy | Up to 20% | Up to 9% |
| Anti-Theft Device | Up to 15% | Up to 20% |
| Good Student | Up to 15% | Varies |
| teenSMART | Up to 10% | Varies |
| Defensive Driver | Up to 5% | Varies |
| Passive Restraint | Up to 3% | Up to 15% |
| Driving training | Varies | Varies |
| EV/Hybrid | Varies | -- |
| Paid in full | Varies | -- |
| 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 type | The Hartford | USAA |
|---|---|---|
| Automatic Online Payment ℹ |  | |
| Bank Payment/Direct Deposit | | -- |
| Credit Card Payment | | -- |
| Debit Card Payments | | -- |
| Mail Payment ℹ | | |
| Mobile App Payments ℹ | | |
| Online Payment ℹ | | |
| Phone Payment ℹ | | -- |
Features and Services
| Features and Services | The Hartford | USAA |
|---|---|---|
| 24/7 service | | |
| Accident forgiveness | | -- |
| Flexible / convenient payments | -- | |
| Mobile app | | |
| Online account management | | |
| Roadside assistance | | |
Optional Coverages
| Optional Coverages | The Hartford | USAA |
|---|---|---|
| Accident Forgiveness ℹ | | |
| Antique or Collector Car Insurance ℹ | | -- |
| Comprehensive Claim Forgiveness ℹ | | -- |
| Emergency Assistance Coverage ℹ | | -- |
| Extended Coverage ℹ | -- | |
| Glass Coverage | | -- |
| New Car Replacement Coverage ℹ | | -- |
| Rental Reimbursement ℹ | | |
| Roadside Assistance ℹ | | |
| Umbrella Policy ℹ | | -- |
| Vanishing Deductible ℹ | | -- |
Insurance by State
Online Quoting by State
- The Hartford
- USAA
- Both
Uber and Lyft driver insurance
- The Hartford
- USAA
- Both
Compare Insurance Products
| Product | The Hartford | USAA |
|---|---|---|
 Personal Articles Insurance | -- | |
 Car Insurance | | |
 Aviation Insurance | -- | |
 Boat Insurance | | |
 Business Insurance | | -- |
 Classic Car Insurance | -- | |
 Collectibles Insurance | -- | |
 Condo Insurance | -- | |
 Dwelling Fire Insurance | -- | |
 Farm Insurance | -- | |
 Flood Insurance | | |
 Home Insurance | | |
 Life Insurance | | |
 Mobile Home Insurance | -- | |
 Motorcycle Insurance | -- | |
 Renters Insurance | -- | |
 RV Insurance | -- | |
 Small Business Insurance | -- | |
 Umbrella Insurance | -- | |
User Reviews
- The Hartford Reviews
- USAA Reviews
4.6
1,000 Reviews
5 Stars
82 %
4 Stars
9 %
3 Stars
4 %
2 Stars
2 %
1 Star
4 %
Most Helpful Review
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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.
