Compare Farmers vs. The Hartford Insurance

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The Hartford and Farmers are both top-rated companies in the insurance world. The Hartford was founded in 1810, and Farmers was founded in 1928. Farmers is praised for its excellent coverage and vehicle discounts, as well as for its handy policy management tools. The Hartford is liked for its extended benefits to AARP members and outstanding claims support. However, The Hartford is criticized for its lack of 24-hour customer service, while Farmers’ website lacks helpful learning materials. Still, both companies offer a wide range of discounts and have excellent financial strength ratings. 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

  Farmers The Hartford
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
The Hartford
  • You’re also an AARP member
Worst If Farmers
  • You want slick online tools to manage your policy
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

Farmers The Hartford
Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

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

Consumer Complaint Data

Farmers Car Insurance The Hartford Car Insurance
2016 167 30
2015 262 72
2014 237 69
2013 300 67

U.S. Auto Insurance Shopping Study (2016)

Farmers Car Insurance 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 Below average Among the best

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

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

Financial Strength Ratings

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

Mobile Apps

Farmers The Hartford
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. 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

Farmers The Hartford
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services. 

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.