The Hartford vs Utica National 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

The Hartford
93
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Insurify Composite Score

Utica National
Not Rated
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Insurify Composite Score

The Hartford VS Utica National
93
Not Rated
What is this?
User Ratings
OptionsThe Hartford Utica National
Rating/Reviews
29,516 reviews
1 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsThe Hartford Utica National
Call Center RepresentativeAbout average--
Insurer WebsiteBetter than most--
Overall SatisfactionBetter than most--
Policy OfferingsBetter than most--
PricingBetter than most--
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsThe Hartford Utica National
Claim ServicingBetter than most--
Estimation ProcessBetter than most--
First Notice of Loss (FNOL)Better than most--
Overall SatisfactionBetter than most--
Rental ExperienceThe rest--
Repair ProcessAmong the best--
SettlementBetter than most--
J.D. Power Ratings by Region (out of 1000)
RegionThe Hartford Utica National
California835 pt
Better than most
--
Florida806 pt
The rest
--
Mid-Atlantic839 pt
About average
--
North Central838 pt
Better than most
--
Northwest832 pt
Better than most
--
Southwest838 pt
Among the best
--
Mobile App Ratings
RegionThe Hartford Utica National
Android
376 Reviews
--
iOS
47 Reviews
--
Financial Ratings
OptionsThe Hartford Utica National
A.M. BestA+--
Moody'sA2--
Standard & Poor'sA+--

Auto Insurance Quotes

For Married Drivers

CityThe Hartford Utica National
Phoenix$51--
Santa Monica$76--

For Single Drivers

CityThe Hartford Utica National
Phoenix$51--
Santa Monica$143--

For Male Drivers

CityThe Hartford Utica National
Phoenix$52--
Santa Monica$138--

For Female Drivers

CityThe Hartford Utica National
Phoenix$49--
Santa Monica$81--

For Drivers with Speeding Ticket

CityThe Hartford Utica National
Phoenix$67--
Santa Monica$213--

For Drivers with No Speeding Ticket

CityThe Hartford Utica National
Phoenix$47--
Santa Monica$87--

For Drivers Age Between 18-40

CityThe Hartford Utica National
Phoenix$52--
Santa Monica$165--

For Drivers Age Between 40-65

CityThe Hartford Utica National
Phoenix$49--
Santa Monica$68--

For Drivers Age of 65+

CityThe Hartford Utica National
Phoenix$53--
Santa Monica$56--

For Drivers with Average Credit

CityThe Hartford Utica National
Phoenix$49--
Santa Monica$97--

For Drivers with Fair Credit

CityThe Hartford Utica National
Phoenix$59--
Santa Monica$81--

For Drivers with Good Credit

CityThe Hartford Utica National
Phoenix$46--
Santa Monica$83--

For Drivers with Excellent Credit

CityThe Hartford Utica National
Phoenix$49--
Santa Monica$176--

Quotes & Discounts

Discount typeThe Hartford Utica National
Multiple PolicyUp to 20%Varies
Anti-Theft DeviceUp to 15%Varies
Good StudentUp to 15%Varies
teenSMARTUp to 10%--
Defensive DriverUp to 5%--
Passive RestraintUp to 3%Varies
Driving trainingVaries--
EV/HybridVariesVaries
Paid in fullVariesVaries
Anti-lock Brake--Varies
Company Car--Varies
Daytime Running Lights--Varies
Electronic Stability Control--Varies
Low Mileage--Varies
Multiple Vehicle--Varies
Preferred payment--Varies
Student Away at School--Varies

Payment Methods

Discount typeThe Hartford Utica National
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
Mail Payment
yesyes
Mobile App Payments
yes--
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Phone Payment
yesyes

Features and Services

Features and ServicesThe Hartford Utica National
24/7 serviceyesyes
Accident forgivenessyes--
Diminishing deductible--yes
Enhanced towing & substitute coverage--yes
Flexible / convenient payments--yes
Mobile appyes--
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesThe Hartford Utica National
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
--yes
Airbag Replacement Coverage
--yes
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
yesyes
Gap Insurance
--yes
Glass Coverage yes--
New Car Replacement Coverage
yesyes
Personal/Upgraded Item Coverage
--yes
Pet Coverage
--yes
Rental Reimbursement
yes--
Roadside Assistance
yes--
Umbrella Policy
yes--
Vanishing Deductible
yesyes

Insurance by State

Online Quoting by State

  • The Hartford
  • Utica National
  • Both

Compare Insurance Products

ProductThe Hartford Utica National
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Commercial InsuranceCommercial Insurance--yes
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyes--
Renters InsuranceRenters Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes

User Reviews

  • The Hartford Reviews
  • Utica National 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.