Compare Esurance vs. The Hartford Insurance

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Esurance and The Hartford are two comparably strong companies in terms of auto insurance. Esurance was founded in 1999, and The Hartford was founded more than a century earlier, in 1810. Both companies rank quite equally in terms of financial strength and have a wide selection of auto discounts. The Hartford has exceptional J.D. Power ratings and offers even more discounts for AARP members, while Esurance provides its customers with reasonable premiums and a great online platform.

However, The Hartford is criticized for its lack of 24/7 customer support, and Esurance is known to have a subpar roadside assistance program.

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

  Esurance The Hartford
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
The Hartford
  • You’re also an AARP member
Worst If Esurance
  • You want excellent roadside assistance
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

Esurance The Hartford
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

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 Esurance The Hartford
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Esurance 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 Esurance The Hartford
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Esurance The Hartford
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Esurance The Hartford
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Esurance The Hartford
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Esurance The Hartford Car Insurance
2016 48 30
2015 67 72
2014 47 69
2013 43 67

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Esurance The Hartford
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click 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

Esurance The Hartford
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

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.