Compare Allstate vs. The Hartford Insurance

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Allstate and The Hartford are both top-notch providers for auto insurance. Allstate was founded in 1931, more than a century after The Hartford was founded, in 1810. The Hartford is ranked the #11 auto insurer for 2016, while Allstate is ranked #7. Both companies have positive reviews about claims management and support as well as A-ratings from A.M. Best, Moody’s, and Standard and Poor’s.

Allstate and The Hartford both offer a wide range of auto discounts, and The Hartford has even more discounts for AARP members. One upside about The Hartford’s roadside service package is that it covers tow and labor costs for an inoperable vehicle regardless of whether or not it was in an accident.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Allstate The Hartford
Best If Allstate
  • You want easy, online tools to access your account
The Hartford
  • You’re also an AARP member
Worst If Allstate
  • You're looking for reasonably priced premiums
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

Allstate The Hartford
Allstate The Hartford

The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:

  • Bundle Insurance Savings discount
  • Anti-Theft Device discount
  • Air Bags discount
  • Defensive Driver Course discount
  • Vehicle Fuel Type discount
  • Driver Training discount
  • Good Student discount

Standard Car Insurance Discounts

Bundling Coverage Discounts Allstate The Hartford
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allstate The Hartford
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Allstate The Hartford
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allstate The Hartford
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allstate The Hartford
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allstate The Hartford
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allstate Insurance The Hartford Car Insurance
2016 322 30
2015 460 72
2014 569 69
2013 530 67

U.S. Auto Insurance Shopping Study (2016)

Allstate Insurance The Hartford Car Insurance
Overall Purchase Experience Below average Among the best
Policy Offerings Average Among the best
Pricing Below average Among the best
Local Agent Average Average
Call Center Representative Below average Average
Insurer Website Average Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

Allstate Insurance The Hartford Car Insurance
Overall Satisfaction Average Above average
First Notice of Loss Average Above average
Service Interaction Average Below average
Appraisal Above average Average
Repair Process Below average Among the best
Rental Car Experience Above average Average
Settlement Average Above average

Financial Strength Ratings

Allstate Insurance The Hartford Car Insurance
A.M. Best A+ A
Moody's Aa3 A2
S&P's AA- A

Mobile Apps

Allstate The Hartford
Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

The Hartford

The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. To download the app for iPhone or Android, click here

Roadside Assistance

Allstate The Hartford
Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts
The Hartford

The Hartford Towing and Labor

Towing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car.

The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have.

Services Covered

  • Towing
  • Tire repair
  • Battery service
  • Gas delivery

Contact Phone Number

For immediate roadside assistance/claims service, call 1 (800) 322-7789.